Auto Insurance Maryland and beyond


Auto Insurance Maryland

This page provides average rates, minimums, state laws and quirky statistics regarding Maryland car insurance, and offers tips on securing the least expensive Maryland car insurance package.

To compare car insurance premiums in all U.S. states and Washington DC, or to study American culture, or to learn about top U.S. colleges and more, visit any of the links shown below.

Average Premium for Auto Insurance Maryland

The average yearly premium for cars owned in Maryland was $1,610 last year. This figure soars above the national average car insurance premium, which was $1,347 at the time. 

Part of the reason for these inflated premiums may be the state's relatively large population density and higher crime rates

Minimum Liability Coverage in Maryland

Maryland state law calls for a minimum per-vehicle insurance coverage of 30/60/15. In other words, $30,000 in Personal Injury Protection, $60,000 to cover death or injury to others, and $15,000 against property damage.

However, even these state-mandated minimums often do not fully cover the actual cost of an accident. This is why the Insurance Information Institute recommends 100/300 coverage for all U.S. drivers, as well as Uninsured Motorist protection.

Most Maryland car owners are under-insured, and fifteen percent of cars driven in Maryland are uninsured altogether. So Uninsured Motorist Insurance (UMI) is especially important for Maryland drivers, since Maryland is not a “no-fault” state. 

Penalties for Driving Without Insurance in Maryland

People who get caught driving without car insurance in Maryland face a 30-day registration suspension and a $150 fine.

The fine increases by seven dollars per day until insurance premiums are paid, with a maximum penalty of $2,500.

Low Cost Car Insurance in Maryland

Maryland insurance companies boast a broad range of discounts to encourage smart, safe driving habits.

Discounts are available for safe drivers, senior citizens, good students and multiple policy holders, among others.There is NO limit on the number of discounts you can qualify for, so apply for as many discounts as possible. This can save you 25-30 percent on annual car insurance premiums. 

Particular to this state is the Maryland Automobile Insurance Fund (MAIF), which assists drivers who cannot afford car insurance.

MAIF programs include the Uninsured Division, which pays insurance benefits to Maryland residents who have been injured in an auto accident.

Maryland's Uninsured Division is funded by penalties imposed on people caught driving without insurance.

Quotes on Auto Insurance Maryland

Recent consumer reports indicate that the following auto insurance carriers are the most popular among Maryland drivers: 

  1. ABC
  2. Allstate
  3. Encompass
  4. Liberty Mutual
  5. The Hartford
  6. State Farm
  7. 21st Century Insurance

Still, some Maryland vehicle owners prefer smaller companies like Erie Car Insurance or The Advantage Group.

In any case, Maryland is home to many car insurance companies who offer car insurance coverage at competitive rates. 

Call around and ask about the discounts. Compare rates. Then simply choose the cheapest deal that suits your individual needs.

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