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Why Compare Car Insurance Rates in Maryland:

  • On average, people who compare rates save about $970 a year on car insurance
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If you got yourself into a car accident situation, you're more likely to be at fault in Maryland than in any other state. That means that after a collision, drivers have the right to sue the other driver for damages. In Maryland, the cost of car insurance is reasonable. The cost of car insurance in Maryland is $1,240 per year, which is 13.1% lower than the national average. If you just got your driver's license or recently moved to Maryland, you might be curious about the state's auto insurance laws and how to get the cheap yet best car insurance in Maryland.

Minimum Required Auto Insurance Coverage in Maryland

All states require you to buy such insurance coverage before you can register your car. According to the Maryland Insurance Department, all car owners must have at least the following:

Coverage Type Minimum Coverage Limit
Bodily injury liability coverage $30,000 per person
$60,000 per accident
Property damage liability coverage $15,000
Uninsured motorist bodily injury $30,000 per person
$60,000 per accident
Uninsured/Underinsured motorist property damage $15,000
Personal injury protection (PIP) $2,500

If you're in the dark regarding coverage types, our quick read on auto insurance coverage types will get you up to speed.

Cheapest Car Insurance in Maryland for Minimum Required Coverage

In Maryland, State Farm also offers the most affordable full-coverage insurance. State Farm's average annual premium is $1,530, which is 21% lower than the statewide average. Erie and Progressive are the next on the list. However, rates vary greatly depending on the car insurance companies, your region, your driving record, and other things. Compare quotes from various insurance to ensure you get the best deal.

See what you could save on auto insurance

Maryland Car Insurance Laws

Before a vehicle can be registered in Maryland, it must be insured by a licensed insurance company. Liability insurance, uninsured motorist insurance, and personal injury protection are just a few of the coverages that are required by law.

With the help of Way.com, you can obtain quotes from a wide range of top insurance providers and compare coverage options and prices to find the vehicle insurance policy that best suits your needs.

Maryland Auto Insurance Requirements

Drivers in Maryland are required by law to carry a certain amount of insurance coverage for their vehicles. The following are Maryland's legal minimums for third-party liability auto insurance coverage:

  • The owner/driver of the insured vehicle is responsible for an accident resulting in bodily injury or death for which the insurance company pays out $30,000 in damages.
  • In the event of an accident caused by the owner/driver of the insured vehicle, a maximum of $60,000 in total bodily injury or death liability and a maximum of $15,000 in property damage liability are provided.

In the event that you cause a car accident that injures or damages another driver, passenger, or pedestrian, liability coverage will pay for their medical bills, property damage bills, and other costs.

A Maryland car accident doesn't cover your own injuries or vehicle damage; only third-party liability insurance does. If you're in a car accident and your losses aren't covered by anyone else's insurance, you'll need different (additional) coverage. Collision insurance, for example, can cover the cost of repairing or replacing your damaged vehicle in the event of an accident (though this coverage is optional in Maryland).

Uninsured motorist (UM) coverage can protect you and your passengers in the event of a hit and run or if the at-fault driver does not have insurance.

Maryland car insurance PIP requirements

PIP, or personal injury protection, pays for medical expenses, in-patient stays, and disabling conditions. Expenses incurred as a result of a car accident can be reimbursed up to $2,500. PIP coverage is available in amounts ranging from $2,500 to $10,000 per person.

Proof of Auto Insurance in Maryland

In order to drive a vehicle that is registered in Maryland, you must have proof of insurance, according to Maryland law. Proof of insurance on a mobile phone or other portable electronic device is valid. Otherwise it can be the paper-based insurance card provided by the insurance company. If you don't have proof of insurance, you may be fined $50.

Average Cost of Auto Insurance Companies in Maryland

Full coverage insurance from Travelers is the most affordable option in Maryland. A full-coverage State Farm policy costs an average of $1,530 per year, which is 21% less than the state average.

Company Annual rate Monthly rate
Travelers $1,250 105
Kemper $1,380 115
State Farm $1,530 $127
Erie $1,675 $140
Progressive $2,415 $202
Nationwide $3,180 $265
USAA $890 $73
  • Car insurance in Maryland costs an average of $1,050 per year, or $90 per month, for the bare minimum liability coverage.
  • Members of the USAA have access to lower rates. A policy from USAA costs less per year than one from State Farm. But USAA is only available to current and former military members and their families.
  • Comprehensive and collision coverage are included in full-coverage auto policies that pay for damage to your own vehicle in the event of an accident.
  • Even though minimum coverage policies are less expensive, you run the risk of being underinsured if you choose to forgo comprehensive and collision coverage in the event of an accident. In Maryland, the annual premium difference between policies with full coverage and those with only the bare necessities is around $890.

Cheapest Car Insurance Quotes for Maryland Drivers

It's possible to save money on car insurance without having to compromise on coverage. Low-cost car insurance is available in Maryland from a variety of providers. Using data on average annual rates, we located some of the most cost-effective auto insurance providers in the state of Maryland. According to our in-house market research, these companies offer the best auto insurance in Maryland.

Cheap car insurance in Maryland for young Maryland drivers

Erie has the best rates for 18-year-old drivers in Maryland who are looking for affordable car insurance. Erie's minimum coverage policy costs $1,230 less per year than the average in the state.

Company Annual Rate (Liability only) Annual Rate (Full coverage)
Erie $2,050 $4,270
State Farm $2,515 $4,795
Progressive $4,225 $7,480
Nationwide $6,355 $11,790

Cheap car insurance for Maryland drivers with a speeding ticket

For drivers with a speeding ticket in Maryland, State Farm offers the most affordable full coverage auto insurance. After receiving a ticket, State Farm customers can expect a 9% increase in their annual premiums.

Company Annual rate
State Farm $1,665
Erie $1,750
Progressive $2,895
Nationwide $3,885

Cheap auto insurance for Maryland drivers after a car accident

State Farm is the best option for Maryland drivers who have had an accident on their driving record. At $1,200, State Farm's full coverage policy is cheaper than the state average of $2,765per year after an at-fault accident.

Company Annual rate
State Farm $1,200
Erie $2,200
Progressive $3,495
Nationwide $4,885

Cheap car insurance quotes for Maryland drivers with a DUI

Erie has the best rates for Maryland drivers with a DUI on their record, with an average annual premium of $1,750.

Company Annual rate
Erie $1,750
Progressive $3,150
Nationwide $3,670
State Farm $7,495

Cheap car insurance for married Maryland drivers

In Maryland, State Farm offers the most affordable full-coverage insurance for married drivers: $1,525 a year. Which, despite the fact that State Farm does not offer married couples a discount on car insurance.

Company Annual rate
State Farm $1,525
Erie $1,595
Progressive $2,045
Nationwide $2,890

Cheap full coverage car insurance quotes for young drivers with an accident history

Erie has the cheapest car insurance for young Maryland drivers with an accident history. With an annual premium of $2,755, which is less expensive than the national average for health insurance for 18-year-olds.

Company Annual rate
Erie $2,755
State Farm $3,200
Progressive $4,650
Nationwide $7,015

See what you could save on auto insurance

Compare Car Insurance Rates In Top Cities

The average full coverage policy in Maryland costs $1525 a year, making it one of the most expensive states in the country for car insurance. Even though these averages can give you a good idea of how costs may vary, your car insurance rates are likely to be unique. Insuring a vehicle is affected by a number of factors, including the location in which it is kept.

CityAverage Annual Rate
Abell$1,649
Aberdeen$1,865
Aberdeen Proving Ground$1,985
Abingdon$2,021
Accident$1,553
Accokeek$2,225
Adamstown$1,589
Adelphi$2,465
Algonquin$1,553
Allen$1,529
Andrews AFB$2,177
Annapolis$1,853
Annapolis Junction$1,913
Annapolis Neck$1,853
Aquasco$2,129
Arbutus$2,645
Arden on the Severn$1,805
Arnold$1,817
Ashton$1,961
Aspen Hill$2,129
Avenue$1,709
Baden$2,189
Baldwin$1,997
Ballenger Creek$1,541
Baltimore$2,981
Barclay$1,577
Barnesville$1,829
Barstow$1,649
Barton$1,517
Beallsville$1,925
Bel Air$1,853
Bel Air North$1,865
Bel Air South$1,865
Bel Alton$1,913
Belcamp$1,937
Beltsville$2,393
Benedict$1,925
Benson$1,877
Bensville$2,069
Berlin$1,529
Berwyn Heights$2,129
Bethesda$1,721
Bethlehem$1,493
Betterton$1,637
Big Pool$1,505
Bishopville$1,529
Bittinger$1,565
Bivalve$1,541
Bladensburg$2,501
Bloomington$1,541
Boonsboro$1,541
Boring$2,129
Bowie$2,153
Bowleys Quarters$2,453
Bowmans Addition$1,493
Boyds$1,853
Bozman$1,505
Braddock Heights$1,577
Brandywine$2,225
Brentwood$2,513
Brinklow$1,961
Brookeville$1,925
Brooklandville$2,153
Brooklyn$2,597
Brooklyn Park$2,273
Brookmont$1,721
Broomes Island$1,661
Brownsville$1,505
Brunswick$1,625
Bryans Road$2,069
Bryantown$1,937
Buckeystown$1,601
Burkittsville$1,577
Burtonsville$2,165
Bushwood$1,721
Butler$2,129
Cabin John$1,757
California$1,649
Callaway$1,697
Calverton$2,249
Cambridge$1,553
Camp Springs$2,477
Capitol Heights$2,645
Carney$2,465
Cascade$1,493
Catonsville$2,501
Cavetown$1,469
Cecilton$1,721
Cedarville$2,213
Centreville$1,637
Chance$1,589
Chaptico$1,685
Charlestown$1,853
Charlotte Hall$1,865
Chase$2,249
Cheltenham$2,213
Chesapeake Beach$1,697
Chesapeake City$1,793
Chesapeake Ranch Estates$1,637
Chester$1,577
Chestertown$1,577
Cheverly$2,561
Chevy Chase$1,709
Chevy Chase Section Five$1,709
Chevy Chase Section Three$1,709
Chevy Chase View$1,769
Chevy Chase Village$1,709
Chewsville$1,493
Childs$1,853
Chillum$2,465
Church Creek$1,553
Church Hill$1,577
Churchton$1,829
Churchville$1,829
Claiborne$1,493
Clarksburg$1,913
Clarksville$1,913
Clear Spring$1,505
Clements$1,673
Clinton$2,249
Cobb Island$1,925
Cockeysville$2,225
Colesville$2,201
College Park$2,249
Colmar Manor$2,525
Colora$1,889
Coltons Point$1,649
Columbia$1,997
Compton$1,661
Conowingo$1,949
Cooksville$1,865
Coral Hills$2,657
Cordova$1,505
Corriganville$1,505
Cottage City$2,549
Crapo$1,553
Cresaptown$1,517
Crisfield$1,601
Crocheron$1,541
Crofton$1,889
Croom$2,189
Crownsville$1,805
Crumpton$1,589
Cumberland$1,505
Curtis Bay$2,105
Damascus$1,865
Dameron$1,637
Dames Quarter$1,625
Darlington$1,841
Darnestown$1,889
Davidsonville$1,865
Dayton$1,853
Deal Island$1,589
Deale$1,841
Deer Park$1,565
Delmar$1,553
Denton$1,541
Derwood$1,997
Dickerson$1,697
District Heights$2,609
Dowell$1,625
Drayden$1,637
Drum Point$1,637
Dundalk$2,429
Dunkirk$1,817
Earleville$1,781
East New Market$1,541
East Riverdale$2,453
Easton$1,481
Eckhart Mines$1,493
Eden$1,601
Edgemere$2,333
Edgewater$1,853
Edgewood$2,261
Edmonston$2,465
Eldersburg$1,781
Elk Mills$1,817
Elkridge$2,021
Elkton$1,793
Ellerslie$1,517
Ellicott City$1,961
Emmitsburg$1,565
Essex$2,513
Ewell$1,577
Fairland$2,153
Fairmount Heights$2,633
Fairplay$1,517
Fairwood$2,117
Fallston$1,877
Faulkner$1,949
Federalsburg$1,481
Ferndale$2,093
Finksburg$1,781
Fishing Creek$1,553
Flintstone$1,517
Forest Heights$2,585
Forest Hill$1,865
Forestville$2,573
Fork$2,009
Fort Howard$2,297
Fort Meade$1,937
Fort Washington$2,357
Fountainhead-Orchard Hills$1,469
Four Corners$2,165
Frederick$1,577
Freeland$1,949
Friendly$2,393
Friendship$1,889
Friendship Heights Village$1,709
Friendsville$1,553
Frostburg$1,493
Fruitland$1,553
Fulton$1,841
Funkstown$1,505
Gaithersburg$1,937
Galena$1,589
Galesville$1,865
Gambrills$1,937
Gapland$1,529
Garrett Park$1,937
Garrison$2,645
Georgetown$1,781
Germantown$1,913
Gibson Island$1,793
Girdletree$1,553
Glassmanor$2,585
Glen Arm$2,057
Glen Burnie$2,033
Glen Echo$1,757
Glenarden$2,393
Glenelg$1,841
Glenn Dale$2,213
Glenwood$1,805
Glyndon$2,357
Goldsboro$1,493
Grahamtown$1,505
Grantsville$1,529
Grasonville$1,553
Great Mills$1,685
Greenbelt$2,189
Greensboro$1,553
Gunpowder$2,105
Gwynn Oak$3,209
Hagerstown$1,529
Halethorpe$2,345
Halfway$1,493
Hampstead$1,853
Hampton$2,237
Hancock$1,565
Hanover$1,985
Harmans$1,997
Harwood$1,853
Havre De Grace$1,829
Hebron$1,541
Helen$1,649
Henderson$1,505
Herald Harbor$1,805
Highland$1,841
Hillandale$2,441
Hillcrest Heights$2,585
Hillsboro$1,493
Hollywood$1,637
Hughesville$1,949
Hunt Valley$2,237
Huntingtown$1,697
Hurlock$1,541
Hyattsville$2,525
Hydes$1,997
Ijamsville$1,565
Ilchester$1,985
Indian Head$2,069
Ingleside$1,589
Ironsides$1,949
Issue$1,937
Jarrettsville$1,877
Jefferson$1,553
Jessup$2,021
Joppa$2,081
Keedysville$1,541
Kemp Mill$2,165
Kennedyville$1,577
Kensington$1,793
Kettering$2,285
Keymar$1,673
Kingsville$2,069
Kitzmiller$1,553
Knoxville$1,613
Konterra$2,141
La Plata$1,925
La Vale$1,493
Ladiesburg$1,553
Lake Arbor$2,321
Lake Shore$1,889
Landover$2,561
Landover Hills$2,513
Langley Park$2,417
Lanham$2,381
Lanham Seabrook$2,381
Lansdowne$2,321
Largo$2,285
Laurel$2,093
Laytonsville$1,937
Leitersburg$1,457
Leonardtown$1,625
Lexington Park$1,673
Libertytown$1,541
Lineboro$1,757
Linganore$1,589
Linkwood$1,541
Linthicum$2,093
Linthicum Heights$2,081
Lisbon$1,793
Little Orleans$1,541
Lochearn$2,825
Lonaconing$1,517
Long Green$2,153
Lothian$1,841
Loveville$1,625
Luke$1,529
Lusby$1,625
Lutherville$2,141
Lutherville Timonium$2,153
Maddox$1,685
Madison$1,553
Manchester$1,769
Manokin$1,577
Marbury$2,057
Mardela Springs$1,529
Marion Station$1,577
Marlow Heights$2,561
Marriottsville$1,937
Marydel$1,493
Maryland City$2,021
Maryland Line$2,105
Massey$1,577
Maugansville$1,493
Mayo$1,853
Mc Henry$1,553
McDaniel$1,493
Mechanicsville$1,805
Middle River$2,501
Middletown$1,661
Midlothian$1,529
Milford Mill$2,849
Millersville$1,829
Millington$1,577
Mitchellville$2,237
Monkton$2,033
Monrovia$1,625
Montgomery Village$1,961
Morganza$1,661
Morningside$2,585
Mount Aetna$1,469
Mount Airy$1,613
Mount Lena$1,529
Mount Rainier$2,489
Mount Savage$1,505
Mount Vernon$1,649
Mount Victoria$1,949
Mountain Lake Park$1,553
Myersville$1,577
Nanjemoy$1,985
Nanticoke$1,541
National Harbor$2,477
Naval Academy$1,829
Neavitt$1,493
New Carrollton$2,525
New Market$1,601
New Midway$1,553
New Windsor$1,745
Newark$1,541
Newburg$1,937
Newcomb$1,493
North Beach$1,817
North Bethesda$1,757
North East$1,853
North Kensington$1,853
North Potomac$1,805
Nottingham$2,225
Oakland$1,553
Ocean City$1,529
Ocean Pines$1,529
Odenton$1,949
Oldtown$1,529
Olney$1,937
Overlea$2,837
Owings$1,757
Owings Mills$2,537
Oxford$1,481
Oxon Hill$2,501
Paramount-Long Meadow$1,457
Park Hall$1,685
Parkton$1,973
Parkville$2,513
Parole$1,853
Parsonsburg$1,601
Pasadena$1,925
Patuxent River$1,637
Peppermill Village$2,609
Perry Hall$2,309
Perry Point$1,841
Perryman$1,913
Perryville$1,913
Phoenix$2,057
Pikesville$2,909
Piney Point$1,649
Pinto$1,529
Pittsville$1,541
Pleasant Hills$1,973
Pocomoke City$1,601
Point of Rocks$1,625
Pomfret$1,973
Poolesville$1,889
Port Deposit$1,865
Port Republic$1,637
Port Tobacco$1,949
Potomac$1,817
Potomac Heights$2,069
Potomac Park$1,493
Powellville$1,529
Preston$1,481
Price$1,589
Prince Frederick$1,757
Princess Anne$1,649
Pylesville$1,865
Quantico$1,589
Queen Anne$1,589
Queenstown$1,553
Randallstown$2,933
Rawlings$1,529
Redland$2,009
Rehobeth$1,577
Reisterstown$2,453
Rhodesdale$1,541
Riderwood$2,249
Ridge$1,637
Ridgely$1,505
Rising Sun$1,889
Riva$1,865
Riverdale$2,489
Riverdale Park$2,489
Riviera Beach$1,889
Robinwood$1,469
Rock Hall$1,577
Rock Point$1,853
Rockville$1,889
Rocky Ridge$1,577
Rohrersville$1,529
Rosedale$2,789
Rossville$2,477
Royal Oak$1,481
Sabillasville$1,529
Saint Inigoes$1,685
Saint Leonard$1,625
Saint Marys$1,649
Saint Marys City$1,649
Salisbury$1,589
Sandy Spring$2,033
Savage$2,033
Scaggsville$1,985
Scotland$1,685
Seabrook$2,381
Seat Pleasant$2,609
Secretary$1,541
Severn$2,033
Severna Park$1,841
Shady Side$1,865
Sharpsburg$1,541
Sharptown$1,541
Sherwood$1,493
Sherwood Forest$1,877
Showell$1,529
Silver Hill$2,621
Silver Spring$2,141
Simpsonville$1,973
Smithsburg$1,469
Snow Hill$1,601
Solomons$1,625
Somerset$1,697
South Kensington$1,841
South Laurel$2,177
Sparks Glencoe$2,081
Sparrows Point$2,393
Spencerville$2,105
Spring Gap$1,529
Spring Ridge$1,565
Springdale$2,309
St. James$1,505
St. Michaels$1,481
Stevenson$2,189
Stevensville$1,565
Still Pond$1,589
Stockton$1,541
Street$1,829
Sudlersville$1,577
Suitland$2,609
Sunderland$1,781
Swanton$1,541
Sykesville$1,769
Takoma Park$2,297
Tall Timbers$1,649
Taneytown$1,769
Taylors Island$1,553
Temple Hills$2,513
Templeville$1,493
Thurmont$1,565
Tilghman$1,505
Tilghmanton$1,517
Timonium$2,165
Toddville$1,553
Towson$2,417
Tracys Landing$1,865
Trappe$1,493
Travilah$1,817
Trego-Rohrersville Station$1,553
Tuscarora$1,589
Tyaskin$1,565
Tylerton$1,577
Union Bridge$1,697
Unionville$1,553
University Park$2,513
Upper Fairmount$1,577
Upper Falls$2,069
Upper Hill$1,577
Upper Marlboro$2,273
Upperco$2,057
Urbana$1,625
Valley Lee$1,637
Vienna$1,589
Waldorf$2,105
Walker Mill$2,609
Walkersville$1,589
Warwick$1,745
Washington Grove$1,973
Welcome$2,009
Wenona$1,589
West Friendship$1,877
West Laurel$2,165
West Ocean City$1,529
West River$1,901
Westernport$1,529
Westminster$1,721
Westover$1,649
Westphalia$2,585
Whaleyville$1,541
Wheaton$1,985
White Hall$1,949
White Marsh$2,261
White Oak$2,165
White Plains$2,105
Whiteford$1,889
Willards$1,541
Williamsport$1,481
Wilson-Conococheague$1,493
Windsor Mill$2,981
Wingate$1,553
Wittman$1,505
Woodbine$1,757
Woodlawn$2,897
Woodmore$2,321
Woodsboro$1,589
Woodstock$2,033
Woolford$1,553
Worton$1,577
Wye Mills$1,493

Maryland auto insurance rate by violation

Accident/Violation Avg. Annual Premium % Rate Increase $ Rate Increase
None $2,027 1% $0
One Med/PIP claim $2,096 4% $79
One comp claim $2,218 10% $200
Failure to wear a seat belt $2,224 11% $206
Child safety restraint $2,254 12% $237
Two Med/PIP claims $2,245 12% $238
Not-at-fault accident $2,267 13% $250
Failure to show documents $2,309 15% $292
Driving with expired registration $2,341 17% $324
Driving without lights $2,391 19% $374
Texting while driving $2,416 20% $409
Cell phone violation $2,416 20% $389
Two comp claims $2,424 21% $396
Speeding 6 - 10 MPH over limit $2,444 22% $427
Speeding 16 - 20 MPH over limit $2,445 22% $428
Speeding 11 - 15 MPH over limit $2,445 22% $428
Driving too slowly $2,445 22% $428
Failure to yield $2,457 22% $440
Following too closely $2,457 22% $440
Wrong way/wrong lane $2,457 22% $440
Failure to stop at a red light $2,457 22% $440
Illegal turn $2,458 22% $441
Improper passing $2,458 22% $441
Speeding in school zone $2,472 23% $455
Passing school bus $2,533 26% $515
At-fault accident - less than $1000 $2,583 29% $566
Operating a vehicle without permission $2,609 30% $592
Open container $2,638 31% $621
Speeding 21 - 25 MPH over limit $2,647 32% $630
In 65 MPH zone $2,946 47% $929
At-fault accident - greater than $2000 $3,027 51% $1,010
At-fault accident - $1000-$2000 $3,027 51% $1,010
Reckless driving $3,455 72% $1,438
Racing $3,637 81% $1,619
Driving with a suspended license $3,667 82% $1,650
Refusal to submit to a chemical test $3,720 85% $1,703
DUI $3,729 85% $1,712
Leaving scene of an accident/hit and run $3,791 88% $1,774

Car insurance price trends in Maryland

Year Avg. Annual Premium - Maryland Yearly Change - Maryland Avg. Annual Premium - US Yearly Change - US
2021 $1,315 -$121 $1,539 $56
2020 $1,508 $34 $1,493 -$51
2019 $1,422 $77 $1,554 $33
2018 $1,355 $461 $1,531 $94
2017 $1,806 $244 $1,447 $79
2016 $1,572 -$313 $1,378 $98
2015 $1,895 $226 $1,290 $61
2014 $1,679 $145 $1,239 $44
2013 $1,524 -$53 $1,205 -$70
2012 $1,587 $333 $1,286 $92

How to Find The Best Car Insurance in Maryland

Pick up the phone and dial your insurance agent. They can get you the best rates for car insurance in Maryland. If you feel that you can do a better job then we can suggest a few ways to get the best cheap car insurance quotes in Maryland:

Know Maryland's minimum insurance requirements: To drive legally in the state of Maryland, drivers must carry a certain minimum level of auto insurance coverage. Maryland's car insurance laws don't need to be memorized; however, understanding the lowest limits available can help determine whether you need higher limits.

What do you require: Take into account the particular requirements you need. You may be able to narrow down your choices for car insurance if you know what you're looking for. Determine which companies best fit your situation by taking time to understand your unique circumstances, wants, and needs.

Things to Know About Car Insurance When Moving to Maryland

  • Maryland's Financial Responsibility Law prohibits drivers from operating a vehicle without the minimum amount of insurance required by law. If you're caught driving without insurance, you could face hefty fines and even prison time.
  • To the extent that the policy limits allow, drivers in Maryland who are found to be at fault for an accident use their liability insurance to cover the costs of other people's medical bills and repair expenses. When it comes to tort law, Maryland falls into the category of "add on no fault," a term that refers to a type of no-fault state.

How to Get Discounts on Car Insurance in Maryland

There are a variety of auto insurance discounts available in Maryland, but they will vary from agency to agency. If you're changing insurance providers, see if they have a transition discount. You could be able to save money by moving.

Auto Insurance Data Methodology

The auto insurance rates published in this guide are based on the results of research completed by Way.com’s data team. Using a mix of public and internal data, we analyzed millions of rate averages across U.S. ZIP codes.

Quotes are typically based on a full coverage policy average unless otherwise noted within the content.

These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes will differ. Given this, it’s important to go through our insurance steps form to find how much you can save with way.com

Frequently Asked Questions

Who has the cheapest auto insurance in Maryland?

We compared the best auto insurance firms in Maryland and discovered that Erie Insurance has the best driver rates with a minimum coverage rate of $591.

How much does car insurance cost in Maryland?

Maryland auto insurance costs are significantly more than the national average for full coverage car insurance, $1738.

Is Maryland a no-fault state?

Maryland, unfortunately, is not a no-fault territory. Maryland is a tort (or at-fault) jurisdiction. The driver who causes an accident uses their insurance to cover the other driver's collision-related expenses. The available information is used by police and insurance agencies to determine who is at fault for the accident.

Is Maryland a PIP state?

In Maryland, personal injury protection (PIP) coverage offers immediate funds to cover missed earnings and medical costs if involved in a car accident. PIP insurance is no-fault coverage, which means you are entitled to benefits regardless of who was at fault in the car accident.

What happens if you don't have car insurance in Maryland?

Driving without insurance is a misdemeanor criminal offense in Maryland. This means that, in addition to heavy fines, you could face prison time and the loss of your license. A first-time offense will result in 5 points on your license, a $1000 fine, and up to a year in prison.

Can you drive a car without insurance in Maryland?

Driving without insurance is a misdemeanor criminal offense in Maryland. This means that, in addition to heavy fines, you could face prison time and the loss of your license. A first-time offense will result in 5 points on your license, a $1000 fine, and up to a year in prison.

Do you need car insurance in Maryland?

Driving without insurance is a misdemeanor criminal offense in Maryland. This means that, in addition to heavy fines, you could face prison time and the loss of your license. A first-time offense will result in 5 points on your license, a $1000 fine, and up to a year in prison.

How long does an accident stay on your insurance in Maryland?

Insurers are not allowed to raise the rates based on traffic incidents or breaches more than three years old. Insurers can include traffic accidents and violations that occurred within the last three years when calculating your risk.

What is the minimum auto insurance coverage in Maryland?

The following is the minimum legal Maryland auto insurance coverage:

Minimum Bodily Injury Liability Coverage: $30000 per person / $60000 per accident.

Property Damage Liability Coverage: A minimum of $15,000 is required.

What happens if your insurance lapses in MD?

Pay uninsured motorist penalties for each insurance lapse - $150 for the first 30 days, $7 for each day after that. Pay a $25 restoration fee on a vehicle's registration. Pay a $1000 fine and one year in jail for offering false proof of auto insurance.

Learn more by city and state for car insurance



Learn more by city and state for car insurance




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