The model of vehicle requiring coverage is one of the primary factors that determines if you can find cheap auto insurance for hybrid vehicles in Maryland. Vehicles with higher performance, poor passenger safety features, or an increased likelihood of liability claims will cost quite a bit more to insure than safer models.
The tables below outlines auto insurance prices for the most economical automobiles to buy insurance for.
Make, Model, and Trim Level | Annual Cost | Semi-Annual Cost | Monthly Cost |
---|---|---|---|
Chevrolet Malibu LS | $1,068 | $534 | $89 |
Ford Fusion S 4-Dr Sedan | $1,068 | $534 | $89 |
Honda Accord EX 4-Dr Sedan | $904 | $452 | $75 |
Honda Civic LX 2-Dr Coupe | $1,300 | $650 | $108 |
Hyundai Elantra GLS 4-Dr Sedan | $1,132 | $566 | $94 |
Kia Optima LX | $1,138 | $569 | $95 |
Nissan Altima 2.5 S 4-Dr Sedan | $1,132 | $566 | $94 |
Toyota Camry XLE | $1,132 | $566 | $94 |
Volkswagen Jetta 2.0T Station Wagon | $1,082 | $541 | $90 |
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Price data assumes married female driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and Maryland minimum liability limits. Discounts applied include safe-driver, multi-vehicle, claim-free, homeowner, and multi-policy. Price information does not factor in specific location which can raise or lower coverage prices considerably.
Make, Model, and Trim Level | Annual Cost | Semi-Annual Cost | Monthly Cost |
---|---|---|---|
Acura MDX with Tech Package 4WD | $1,182 | $591 | $99 |
Buick Enclave CX 2WD | $1,158 | $579 | $97 |
Chevrolet Traverse LTZ 2WD | $1,018 | $509 | $85 |
Ford Escape XLS 2WD | $904 | $452 | $75 |
Ford Explorer Eddie Bauer 4WD | $1,094 | $547 | $91 |
GMC Acadia SL 2WD | $980 | $490 | $82 |
Honda CR-V EX-L 2WD | $928 | $464 | $77 |
Honda Pilot EX-L 4WD | $1,094 | $547 | $91 |
Jeep Grand Cherokee SRT-8 4WD | $1,158 | $579 | $97 |
Jeep Wrangler Unlimited Rubicon 4WD 4-Dr | $1,160 | $580 | $97 |
Subaru Forester XT Limited Edition AWD | $1,106 | $553 | $92 |
Toyota 4Runner SR/5 2WD | $1,018 | $509 | $85 |
Toyota Highlander Hybrid Limited 4WD | $1,182 | $591 | $99 |
Toyota RAV4 2WD | $1,068 | $534 | $89 |
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Data based on married female driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and Maryland minimum liability limits. Discounts applied include multi-vehicle, safe-driver, homeowner, multi-policy, and claim-free. Price estimates do not factor in specific location which can affect rates noticeably.
Make, Model, and Trim Level | Annual Cost | Semi-Annual Cost | Monthly Cost |
---|---|---|---|
Chevrolet Silverado 2500HD LTZ Crew Cab 2WD | $1,314 | $657 | $110 |
Chevrolet Silverado LS Regular Cab 4WD | $980 | $490 | $82 |
Dodge Ram 3500 Crew Cab Laramie 2WD | $1,270 | $635 | $106 |
Dodge Ram Quad Cab TRX4 Off Road 4WD | $1,252 | $626 | $104 |
Ford F-150 XL Crew Cab 2WD | $1,004 | $502 | $84 |
Ford F-250 XL Super Cab Cabela Turbo Diesel 2WD | $1,314 | $657 | $110 |
Ford F-350 XL Super Cab 4WD | $1,418 | $709 | $118 |
GMC Canyon SLE Ext Cab 2WD | $1,044 | $522 | $87 |
GMC Sierra SLT Extended Cab 4WD | $1,158 | $579 | $97 |
Toyota Tundra SR/5 Crew Max 2WD | $1,138 | $569 | $95 |
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Price data assumes married female driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and Maryland minimum liability limits. Discounts applied include safe-driver, multi-vehicle, homeowner, claim-free, and multi-policy. Rate quotes do not factor in specific Maryland garaging location which can affect prices considerably.
One of the key factors used to establish the amount you pay for auto insurance is your address in Maryland. Areas with more people or higher crime rates like Baltimore, Dundalk, and Silver Spring tend to pay higher rates, whereas areas with less congestion have the luxury of cheap auto insurance for hybrid vehicles in Maryland.
The next table rates the higher priced cities in Maryland for hybrid vehicles in which to buy car insurance.
Rank | City | Annual Premium |
---|---|---|
1 | Baltimore | $1,742 |
2 | Woodlawn | $1,625 |
3 | Dundalk | $1,535 |
4 | Towson | $1,527 |
5 | Silver Spring | $1,475 |
6 | Catonsville | $1,460 |
7 | Waldorf | $1,431 |
8 | Essex | $1,431 |
9 | Aspen Hill | $1,420 |
10 | Bowie | $1,404 |
11 | Wheaton | $1,375 |
12 | Glen Burnie | $1,329 |
13 | Gaithersburg | $1,317 |
14 | Severn | $1,314 |
15 | Rockville | $1,290 |
16 | Germantown | $1,275 |
17 | Annapolis | $1,268 |
18 | Potomac | $1,261 |
19 | North Bethesda | $1,243 |
20 | Bethesda | $1,239 |
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Annual rates are approximated as vehicle location can raise or lower price quotes considerably.
Buying reasonably-priced car insurance is confusing at best, and figuring out which companies offer the lowest-priced auto insurance rates for hybrid vehicles involves even more shopping around. Each insurance company has a proprietary formula for determining prices, so first let’s look at the rankings for the auto insurance companies that tend to have lower prices in Maryland.
It’s important that you understand Maryland auto insurance rates are based on many factors which can significantly increase or decrease the policy premium. Improving your financial situation, buying another vehicle, or getting a few speeding tickets can trigger price changes that may make certain companies cheaper than before.
Best Auto Insurance Prices for Hybrids
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USAA may have some of the lowest car insurance rates in Maryland at around $920 each year. Liberty Mutual, Penn National, Erie, and State Auto are also some of the cheapest Maryland insurance companies.
In the rate table above, if you are a policyholder with Liberty Mutual and switched to USAA, you may see annual savings of upwards of $172. Drivers with Penn National may save as much as $184 a year, and Erie customers might reduce rates by $207 a year.
Be aware that those estimates are averaged for all types of insureds and vehicles and do not factor in a price decrease for hybrid vehicles. So the company that fits you best may not even be in the above list. That’s why you need to quote rates from as many companies as possible using your own specific driver and vehicle information.
Choosing the right insurance company is hard considering how many different companies sell coverage in Maryland. The rank data shown below can help you choose which coverage providers to look at purchasing a policy from. These ratings are only made up of the companies with a significant amount of written premium nationwide, so companies with more of a regional focus are not taken into consideration for these rankings.
Company | Value | Customer Service | Claims | Customer Satisfaction | A.M Best Rating | Overall Score |
---|---|---|---|---|---|---|
Travelers | 93 | 98 | 99 | 88% | A++ | 95.1 |
USAA | 83 | 99 | 100 | 91% | A++ | 94.1 |
AAA Insurance | 91 | 95 | 92 | 90% | A | 93.3 |
Nationwide | 85 | 95 | 97 | 89% | A+ | 92.4 |
Allstate | 77 | 100 | 97 | 88% | A+ | 90.7 |
State Farm | 80 | 94 | 96 | 88% | A++ | 90.6 |
The Hartford | 88 | 93 | 91 | 87% | A+ | 90.4 |
Safeco Insurance | 91 | 95 | 85 | 88% | A | 90.2 |
Progressive | 88 | 94 | 83 | 88% | A+ | 90.1 |
American Family | 91 | 86 | 95 | 83% | A | 89.7 |
Esurance | 86 | 90 | 94 | 90% | A+ | 89.5 |
The General | 86 | 93 | 89 | 84% | A- | 88.2 |
GEICO | 79 | 89 | 95 | 87% | A++ | 87.8 |
Titan Insurance | 86 | 82 | 92 | 86% | A+ | 86.5 |
21st Century | 86 | 82 | 90 | 84% | A | 86.4 |
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Data Source: Insure.com Best Car Insurance Companies
When buying auto insurance for hybrids, the companies that insure more vehicles than anyone else are Geico, Allstate, State Farm, and Progressive. The next table compares and contrasts some of the different options you can expect with each one.
Geico | Allstate | State Farm | Progressive | |
---|---|---|---|---|
Claims Rank | 3rd | 1st | 2nd | 4th |
Overall Satisfaction | 1st | 2nd | 4th | 3rd |
Price Rank | 1st | 4th | 2nd | 3rd |
Policy Discounts | 2nd | 1st | 3rd | 4th |
A.M. Best financial rating | A++ | A+ | A++ | A+ |
Breakdown insurance | Yes | No | No | Yes |
Accident forgiveness coverage | Yes | Yes | No | Yes |
Roadside service | Yes | Yes | Yes | Yes |
Coverage for ridesharing | Yes | Yes | Yes | Yes |
Rating based on usage | No | Yes | Yes | Yes |
New car replacement | No | Yes | No | No |
Coverage in Maryland | Yes | Yes | Yes | Yes |
Insurance Agents | Both online and from Geico agents | Allstate-only agents | State Farm exclusive agents | Buy online or from an independent agent |
Number of agents | 150+ | 11,000+ | 18,000+ | 30,000+ |
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