Which county in Maryland has the lowest homeowners insurance?

Cecil has the lowest homeowners insurance in Maryland, at $1,633.

What is the homeowners insurance in Cecil?

Cecil is ranked #1 in Maryland for homeowners insurance, at $1,633.

How is this homeowners insurance ranking calculated?

Counties in Maryland are ranked by homeowners insurance cost (Keys-Mulder escrow dataset (NBER WP 32579), Escrow 2024), lowest first. Values describe the county, not an individual property. Source vintage is shown on the page.

Counties With the Cheapest Homeowners Insurance in Maryland (2026)

Full county table and CSV download: Home insurance by county in Maryland

Cheapest counties for homeowners insurance in Maryland

Top 24 of 24 counties with data.

Ranked by homeowners insurance cost (Keys-Mulder escrow dataset (NBER WP 32579), Escrow 2024), lowest first.

Cheapest counties for homeowners insurance in Maryland

Rank	County	Value
01	Cecil$1,633 County page
02	Allegany$1,755 County page
03	Caroline$1,816 County page
04	Kent$1,848 County page
05	Dorchester$1,921 County page
06	Washington$1,966 County page
07	Baltimore$1,990 County page
08	Garrett$1,998 County page
09	Queen Anne's$2,056 County page
10	Baltimore$2,085
11	Carroll$2,103 County page
12	Frederick$2,116 County page
13	Worcester$2,142 County page
14	Wicomico$2,171 County page
15	St. Mary's$2,178 County page
16	Harford$2,189 County page
17	Anne Arundel$2,224 County page
18	Somerset$2,230 County page
19	Prince George's$2,328 County page
20	Calvert$2,394 County page
21	Charles$2,438 County page
22	Howard$2,774 County page
23	Montgomery$2,788 County page
24	Talbot$3,096 County page

How this ranking works

This page ranks Maryland counties by homeowners insurance cost, sorted so the cheapest places appear first. Click any county to see its housing, schools, crime, and demographics in detail.

For homeowners insurance, a lower value is generally more favorable, so the top of the list is the lowest. Want to weigh homeowners insurance against schools, taxes, commute, and more at once? Use the live map to build a custom match.

Data comes from public sources. Source attribution and the exact data vintage are shown above and on the full map of homeowners insurance cost.

Frequently asked questions

Which county in Maryland has the lowest homeowners insurance?: Cecil has the lowest homeowners insurance in Maryland, at $1,633.
What is the homeowners insurance in Cecil?: Cecil is ranked #1 in Maryland for homeowners insurance, at $1,633.
How is this homeowners insurance ranking calculated?: Counties in Maryland are ranked by homeowners insurance cost (Keys-Mulder escrow dataset (NBER WP 32579), Escrow 2024), lowest first. Values describe the county, not an individual property. Source vintage is shown on the page.