Cheap Auto Insurance Quotes in Maryland

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Maryland Car Insurance Averages for Annual Premiums

$858
Minimum Coverage Average
$1787
Full Coverage Average
$1256
All Coverage Types Average

Cheapest Car Insurance in Maryland

Getting cheap car insurance in Maryland doesn't necessarily mean getting a low quality policy.  Many insurance carriers offer discounts on your car insurance policy.  These discounts come from things like:

  • Adding multiple vehicles to a policy
  • Bundling home and auto insurance together
  • Paying for your policy upfront
  • Passing a defensive driving training course
  • Keeping your driving record in good standing
  • Updating your policy info on a regular basis
  • Checking your rates, deductible, and limits
  • Using an anti-theft security system on your car
  • Being careful with the type of vehicle your purchase

Make sure you ask the agent you speak with about what you can do to get Maryland affordable car insurance.  Get them to go through all of the auto insurance discounts they offer so you don't miss any.

 

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Best Car Insurance in Maryland

The Insureist™ Data Science team ranks the best insurance companies in Maryland using multiple factors.  This includes areas such as financial health, reliability, quality, online reviews, and customer service.  Data is gathered from multiple credible sources that include:
  • Forbes
  • Consumer Reports
  • Standard & Poor’s
  • J.D. Power
  • Moody’s
  • A.M. Best

The best auto insurance companies in Maryland are determined based on these results.

Car Insurance in Maryland

Maryland Vehicle insurance pricing will be different from city to city.  The Insureist™ Data Science team analyzed each metro area in Maryland to give you an idea of the average insurance premium in each city.  MD insurance rates will vary depending on your driving record, personal history, and other information unique to your situation.

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Types of Maryland Car Insurance Quotes

The cheapest insurance companies in Maryland will be different from person to person.  This is because everyone has a unique history when it comes to the factors that impact the rate you pay for insurance in Maryland. Average rates may vary depending on the profile and background of the policyholder depending on these and other factors:

  • Age
  • Vehicle make and model
  • Insurance claim history
  • Credit score
  • Driving record
  • Gender
  • Marital status
  • Legal liability requirements
  • Where you live
  • Miles driven each year

Cheap Auto Insurance for Good Drivers

Drivers who drive clean and traffic citations can have car insurance rates significantly lower in the state of Maryland.

Cheap Auto Insurance for Drivers with DUI

Everyone makes a mistake and has to deal with the consequences, but the consequences of a DUI can be severe. These penalties include fines into the thousands of dollars. Finding affordable rates for MD car insurance after a DUI is no small feat, but if you really have trouble getting an affordable rate, consider only liability insurance as a way to save.

Cheap Auto Insurance for Drivers with an At-Fault Accident

Even a tiny fender bender can lift interest rates to levels that will significantly alter your budget. Insurers look at different time frames to track your driving history, from the time of your accident to the date of your accident and even up to a few months later. One company could look at the last five years, while the other could look at the last three years and so on.

Cheap Auto Insurance for Speeding Drivers

Speeding tickets can directly impact the rate you pay for MD auto insurance.  Get enough of them and you can even lose your license.

Cheap Auto Insurance for Young Drivers

Inexperienced drivers pose a higher risk to insurance providers so their rates can be significantly higher than average drivers. Novice drivers should be especially careful to maintain a clean driving record and comply with all speed limits and other driving regulations. Some MD insurance companies can provide more favorable rates than others for younger drives. It's worth getting multiple quotes so you can save money on your monthly insurance premiums.

Maryland SR‌-22 Insurance

You will need to get SR‌-22 insurance in MD if it's ordered by the state or a court. If it's a court that orders it, then the judge will notify you of this at the hearing. If it's ordered by the state, then you will get a letter from the DM/BMV.

Not all drivers need an SR-22. It's generally only required if you are caught driving without a valid license or valid insurance. You may also need an SR-22 in these cases:

  • Convicted of a DUI or DWI
  • Operating a vehicle without insurance
  • Too many violations or accidents where you are at-fault
  • Multiple offenses in a short time frame (i.e. getting 4 speeding tickets within a few months)
  • Refusing to pay child support that is court-ordered
  • Having to obtain a hardship license

The SR-22 is not an insurance policy. It's a document that your insurance company in MD files with the state to prove you have adequate car insurance. This allows you to legally drive again if you are ordered to get an SR-22. Not all insurers offer SR-22s so you may need to shop around.

FAQs - Maryland Car Insurance & Driving Facts

Which car insurance is best in Maryland?

The best car insurance company in Maryland will vary depending on where you are located in the state and what type of coverage you need. It's a good idea to get a quote from multiple MD insurance companies to get the best deal for you. Here are the largest insurance companies in the US that you may consider starting with: State Farm, GEICO, Progressive Corporation, Allstate, USAA, Liberty Mutual, Farmers Insurance Group, Nationwide Mutual Insurance Company, American Family Insurance, The Travelers Companies. Please note that they may or may not provide specific kinds of coverage in your area.

How much car insurance do i need in Maryland?

The minimum auto insurance liability coverage required in the state of Maryland is 30/60/15. This means that you must by law have at least the following coverages: $30000 bodily injury coverage per person, $60000 bodily injury coverage per accident, $15000 property damage coverage per accident. While these are the legal minimums to drive in Maryland, many experts recommend that you get liability coverage of at least 100/300/50 if you can afford it. This means you should strongly consider: $100,000 bodily injury coverage per person, $300,000 bodily injury coverage per accident, $50,000 property damage coverage per accident. You may also consider getting additional MD auto insurance coverage depending on your financial situation.

How much does car insurance cost in Maryland?

The average annual cost of an auto insurance policy in Maryland is $1256. The average minimum coverage annual cost in Maryland is $858. The average full coverage annual cost in Maryland is $1787.

How does car insurance work in Maryland?

Car insurance pays for damage caused by the driver, but can also cover repairs and medical bills. Motorists buy policies from auto insurance companies that promise some coverage for different situations. There are different types of car insurance for drivers in different states, and there are many different levels of coverage available from different companies. Vehicle insurance is mandatory in 48 states, but the specific insurance requirements and costs vary from state to state for each driver.

What are the different types of car insurance in Maryland?

These are the 5 typical components of an auto insurance policy: Liability Coverage - Pays for injuries to people and damage to property caused by you in an accident; Uninsured and Underinsured Motorist Coverage - Pays your medical bills if you are in an accident and the other driver does not have an insurance policy or does not have a big enough one; Comprehensive Coverage - Pays for damage to your car from fire, hail, flood, falling objects, vandalism, hitting an animal, and theft of your car; Collision Coverage - Pays for the repair or replacement of your car after an accident; Medical Payments Coverage - Pays for covering the cost of medical expenses related to an accident.

Additional Insights

Maryland Map

Maryland

Vehicle Insurance

Maryland ( MERR-ə-lənd) is a state in the Mid-Atlantic region of the United States, bordering Virginia, West Virginia, and the District of Columbia to its south and west; Pennsylvania to its north; and Delaware and the Atlantic Ocean to its east. The state's largest city is Baltimore, and its capital is Annapolis. Among its occasional nicknames are Old Line State, the Free State, and the Chesapeake Bay State. It is named after the English Queen Henrietta Maria, known in England as Queen Mary, who was the wife of King Charles I.

Sixteen of Maryland's twenty-three counties, as well as the city of Baltimore, border the tidal waters of the Chesapeake Bay estuary and its many tributaries, which combined total more than 4,000 miles of shoreline. Although one of the smallest states in the U.S., it features a variety of climates and topographical features that have earned it the moniker of America in Miniature. In a similar vein, Maryland's geography, culture, and history combine elements of the Mid-Atlantic, Northeastern, and Southern regions of the country.

Before its coastline was explored by Europeans in the 16th century, Maryland was inhabited by several groups of Native Americans, mostly by the Algonquin, and to a lesser degree by the Iroquois and Sioux. As one of the original Thirteen Colonies of Great Britain Maryland was founded by George Calvert, 1st Baron Baltimore, a Catholic convert who sought to provide a religious haven for Catholics persecuted in England. In 1632, Charles I of England granted Lord Baltimore a colonial charter, naming the colony after his wife, Queen Mary (Henrietta Maria of France). Unlike the Pilgrims and Puritans, who rejected Catholicism in their settlements, Lord Baltimore envisioned a colony where people of different religious sects would coexist under the principle of toleration. Accordingly, in 1649 the Maryland General Assembly passed an Act Concerning Religion, which enshrined this principle by penalizing anyone who "reproached" a fellow Marylander based on religious affiliation. Nevertheless, religious strife was common in the early years, and Catholics remained a minority, albeit in greater numbers than in any other English colony.

Maryland's early settlements and population centers clustered around rivers and other waterways that empty into the Chesapeake Bay. Its economy was heavily plantation-based and centered mostly on the cultivation of tobacco. Britain's need for cheap labor led to a rapid expansion of indentured servants, penal labor, and African slaves. In 1760, Maryland's current boundaries took form following the settlement of a long-running border dispute with Pennsylvania. Maryland was an active participant in the events leading up to the American Revolution, and by 1776, its delegates signed the Declaration of Independence. Many of its citizens subsequently played key political and military roles in the war. In 1790, the state ceded land for the establishment of the U.S. capital of Washington, D.C.

Although then a slave state, Maryland remained in the Union during the American Civil War, its strategic location giving it a significant role in the conflict. After the war, Maryland took part in the Industrial Revolution, driven by its seaports, railroad networks, and mass immigration from Europe. Since the Second World War, the state's population has grown rapidly, to approximately six million residents, and it is among the most densely populated U.S. states. As of 2015, Maryland had the highest median household income of any state, owing in large part to its proximity to Washington, D.C. and a highly diversified economy spanning manufacturing, services, higher education, and biotechnology. The state's central role in U.S. history is reflected by its hosting of some of the highest numbers of historic landmarks per capita.

Source

Vehicle insurance (also known as car insurance, motor insurance, or auto insurance) is insurance for cars, trucks, motorcycles, and other road vehicles. Its primary use is to provide financial protection against physical damage or bodily injury resulting from traffic collisions and against liability that could also arise from incidents in a vehicle. Vehicle insurance may additionally offer financial protection against theft of the vehicle, and against damage to the vehicle sustained from events other than traffic collisions, such as keying, weather or natural disasters, and damage sustained by colliding with stationary objects. The specific terms of vehicle insurance vary with legal regulations in each region.

Source

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