Cheapest Car Insurance in Maryland

The cheapest car insurance in Maryland is GEICO, $146 a month for full coverage, among the 5 insurers available to all drivers that we compared. GEICO also has the lowest 50/100/50 price ($140) and the lowest Liability Only 20/40/15 price ($51). Erie is next for full coverage, $30 a month above GEICO.

Three things set Maryland apart. First, the law: Maryland requires 30/60/15, and the $51 Liability Only 20/40/15 price buys a lower bodily injury limit, so our 50/100/50 tier is the one to compare for a policy at or above the law’s limits. Second, USAA, which serves military members and their families, is lower than GEICO at all three levels, so the “cheapest” claims on this page cover insurers any driver can buy from. Third, the map: Baltimore City averages $270 a month for full coverage against $156 in Worcester County, a $114 gap for the same driver.

Page updated Nov. 2, 2026. These are Quadrant Information Services prices for Maryland as of Sept. 30, 2026, modeled for one driver. They are reference prices, not offers or quotes. How we priced Maryland car insurance

Cheapest Car Insurance in Maryland: Lowest Price for Each Package

How much is car insurance in Maryland? Averaged over all 6 insurers, USAA included, the sample driver pays $198 a month ($2,372 a year) for full coverage, $193 ($2,314) at 50/100/50 and $90 ($1,075) at Liability Only 20/40/15. GEICO’s full-coverage price is $52 under the average, and Allstate’s is $163 over it.

Maryland’s 30/60/15 Limits Beside Our Liability Only 20/40/15 Prices

Maryland Transportation Article 17-103 sets the required liability limits at 30/60/15. The three numbers are in thousands of dollars: what is paid to one injured person, to everyone hurt in a single crash, and for damage to someone else’s property. Our Liability Only 20/40/15 tier is $10,000 short on the first and $20,000 short on the second, and it matches on property damage. Our 50/100/50 tier is above the law on all three.

Maryland Insurance Article 19-505 has insurers include personal injury protection (PIP) of up to $2,500 unless it is waived. None of our tiers carries PIP, so it is not in any price on this page.

Maryland’s liability limits next to our two lower tiers

Limit	Our 50/100/50	Maryland law	Our Liability Only 20/40/15
One injured person	$50,000	$30,000	$20,000
Everyone hurt in one crash	$100,000	$60,000	$40,000
Property damage	$50,000	$15,000	$15,000
Meets the law’s liability limits?	Yes	Required	Partly

Average Cost of Car Insurance in Maryland

The average cost of car insurance in Maryland across 6 insurers and 239 ZIP codes is $198 a month for full coverage, which is $2,372 a year. The 50/100/50 average is $193 ($2,314) and the Liability Only 20/40/15 average is $90 ($1,075). Each one is a mean across insurers and ZIP codes for a single modeled driver, with USAA counted; it is not any household’s actual bill.

Allstate does much of the lifting. GEICO ($146), Erie ($176), Progressive ($181) and State Farm ($192) average $174 between them, while Allstate’s $361 is $169 above the next-highest insurer.

Is $200 a month a lot in Maryland? The cheapest price in each ZIP code

An average mixes cheap and costly insurers, so we also took the lowest full-coverage price among the 5 insurers open to all drivers in every ZIP code. In 225 of our 239 ZIP codes that lowest price is under $200 a month, and in 169 it is under $150. In the other 14, the lowest price is $200 or more, and the highest of the 239 lowest prices is $256.

The lowest full-coverage price in each of the 239 Maryland ZIP codes, summarized

Across the 239 ZIP codes	Monthly	Yearly
Lowest of the lowest prices	$117	$1,399
Median	$138	$1,652
Mean	$146	$1,749
Highest of the lowest prices	$256	$3,067
Maryland six-insurer average	$198	$2,372

So $200 a month is $2 above the six-insurer average of $198 and $54 above GEICO’s statewide $146. Remember what the table measures: the lowest price in each ZIP code among the compared insurers open to all drivers. It says nothing about what a typical Maryland driver pays, and the 14 ZIP codes at $200 or more show that Maryland does not have one price.

Cheapest Car Insurance in Maryland at Each Coverage Level

GEICO is lowest at all three levels, among the 5 insurers available to all drivers that we compared, and the next insurer is never close: $30 a month above for full coverage, $31 above at 50/100/50 and $22 above for Liability Only 20/40/15. Allstate is last of the five at every level.

ZIP code by ZIP code, among the five insurers open to all drivers, GEICO is lowest for full coverage in 233 of 239, Erie in 4 and State Farm in 2. For Liability Only 20/40/15 GEICO leads in 236 and Erie in 3. At 50/100/50 GEICO is lowest in 235, with Progressive and State Farm each lowest in 2. Allstate is lowest in none.

Lowest monthly price at each level among insurers available to all drivers, beside the Maryland average and USAA

Level	Lowest, then next	Maryland average	USAA
Liability Only 20/40/15	GEICO $51, then Erie $73	$90	$37
50/100/50	GEICO $140, then Progressive $171	$193	$129
Full coverage	GEICO $146, then Erie $176	$198	$131
Scope	GEICO, Erie, Progressive, State Farm and Allstate; the Maryland average and USAA cover all six insurers

Cheap Auto Insurance Maryland Drivers Can Compare: Six Insurers, Priced

Every insurer in our Maryland data, six in all, has a price for each of the 239 ZIP codes. Five of them are open to all drivers: GEICO, Erie, Progressive, State Farm and Allstate. The sixth, USAA, is for military members and their families. Other auto insurers sell in Maryland that we did not price, so this is a slice of the market. The bars show each open insurer’s monthly full-coverage price for the one sample driver, and a shorter bar means a lower price.

Each Maryland insurer’s monthly price at three tiers; the yearly total follows in square brackets

Company	Full coverage	50/100/50	Liability Only 20/40/15
GEICO	$146 [$1,750]	$140 [$1,679]	$51 [$611]
Erie	$176 [$2,106]	$178 [$2,138]	$73 [$878]
Progressive	$181 [$2,176]	$171 [$2,057]	$113 [$1,350]
State Farm	$192 [$2,300]	$178 [$2,139]	$87 [$1,040]
Allstate	$361 [$4,330]	$360 [$4,324]	$177 [$2,124]
USAA (military members and families)	$131 [$1,570]	$129 [$1,548]	$37 [$446]
Maryland average (all six)	$198	$193	$90

Allstate is the outlier at every level. For full coverage it charges $215 a month more than GEICO. For Liability Only 20/40/15 the spread among the open insurers runs from GEICO’s $51 to Allstate’s $177, a $126 gap. The other four open insurers average $174 for full coverage, $167 at 50/100/50 and $81 for Liability Only 20/40/15.

A note on USAA

Buying USAA requires being a military member or a relative of one. In Maryland it averages $131 a month for full coverage, $37 for Liability Only 20/40/15 and $129 for 50/100/50. That is $15 under GEICO on full coverage, $14 under on liability and $11 under on 50/100/50. Counting USAA, it is the lowest price in 218 of 239 ZIP codes for full coverage, 239 for Liability Only 20/40/15 and 207 for 50/100/50. A driver with no military connection cannot buy USAA, so it isn’t named cheapest here, but its prices are still counted in the six-insurer averages on this page.

Choosing a Maryland Package: Liability Only, 50/100/50 or Full Coverage

The big step in price is the first one. Going from Liability Only 20/40/15 to 50/100/50 lifts the Maryland average from $90 to $193 a month, $103 more a month and $1,239 more over a year. Two things change at once: bodily injury limits that go above the law’s, and collision and comprehensive on your own car at $500 deductibles. We did not price a plain 30/60/15 policy, so the $103 cannot be divided between them. The second step, from 50/100/50 to full coverage, adds $5 a month on average.

Quote 50/100/50 and full coverage side by side. At every insurer in our data the 50/100/50 price comes in below the full-coverage price, except Erie, where it is $2 a month above ($2,138 against $2,106 a year). Going from 50/100/50 up to full coverage adds $6 a month at GEICO and $14 at State Farm.

Where Car Insurance Is Cheapest in Maryland: Counties and ZIP Codes

Maryland shows up in our data as 24 counties and county-equivalents (Baltimore City counts as one) and 239 ZIP codes. A county is ranked only when three or more of its ZIP codes are priced, which 18 meet; the other 6 have one or two ZIP codes and are listed unranked below. A dagger (†) flags a county with only three or four ZIP codes behind its numbers, so treat those averages loosely.

The 18 Maryland counties with enough ZIP codes to rank

Average monthly price in the 18 ranked Maryland counties

County (ZIP codes in data)	Full coverage	50/100/50	Liability Only 20/40/15
Worcester County† (4)	$156	$155	$65
Caroline County† (3)	$157	$155	$66
Washington County (6)	$160	$158	$66
Wicomico County (5)	$161	$159	$69
Queen Anne’s County† (4)	$161	$160	$68
Frederick County (15)	$162	$160	$70
Saint Mary’s County (6)	$168	$166	$73
Carroll County (9)	$174	$172	$76
Calvert County (7)	$176	$173	$77
Cecil County (5)	$183	$180	$80
Howard County (13)	$186	$182	$85
Anne Arundel County (21)	$186	$182	$86
Harford County (12)	$186	$182	$84
Montgomery County (33)	$186	$183	$88
Charles County (9)	$198	$195	$86
Baltimore County (26)	$222	$214	$104
Prince George’s County (31)	$230	$223	$104
Baltimore City (22)	$270	$257	$126
Maryland (239)	$198	$193	$90

† Based on three or four ZIP codes. All figures are means of the six insurers, USAA included, and counties are ordered by full-coverage price.

Among ranked counties, Worcester† has the lowest full-coverage average at $156 a month ($1,875 a year, 4 ZIP codes) and Baltimore City the highest at $270 ($3,240, 22 ZIP codes), $114 a month apart. Worcester† is also lowest at 50/100/50, at $155, and for Liability Only 20/40/15, at $65, with Baltimore City highest at $257 and $126.

Baltimore City and Baltimore County

Baltimore City has 22 ZIP codes in our data and averages $270 a month for full coverage, $72 over the state’s $198, and $126 for Liability Only 20/40/15. The three highest-priced ZIP codes we list, 21216, 21223 and 21213, are all Baltimore City, at $324, $319 and $313 for full coverage; they are the 239th, 238th and 237th lowest of 239, which makes them the three highest. Baltimore County, a separate county with 26 ZIP codes, averages $222, which is $48 below the city.

Montgomery and Prince George’s counties

Montgomery County has the most ZIP codes in the data, 33, and averages $186 a month for full coverage, $12 under the state average, and $88 for Liability Only 20/40/15. Prince George’s County, with 31 ZIP codes, averages $230, which is $32 over the state average and $44 over its neighbor, and $104 for Liability Only 20/40/15. Of the ranked counties, only Baltimore City averages higher than Prince George’s at full coverage.

Ocean City and the Eastern Shore

The lowest-priced ZIP code in the state is on the Eastern Shore: Ocean City’s 21842 in Worcester County averages $154 a month for full coverage, $44 under the state average. Easton’s 21601 in Talbot County and Berlin’s 21811 in Worcester follow at $155 each. Worcester† averages $156, Caroline† $157 and Wicomico $161, all under the state’s $198. Talbot has a single ZIP code in the data, so it goes unranked, at $155.

Frederick, Hagerstown and western Maryland

Frederick County averages $162 a month for full coverage across its 15 ZIP codes, $36 under the state average, and Washington County averages $160. Myersville’s 21773, Emmitsburg’s 21727 and Thurmont’s 21788 in Frederick County, and Hagerstown’s 21742, are among the lowest-priced ZIP codes we list, at $157 to $158. Allegany (2 ZIP codes) averages $156 and Garrett (one) $166; neither can be ranked.

Counties with one or two ZIP codes

6 counties have one or two ZIP codes in the data, too few to rank. Each entry shows ZIP codes priced and the full-coverage monthly average. They count in the state averages but are not ranked.

Allegany County (2) $156; Dorchester County (2) $158; Garrett County (1) $166; Kent County (1) $160; Somerset County (1) $161; Talbot County (1) $155.

Maryland ZIP Codes We List: The Lowest and Highest Prices

Our data holds 239 Maryland ZIP codes and this table shows 20 of them, not all 239: the 17 that sit among the 12 lowest at one of the three packages, plus the 3 highest at every package. Ocean City’s 21842 is the lowest of all 239 for full coverage and for 50/100/50, and 21216 is the highest of all 239 for every package. Each price averages all six insurers for that ZIP code, so Allstate’s higher prices and USAA’s lower ones are both part of every figure. The county appears in parentheses.

Average monthly price in 20 of the 239 Maryland ZIP codes: the lowest at each package and the three highest (the last column is Liability Only 20/40/15)

ZIP code, city (county)	Full coverage	50/100/50	Liability Only
21842 Ocean City (Worcester)	$154	$152	$66
21601 Easton (Talbot)	$155	$153	$66
21811 Berlin (Worcester)	$155	$153	$65
21532 Frostburg (Allegany)	$156	$155	$60
21632 Federalsburg (Caroline)	$156	$155	$65
21655 Preston (Caroline)	$156	$155	$66
21773 Myersville (Frederick)	$157	$155	$66
21727 Emmitsburg (Frederick)	$157	$155	$66
21502 Cumberland (Allegany)	$157	$156	$61
21788 Thurmont (Frederick)	$158	$156	$66
21629 Denton (Caroline)	$158	$157	$66
21638 Grasonville (Queen Anne’s)	$158	$157	$68
21742 Hagerstown (Washington)	$158	$157	$67
21851 Pocomoke City (Worcester)	$159	$157	$65
21863 Snow Hill (Worcester)	$159	$157	$65
21713 Boonsboro (Washington)	$159	$157	$65
21550 Oakland (Garrett)	$166	$164	$62
21213 Baltimore (Baltimore City)	$313	$296	$146
21223 Baltimore (Baltimore City)	$319	$302	$147
21216 Baltimore (Baltimore City)	$324	$306	$151
Maryland (239 ZIP codes)	$198	$193	$90

The cheapest ZIP code depends on the package. Ocean City’s 21842 is first for full coverage and 50/100/50 ($152), yet it is only the 12th lowest of 239 for Liability Only 20/40/15. Frostburg’s 21532 in Allegany County is the lowest for Liability Only 20/40/15 at $60 a month, and it is the 4th lowest for full coverage. Cumberland’s 21502 ($61) and Oakland’s 21550 ($62) are next for Liability Only 20/40/15. Oakland’s full-coverage price, $166, is only the 47th lowest.

Between 21842 and 21216 the gap is $170 a month for the same driver, car and coverage.

Maryland Requirements: Liability Limits and Personal Injury Protection

Maryland Transportation Article 17-103 requires liability insurance at 30/60/15. In dollars that is $30,000 of bodily injury coverage per person, $60,000 per accident and $15,000 of property damage coverage. These limits pay the other party’s losses; damage to your own car is handled by collision and comprehensive.

Maryland Insurance Article 19-505 has insurers include personal injury protection of up to $2,500 unless it is waived. PIP is not part of any price here, because none of our three tiers carries it.

Set against those figures, the Liability Only 20/40/15 tier is below the law on bodily injury and matches it on property damage, while the 50/100/50 tier is above the law on all three limits. Full coverage clears them too, at a higher price. If you want a 30/60/15 policy, ask for those limits by name: our priced tiers jump from 20/40/15 to 50/100/50.

6 Ways to Lower Your Maryland Car Insurance Bill

1. Collect prices from at least three insurers, not one. Among the insurers open to all drivers, GEICO is lowest for full coverage in 233 of 239 ZIP codes, but Erie is lowest in 4 and State Farm in 2. At 50/100/50, Progressive and State Farm each lead in 2.
2. Do not read $51 as a price that meets the law. That Liability Only 20/40/15 tier carries $20,000 per person and $40,000 per crash of bodily injury coverage against Maryland’s $30,000 and $60,000. The 50/100/50 tier is above the law’s limits, from $140 a month at GEICO.
3. Price 50/100/50 beside full coverage. At State Farm full coverage costs $14 more a month; at Erie it costs $2 less.
4. Quote the address where the car sleeps. In our data the ZIP code alone moves full coverage by $170 a month, so a work address or a relative’s gives the wrong answer.
5. Ask each insurer for the same limits. One policy with 20/40/15 and another with 30/60/15 are not the same product, and the lower one will look cheaper.
6. Ask about discounts and deductibles. Each insurer has its own menu, and bundling, paying up front or a larger collision and comprehensive deductible may lower a quote. Ours use $500. With a military connection, price USAA too.

Maryland Car Insurance Quote Checklist: Keep Four Things Equal

Our prices describe one sample driver, so your quote will move with your car, record, household and parking address. When you collect quotes, hold these four items the same:

• Liability limits: request the same set from every insurer, at least 30/60/15.
• Personal injury protection: confirm whether each quote includes it or waives it.
• Deductibles: use one collision and comprehensive deductible across all quotes.
• Drivers, car and address: give every insurer identical details.

How We Priced Maryland Car Insurance

For each insurer, Quadrant Information Services applies the company’s filed rates and rating rules to one driver profile and reports the resulting premium. This page compares and averages those Maryland premiums, using rates in effect on Sept. 30, 2026.

• Driver and car: an unmarried 40-year-old with 24 years of licensed driving, good credit and a clean claims and ticket record, driving a 2024 Toyota Camry LE for personal use. No other drivers are priced.
• Coverage: three packages priced side by side. Liability Only 20/40/15 leaves out collision and comprehensive. 50/100/50 means $50,000 per injured person, $100,000 per crash and $50,000 for property damage, plus collision and comprehensive with $500 deductibles. Full coverage keeps the $500 deductibles and lifts liability to 100/300/100. Personal injury protection and medical-payments coverage are in none of the three, so no price here includes them. Against Maryland’s 30/60/15, Liability Only 20/40/15 falls short on bodily injury and matches on property damage; 50/100/50 is above on all three.
• Sample: 239 ZIP codes in 24 Maryland counties and county-equivalents. Each of the 6 insurers priced every one, which gives 1434 prices at each coverage level.
• Arithmetic: an insurer that returns several prices for one ZIP code counts once, at its lowest. Every state, county and ZIP average is an unweighted mean of the six insurers, USAA among them. Monthly figures are yearly premiums divided by twelve and rounded to whole dollars; a gap is one rounded monthly figure minus another.
• Naming the cheapest: the lowest price at a level among the insurers available to all drivers earns the name, and when a second insurer is within a few dollars a month of the lowest, both are named. That did not happen here: GEICO is at least $30 a month under the next open insurer at every level, so it stands alone. A company limited to a particular group, like USAA, is never named, and the ZIP-code counts of lowest prices are shown separately for the open insurers and, in the USAA note, with USAA included.
• USAA: priced in all 239 ZIP codes, counted in the state, county and ZIP averages, shown in the insurer table and its own note, and left out of the bars, the ranking and the ItemList.
• What is not dropped: every quote Quadrant returned was kept, and no county or ZIP code is left out of the averages. The 6 counties with one or two ZIP codes count in the state averages but get no rank, and the ZIP table lists 20 of the 239 ZIP codes by design.

None of this describes you personally. What you would pay depends on your parking address, your vehicle, your record, the coverage you choose and the discounts you earn.

Maryland Car Insurance FAQ: Prices, Limits and Credit

Is $200 a month a lot for car insurance in Maryland?

$200 a month is $2 above the $198 six-insurer average for full coverage and $54 above GEICO’s $146, the lowest among the insurers available to all drivers. In 225 of our 239 ZIP codes the cheapest full-coverage price among those insurers is under $200 a month, and in 169 it is under $150. That figure is the lowest price on offer in each ZIP code, and it is not what the average driver pays. In the other 14 ZIP codes the cheapest price is $200 or more. It runs from $117 to $256 a month across the 239 ZIP codes.

Who has the cheapest car insurance in Maryland right now?

Among the insurers available to all drivers that we compared, on rates as of Sept. 30, 2026, GEICO is cheapest at all three levels: $146 a month for full coverage, $140 at 50/100/50 and $51 for Liability Only 20/40/15. USAA, for military members and their families, is lower at $131, $129 and $37. Erie is next for full coverage ($176) and Liability Only 20/40/15 ($73); Progressive is next at 50/100/50 ($171). The $51 tier is below Maryland’s bodily injury limits.

Is GEICO or Progressive cheaper in Maryland?

GEICO is cheaper at all three levels, in monthly prices rounded to the dollar: $146 against Progressive’s $181 for full coverage, $140 against $171 at 50/100/50, and $51 against $113 for Liability Only 20/40/15. These are averages of all 239 ZIP codes on rates as of Sept. 30, 2026. By ZIP code, GEICO is the lowest of the five open insurers for full coverage in 233 of 239 and for 50/100/50 in 235. Progressive is lowest at 50/100/50 in 2 and in none for full coverage or Liability Only 20/40/15. Progressive is third of five for full coverage and fourth of five for Liability Only 20/40/15.

Why is car insurance so expensive in Maryland?

The data shows where Maryland prices run high but not why, so we offer no cause. Full coverage averages $198 a month across the six insurers, but county averages run from $156 in Worcester to $270 in Baltimore City, and Allstate’s $361 is $169 above the next-highest insurer. By ZIP code, among those we list, full coverage runs from $154 in Ocean City to $324 in Baltimore’s 21216. Maryland requires 30/60/15 liability limits and has insurers include personal injury protection of up to $2,500 unless it is waived; PIP is not in our prices.

What is the minimum car insurance in Maryland?

Maryland requires liability limits of 30/60/15 (Maryland Transportation Article 17-103), meaning $30,000 of bodily injury coverage per person, $60,000 per accident and $15,000 of property damage coverage. Our Liability Only 20/40/15 tier is below the law on bodily injury, while our 50/100/50 tier is above the law on all three limits. Insurers must also include personal injury protection of up to $2,500 unless it is waived (Maryland Insurance Article 19-505); our prices do not include it. On rates as of Sept. 30, 2026, the lowest 50/100/50 price among insurers available to all drivers is $140 from GEICO. Read the statutes: Transportation Article 17-103 and Insurance Article 19-505.

Is 50/100/50 enough car insurance in Maryland?

Whether it is enough depends on the driver, so we describe the package and leave the judgment to you. Our 50/100/50 tier pays up to $50,000 per injured person, $100,000 per crash and $50,000 for property damage, every figure above Maryland’s 30/60/15, and it adds collision and comprehensive with $500 deductibles. It averages $193 a month, against $198 for full coverage. By comparison Liability Only 20/40/15 averages $90 and falls short of the law on bodily injury. The trade in plain words: 50/100/50 costs more than liability only and buys higher limits plus protection for your own car. Personal injury protection is not part of it.

How much is full coverage car insurance in Maryland?

Our full-coverage tier pairs 100/300/100 liability with collision and comprehensive at $500 deductibles. Across the 6 insurers we compared it averages $198 a month ($2,372 a year), with GEICO lowest among insurers available to all drivers at $146 on rates as of Sept. 30, 2026. By insurer: Erie $176, Progressive $181, State Farm $192, Allstate $361 and USAA, for military members and their families, $131. These prices omit personal injury protection and medical-payments coverage.

Is liability coverage full coverage?

No. Liability coverage pays for injuries and damage you cause to other people, while “full coverage” usually means liability plus collision and comprehensive, which pay for your own car. In our Maryland prices Liability Only 20/40/15 averages $90 a month and full coverage $198, which makes them different products at very different prices. The Insurance Information Institute has a guide to what auto insurance covers. Our Liability Only 20/40/15 tier is also below Maryland’s 30/60/15 bodily injury limits, and the full-coverage tier carries 100/300/100.

Can insurers use my credit score to set car insurance prices in Maryland?

Only in limited ways. Maryland allows credit to be used only to rate a new private passenger auto policy; it cannot be used for refusal, cancellation, renewal or a renewal premium increase (Md. Ins. 27-501; MIA Bulletin 2021-26). Our prices assume a driver with good credit. Source: NAIC chart of state credit-scoring rules. Your own price depends on your record and insurer.

How much does car insurance cost in Maryland?

Averaged across the 6 insurers and priced for our sample driver, rates as of Sept. 30, 2026 come to $198 a month ($2,372 a year) for full coverage, $193 ($2,314) for 50/100/50 and $90 ($1,075) for Liability Only 20/40/15. These are averages over 239 ZIP codes and 6 insurers, USAA included. Your own price depends on your car, record and ZIP code.

Where is car insurance cheapest in Maryland?

Of the counties with three or more priced ZIP codes, Worcester† is cheapest for full coverage at $156 a month and Baltimore City priciest at $270. Among all 239 ZIP codes, Ocean City’s 21842 is lowest at $154 and Baltimore’s 21216 highest at $324. For Liability Only 20/40/15 the lowest ZIP code is Frostburg’s 21532 at $60. Worcester† rests on only four ZIP codes.

Is USAA cheaper than GEICO in Maryland?

Yes, in our data USAA is lower at all three levels: $131 against GEICO’s $146 for full coverage, $129 against $140 at 50/100/50 and $37 against $51 for Liability Only 20/40/15. USAA, however, serves only military members and their families, so we name GEICO among the insurers available to all drivers. Counting USAA, it is lowest in 218 of 239 ZIP codes for full coverage, 239 for Liability Only 20/40/15 and 207 for 50/100/50. Eligible households should price both at matching limits.