Renters and home insurance rates in Maryland
The NAIC's published average premiums for Maryland by policy form, with Census ACS housing records for every county: renter households, median gross rent and median home value.
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Figures are published averages, never quotes; methodology at the foot of the page.
- average renters premium (HO-4), per year
- $155
- average homeowners premium (HO-3), per year
- $1,392
- renter households
- 760,808
By county
By county
| Montgomery County | 134,433 | $2,030 | $615,200 |
|---|---|---|---|
| Baltimore city | 131,531 | $1,290 | $219,300 |
| Prince George's County | 129,777 | $1,761 | $404,300 |
| Baltimore County | 111,157 | $1,566 | $330,000 |
| Anne Arundel County | 55,984 | $1,990 | $450,300 |
| Howard County | 33,966 | $2,038 | $576,700 |
| Frederick County | 23,378 | $1,706 | $437,700 |
| Harford County | 20,344 | $1,557 | $367,300 |
| Washington County | 20,266 | $1,100 | $275,900 |
| Wicomico County | 15,740 | $1,238 | $238,900 |
| St. Mary's County | 11,418 | $1,692 | $390,900 |
| Charles County | 11,299 | $1,897 | $402,300 |
| Carroll County | 10,250 | $1,370 | $406,400 |
| Cecil County | 9,920 | $1,367 | $311,800 |
| Allegany County | 8,142 | $786 | $149,200 |
| Worcester County | 5,541 | $1,180 | $348,100 |
| Dorchester County | 4,487 | $959 | $252,300 |
| Talbot County | 4,427 | $1,248 | $398,300 |
| Calvert County | 4,301 | $1,701 | $440,200 |
| Queen Anne's County | 3,665 | $1,611 | $441,800 |
| Caroline County | 3,428 | $1,070 | $272,400 |
| Somerset County | 2,586 | $938 | $164,300 |
| Garrett County | 2,385 | $710 | $217,000 |
| Kent County | 2,383 | $1,144 | $307,100 |
Download the Maryland county-level dataset (CSV), free to reuse with citation.
Sources, citation and related pages
Cite or embed this figure
The average annual renters insurance premium in Maryland was $155 in 2022, across 760,808 renter households recorded in the HomeCover HQ Rates Index (NAIC premiums; Census ACS households).
Cite as: "HomeCover HQ Rates Index: Maryland", updated 2026-08-17, https://homecoverhq.com/rates/maryland/.