PremiumTally

Price index as of June 2026

Published car-insurance premium data for Howard (ZIP 21044), Maryland (2026)

$3,591median filed annual premium · 51 filed rates · middle profile of the 21 MIA publishes here

For that one profile — Scenario 22: Married Rate, No Youthful Driver — the filed rates run $1,256 to $12,604. Across every profile published for Howard (ZIP 21044) they run $754 to $43,468.

Maryland Insurance Administration · rates effective 1 August 2026 · annual premiums · 1,089 filed rates · retrieved 9 August 2026 · source document

Profiles published here
21
Filed rates
1,089
Median range
$1,726–$8,808
Policy term
annual

The highest filed rate in this cell is 10.0× the lowest — $1,256 to $12,604 for the same driver, the same coverage and the same annual term.

Filed annual premiums for Howard (ZIP 21044), sampled at ZIP 21044, published by Maryland Insurance Administration, rates effective 1 August 2026. Percentiles use the exclusive method and round to whole dollars.
Driver profile as MIA defines itFiled rates (n)Lowest25th percentileMedian75th percentileHighest
Scenario 2: Young Single Female, Age 19
Profile as the regulator defines it

Young Single Female, Age 19. Rents an apartment. Drives a 2008 Toyota Camry SE Sedan 4DR Drives 20 miles each day total for work. Drives 15,000 miles annually. No accidents or violations in past three years. No credit history (where applicable).No companion policy discount. Liability $30,000/$60,000/$15,000 Full PIP $2,500 UM $30,000/$60,000/$15,000 Comprehensive $250 deductible Collision $500 deductible

53$2,842$4,979$6,355$9,070$17,150
Scenario 3: Single Male, Age 23
Profile as the regulator defines it

Young Single Male, Age 23. Rents an apartment. Drives a 2012 Honda CR-V EX AWD Drives 15 miles each day total for work. Drives 15,000 miles annually. No accidents or violations in past three years. No credit history (where applicable). No companion policy discount. Liability $30,000/$60,000/$15,000 Full PIP $2,500 UM $30,000/$60,000/$15,000 Comprehensive $250 deductible Collision $500 deductible

53$2,232$3,642$4,714$6,031$12,955
Scenario 4: Single Female, Age 23
Profile as the regulator defines it

Young Single Female, Age 23. Rents an apartment. Drives a 2012 Jeep Liberty Drives 15 miles each day total for work. Drives 15,000 miles annually. Speeding ticket 19 months ago for driving 10 miles over the speed limit. No credit history (where applicable). No companion policy discount. Liability $30,000/$60,000/$15,000 Full PIP $2,500 UM $30,000/$60,000/$15,000 Comprehensive $250 deductible Collision $500 deductible

52$2,856$4,837$6,948$7,948$19,366
Scenario 5: Single Male, Age 30
Profile as the regulator defines it

Single Male, Age 30. Homeowner. Drives a 2015 Toyota RAV4 Limited AWD Drives 25 miles each day total for work. Drives 25,000 miles annually. No accidents or violations in past 3 years. No credit history (where applicable). Receives companion policy discount. Liability $100,000/$300,000/$100,000 Full PIP $2,500 UM $100,000/$300,000/$100,000 Comprehensive $250 deductible Collision $500 deductible

52$1,245$2,545$3,082$4,275$13,324
Scenario 6: Single Female, Age 30
Profile as the regulator defines it

Single Female, Age 30. Homeowner. Drives a 2016 Nissan Altima 6 CYL 3.5L Drives 15 miles each day total for work. Drives 15,000 miles annually. No accidents or violations in past 3 years. Best credit history (where applicable). Receives companion policy discount. Liability $100,000/$300,000/$100,000 Full PIP $2,500 UM $100,000/$300,000/$100,000 Comprehensive $250 deductible Collision $500 deductible 4

52$1,309$2,268$2,920$4,556$13,453
Scenario 7: Single Male, Age 40
Profile as the regulator defines it

Single Male, Age 40. Homeowner. Drives a 2015 Nissan Sentra SL Drives 50 miles each day total for work. Drives 25,000 miles annually. No accidents or violations in past 3 years. No credit history (where applicable). Receives companion policy discount. Liability $100,000/$300,000/$100,000 Full PIP $2,500 UM $100,000/$300,000/$100,000 Comprehensive $250 deductible Collision $500 deductible

52$1,957$3,294$4,242$5,689$15,842
Scenario 8: Single Female, Age 40
Profile as the regulator defines it

Single Female, Age 40. Homeowner. Drives a 2016 Toyota Prius C Hatchback 4DR Drives 40 miles each day total for work. Drives 15,000 miles annually. No accidents or violations in past 3 years. Best credit history (where applicable). Receives companion policy discount. Liability $100,000/$300,000/$100,000 Full PIP $2,500 UM $100,000/$300,000/$100,000 Comprehensive $250 deductible Collision $500 deductible

52$760$1,804$2,142$3,102$10,729
Scenario 9: Single Male, Age 50
Profile as the regulator defines it

Single Male, Age 50. Homeowner. Drives 2017 Ford F-250 XLT 4x4 4DR Crew Cab Gas 164 WB Drives 60 miles each day total for work. Drives 25,000 miles annually. Second vehicle – 2012 Honda CR-V EX AWD For pleasure use only – Drives 3,000 miles annually. Garage kept. No accidents or violations in past 3 years. Best credit history (where applicable). Receives companion policy discount. Liability $100,000/$300,000/$100,000 Full PIP $2,500 UM $100,000/$300,000/$100,000 Comprehensive $250 deductible Collision $500 deductible

52$1,064$2,628$3,416$4,098$14,031
Scenario 10: Single Male, Age 50
Profile as the regulator defines it

Single Male, Age 50. Renter. Drives 2016 Ford F-150 XLT 4x4 4DR Crew Cab Gas 145 WB Drives 60 miles each day total for work. Drives 25,000 miles annually. No accidents or violations in past 3 years. Best credit history (where applicable). Receives companion policy discount. Liability $100,000/$300,000/$100,000 Full PIP $2,500 UM $100,000/$300,000/$100,000 Comprehensive $250 deductible Collision $500 deductible

52$1,173$1,658$2,527$3,227$8,018
Scenario 11: Single Female, Age 50
Profile as the regulator defines it

Single Female, Age 50. Renter. Drives 2014 Hyundai Elantra 4DR SE WB Drives 60 miles each day total for work. Drives 20,000 miles annually. No accidents or violations in past 3 years. No credit history (where applicable). No companion policy discount. Liability $100,000/$300,000/$100,000 Full PIP $2,500 UM $100,000/$300,000/$100,000 Comprehensive $250 deductible Collision $500 deductible

52$1,547$2,386$3,144$4,109$10,368
Scenario 12: Single Male, Age 65
Profile as the regulator defines it

Single Male, Age 65. Homeowner (retired). Drives a 2012 Ford Escape XLS UTL 4x2 4DR Drives 5,000 miles annually – pleasure use. No accidents or violations in past 3 years. Best credit history (where applicable). Receives companion policy discount. Liability $100,000/$300,000/$100,000 Full PIP $2,500 UM $100,000/$300,000/$100,000 Comprehensive $250 deductible Collision $500 deductible 5

52$787$1,387$1,726$2,640$8,207
Scenario 13: Single Male, Age 65
Profile as the regulator defines it

Single Male, Age 65. Renter (retired). Drives a 2014 Honda Accord EX-L 6CYL 4DR Drives 5,000 miles annually – pleasure use. No accidents or violations in past 3 years. Best credit history (where applicable). Receives companion policy discount. Liability $100,000/$300,000/$100,000 Full PIP $2,500 UM $100,000/$300,000/$100,000 Comprehensive $250 deductible Collision $500 deductible

52$1,123$1,724$2,365$3,343$10,504
Scenario 14: Single Female, Age 65
Profile as the regulator defines it

Single Female, Age 65. Homeowner (retired). Drives a 2017 Toyota Camry Hybrid LE Drives 5,000 miles annually – pleasure use. No accidents or violations in past 3 years. Best credit history (where applicable). No companion policy discount. Liability $100,000/$300,000/$100,000 Full PIP $2,500 UM $100,000/$300,000/$100,000 Comprehensive $250 deductible Collision $500 deductible

52$754$1,770$2,374$3,316$10,522
Scenario 15: Single Female, Age 65
Profile as the regulator defines it

Single Female, Age 65. Renter (retired). Drives a 2015 Honda Accord Coupe LX 2.4L/4CYL Drives 5,000 miles annually – pleasure use. No accidents or violations in past 3 years. Best credit history (where applicable). No companion policy discount. Liability $100,000/$300,000/$100,000 Full PIP $2,500 UM $100,000/$300,000/$100,000 Comprehensive $250 deductible Collision $500 deductible

51$1,019$1,458$1,892$2,774$7,858
Scenario 16: Married Rate, No Youthful Drivers
Profile as the regulator defines it

Family Rate -- Premiums include coverage for two vehicles and two drivers, with a multi-car discount and a companion homeowners discount (where available). Married Male, Age 26. Drives a 2008 Toyota Tundra Double Cab 4X2 Drives 20 miles each day total for work. Drives 20,000 miles annually. No accidents or violations in past 3 years. Best credit history (where applicable). Liability $250,000/$500,000 /$100,000 Full PIP $2,500 UM $250,000/$500,000 /$100,000 Comprehensive $250 deductible Collision $500 deductible Married Female, Age 24. Drives a 2014 Dodge Grand Caravan SE Does not work. Drives 5,000 miles annually. No accidents or violations in past 3 years. Best credit history (where applicable). Liability $250,000/$500,000 /$100,000 Full PIP $2,500 UM $250,000/$500,000 /$100,000 Comprehensive $250 deductible Collision $500 deductible

51$1,160$2,807$3,831$4,626$13,629
Scenario 17: Married Rate, No Youthful Drivers
Profile as the regulator defines it

Family Rate -- Premiums include coverage for two vehicles and two drivers, with a multi-car discount and a companion renters discount (where available). Married Male, Age 29. Drives a 2011 Chevrolet Silverado 1500 PKP 4x2 2DR Regular Cab Drives 40 miles each day total for work. Drives 15,000 miles annually. No accidents or violations in past 3 years. No credit history (where applicable). Liability $30,000/$60,000 /$15,000 Full PIP $2,500 UM $30,000/$60,000 /$15,000 Comprehensive $250 deductible Collision $500 deductible 6 Married Female, Age 29. Drives a 2014 Dodge Grand Caravan SRT Works part-time. Drives 5,000 miles annually. No accidents or violations in past 3 years. No credit history (where applicable). Liability $ $30,000/$60,000 /$15,000 Full PIP $2,500 UM $30,000/$60,000 /$15,000 Comprehensive $250 deductible Collision $500 deductible

53$2,746$4,842$5,909$8,225$31,434
Scenario 18: Married Rate, No Youthful Drivers
Profile as the regulator defines it

Family Rate -- Premiums include coverage for two vehicles and two drivers, with a multi-car discount and a companion homeowners discount (where available). Married Male, Age 35. Drives a 2010 Dodge Dakota Crew Cab PKP 4x4 4DR Drives 45 miles each day total for work. Drives 35,000 miles annually. No accidents or violations in past 3 years. Best credit history (where applicable). Liability $250,000/$500,000 /$100,000 Full PIP $2,500 UM $250,000/$500,000 /$100,000 Comprehensive $250 deductible Collision $500 deductible Married Female, Age 32. Drives a 2017 Nissan Rogue SL 4DR SUV AWD 2.5L 4CYL Drives 20 miles each day total for work. Drives 15,000 miles annually. No accidents or violations in past 3 years. Best credit history (where applicable). Liability $ 250,000/$500,000 /$100,000 Full PIP $2,500 UM $250,000/$500,000 /$100,000 Comprehensive $250 deductible Collision $500 deductible

51$1,131$2,640$3,650$4,175$13,713
Scenario 19: Married Rate with Youthful Driver
Profile as the regulator defines it

Family Rate -- Premiums include coverage for two vehicles and three drivers, with a multi-car discount and a companion homeowners discount (where available). Married Male, Age 44. Drives a 2016 Mercedes E350 Drives 60 miles each day total for work. Drives 35,000 miles annually. No accidents or violations in past 3 years. Best credit history (where applicable). Liability $100,000/$300,000/$100,000 Full PIP $2,500 UM $100,000/$300,000/$100,000 Comprehensive $250 deductible Collision $500 deductible Married Female, Age 44. Drives a 2016 Honda Accord EX-L 6 CYL 4DR Honda Sensing Drives 15,000 miles annually. No accidents or violations in past 3 years. Best credit history (where applicable). Liability $100,000/$300,000/$100,000 Full PIP $2,500 UM $100,000/$300,000/$100,000 Comprehensive $250 deductible Collision $500 deductible Young Single Male, Age 17. Does not have his own vehicle – he is…

51$3,881$6,690$8,808$12,742$43,468
Scenario 20: Married Rate with Youthful Drivers
Profile as the regulator defines it

Family Rate -- Premiums include coverage for two vehicles and three drivers, with a multi-car discount and a companion homeowners discount (where available). Married Male, Age 44. Drives a 2012 Jeep Grand Cherokee 4WD 7 Drives 60 miles each day total for work. Drives 35,000 miles annually. No accidents or violations in past 3 years. Worst credit history (where applicable). Liability $100,000/$300,000/$100,000 Full PIP $2,500 UM $100,000/$300,000/$100,000 Comprehensive $250 deductible Collision $500 deductible Married Female, Age 44. Drives a 2015 Toyotoa Camry Does not work. Drives 5,000 miles annually. No accidents or violations in past 3 years. Best credit history (where applicable). Liability $100,000/$300,000/$100,000 Full PIP $2,500 UM $100,000/$300,000/$100,000 Comprehensive $250 deductible Collision $500 deductible Young Single Male, Age 17. Does not have his own vehicle – he is…

51$3,611$5,848$8,573$11,506$31,618
Scenario 21: Married Rate, No Youthful Driver
Profile as the regulator defines it

Family Rate -- Premiums include coverage for two vehicles and two drivers, with a multi-car discount and a companion renters discount (where available). Married Male, Age 50. Drives a 2017 Toyota Avalon Hybrid XLE Drives 60 miles each day total for work. Drives 35,000 miles annually. One at fault accident 15 months ago with claim paid in excess of $10,000. Best credit history (where applicable). Liability $100,000/$300,000/$100,000 Full PIP $2,500 UM $100,000/$300,000/$100,000 Comprehensive $250 deductible Collision $500 deductible Married Female, Age 50. Drives a 2008 Toyota Camry SE Sedan 4DR Does not work. Drives 5,000 miles annually. No accidents or violations in past 3 years. Best credit history (where applicable). Liability $100,000/$300,000/$100,000 Full PIP $2,500 UM $100,000/$300,000/$100,000 Comprehensive $250 deductible Collision $500 deductible

52$2,187$3,537$4,541$5,556$14,894
Scenario 22: Married Rate, No Youthful Driver
Profile as the regulator defines it

Family Rate -- Premiums include coverage for two vehicles and two drivers, with a multi-car discount and a companion homeowners discount (where available). Married Male, Age 65. Drives a 2015 Jeep Grand Cherokee Altitude 4x4 Drives 20 miles each day total for work. Drives 20,000 miles annually. No accidents or violations in past 3 years. Best credit history (where applicable). Liability $250,000/$500,000/$100,000 Full PIP $2,500 UM $250,000/$500,000/$100,000 Comprehensive $250 deductible Collision $500 deductible Married Female, Age 65. Drives a 2016 Lexus Does not work. Drives 5,000 miles annually. No accidents or violations in past 3 years. Best credit history (where applicable). Liability $250,000/$500,000/$100,000 Full PIP $2,500 UM $250,000/$500,000/$100,000 Comprehensive $250 deductible Collision $500 deductible 8

51$1,256$2,879$3,591$4,813$12,604

What these figures are, and what they are not

Each figure is computed from the premiums insurers filed with Maryland Insurance Administration for one hypothetical driver the regulator defined. They are not quotes, not offers, and not what any individual pays. An insurer’s filed sample rate assumes the exact vehicle, mileage, record and coverage in the published profile, and nothing else.

Full coverage. Every scenario carries liability, full PIP, uninsured motorist, comprehensive at a $250 deductible and collision at a $500 deductible, at the limits stated in the scenario definition. We publish the count and the distribution — the smallest filed rate, the quartiles, the median and the largest — and never a rate attributed to an insurer.

What Maryland requires by statute

Maryland's statutory minimum liability limits are 30/60/15. The survey above prices the coverage MIA defined for it, which is a separate question from what the law obliges a driver to carry. Car-insurance requirements in Maryland.

Coverage gap calculator

A liability limit caps what the policy pays. Anything above it is the at-fault driver’s own exposure. This works out the difference against the limits in your state’s statute — nothing else.

Above the limit

$27,000

A $42,000 property damage claim against Maryland’s statutory minimum property damage of $15,000 leaves $27,000 above the limit.

General information, not insurance, financial or legal advice. Coverage requirements change; verify with your state insurance department or the statute before acting. Nothing you type here leaves your browser.

Every other ZIP code MIA publishes

All Maryland premium data · Maryland requirements

Questions about Howard (ZIP 21044)

What do drivers in Howard (ZIP 21044) pay for car insurance?
There is no single answer, which is the point of the table above. For the middle profile of the 21 MIA publishes for Howard (ZIP 21044), the median filed rate is $3,591 across 51 filed rates, and the filed rates for that one profile run from $1,256 to $12,604.
Are these figures quotes?
No. They are rates insurers filed with Maryland Insurance Administration for hypothetical drivers the regulator defined. Nobody is offered these prices; they describe filings.
Does this coverage match Maryland's legal minimum?
Maryland's statutory minimum is 30/60/15. The survey's coverage basis is stated on this page and is not always the same thing.

Source: Maryland Insurance Administration, rates effective 1 August 2026. Retrieved 9 August 2026. 1,089 filed rates from this survey are aggregated into the 21 distributions above. Statewide, the survey holds 32,648 filed rates across 629 distributions.

Spread on the middle profile: 10.0×.