🏠 Home insurance cost in Maryland (2026)
The estimated average is $1,610 per year — below the national average (-30% vs. the U.S. average of $2,300).
Maryland is home to about 6.2 million people, and home insurance here runs below the national average. Below, estimate a price for your own profile, then drill into your city — rates in a large metro like Baltimore typically differ from smaller towns.
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Maryland home insurance estimator
Starts from the Maryland average. Estimate only — get quotes to confirm.
Home insurance cost in Maryland cities
| City | Population | Est. home insurance |
|---|---|---|
| Baltimore | 569,931 | $1,739 |
| Columbia | 104,681 | $1,610 |
| Germantown | 91,249 | $1,546 |
| Silver Spring | 81,816 | $1,546 |
| Annapolis | 40,812 | $1,546 |
Maryland home insurance FAQ
How much is home insurance in Maryland?
The estimated average home insurance in Maryland is $1,610 per year, which is below the national average (-30% vs. the U.S. average of $2,300). Maryland ranks 35 of 51 states from most to least expensive.
Why is home insurance cheaper in Maryland?
Home insurance pricing in Maryland reflects local risk factors — weather and catastrophe exposure, accident/claim frequency, repair and medical costs, and state regulation. That’s why costs differ across the South.
How can I save on home insurance in Maryland?
Compare at least three quotes from insurers active in Maryland, bundle policies, and re-shop every year. Use the calculator above to see how your profile changes the price.