|State Farm||$71 /mo|
How to Get Cheap Car Insurance in Maryland?
With 71,129 lane miles and 16 interstate highways, Maryland is popular for its roads and transportation. The average cost of auto insurance in Maryland is lower than the national average rate. As a result, drivers find it difficult to afford car insurance as per their requirements and they prefer to stick to the minimum required insurance terms.
RateForce has created a list of all the top car insurance companies in MD that you can try to get affordable rates for your policy. Check out the list below:
Which are the Best Car Insurance Companies in MD?
The difference between best and cheap car insurance rates is huge. Some drivers prefer best policies instead of cheap policies and hence they search for such companies as well. There are companies in Maryland that provide cheap policy options on the other hand there are companies that provide the best policies as per the profile of the driver. And finally, there are some big names that provide both options.
Here is a list of some companies that a driver who needs the best car insurance in Maryland can try:
|The General||$102 /mo|
How to Get Best Car Insurance Coverage in Maryland?
Minimum Car Insurance Requirements in Maryland
Does the term minimum car insurance requirements confuse you? We have noticed that drivers around the country are not aware of the term “minimum car insurance requirements”. Every driver is required to buy a certain amount of insurance as per the laws of his or her state to drive the car on the roads. Yes, every state has its own laws or limitations when it comes to minimum requirements for car insurance. We have researched the minimum required coverage as per the Maryland car insurance laws that are mandatory for every driver:
- Bodily Injury Liability (BIL) Coverage:
The first and most important coverage that comes into the picture of minimum coverage requirements in Maryland is BIL. Whenever a driver is at-fault in an accident; all the hospital bills of the victim(s) come under the responsibility of the driver’s insurance company. This includes the other passengers that were present in the vehicle of the victim during the accident. Below are the limits of bodily injury liability coverage requirements in Maryland:
$30,000 per person; if only one driver is involved in the accident.
This limit is higher than most of the states like Virginia which has a limit of $25,000 per person.
$60,000 per accident; if there were more than one victim. It can be other pedestrians or passengers in the car.
- Property Damage Liability (PDL) Coverage:
The next coverage that comes into the picture is for the damages that are caused to the private property of another person. This includes damages caused to another person’s vehicle, fence, house, shop, or even gate. The car insurance company of the driver who was at fault will cover all the damages of the victim.
In Maryland, the limit of property damage liability is $15,000 per accident which is higher as compared to most of the states like Washington.
- Uninsured/Underinsured motorist coverage:
This coverage is for every person in the state who got into an accident where the at-fault driver does not have enough insurance coverage to pay for all your bills.
In Maryland, the limit for uninsured and underinsured motorists is higher as compared to other states.
It is $30,000 per person and $60,000 per accident.
Cheap Minimum Liability Car Insurance Companies in Maryland
Here is the list of best companies that provide the lowest average rates to drivers for state minimum insurance coverage in Maryland:
- State Farm: $64 per month
- Progressive: $82 per month
- Allstate: $96 per month
- Nationwide: $115 per month
- GEICO: $132 per month
Cheap Basic Full Insurance Coverage in Maryland
Here is the list of top insurance companies that provide the lowest average rates to drivers for our unique basic full insurance coverage in MD. It includes collision and comprehensive auto insurance coverage apart from state minimum auto insurance coverage.
- Travelers: $129 per month
- SafeAuto: $142 per month
- Progressive: $167 per month
- Erie: $189 per month
- State Farm: $204 per month
Cheap Premium Full Insurance Coverage in Maryland
Here is the list of top auto insurance carriers that provide the cheapest full coverage in MD. This covers all coverages as defined by state law in full coverage requirements with maximum benefits. Drivers with a clean driving record may consider this option.
- Travelers: $172 per month
- SafeAuto: $184 per month
- Progressive: $206 per month
- Erie: $235 per month
- State Farm: $248 per month
Additional Auto Insurance Coverage in Maryland
The mandatory insurance coverage for all drivers is included in the minimum requirement coverage. However, there are some insurance coverages that are not required but are still necessary to save money. The top seven types of insurance coverages that every driver should think about are as follows:
- Collision Coverage:
Collision insurance covers your vehicle in the event that it collides with another object, living or non-living. If your car collides with a tree, fence, building, or pedestrian, for example. Your insurance company will cover all car repair costs in such cases.
- Comprehensive Coverage:
If your car is ever involved in a natural or man-made disaster, your insurance company will help you. Thunderstorms, fires, floods, and even vandalism are all possibilities. In the event of a disaster, you will be fully covered for all necessary car repairs.
- Roadside Assistance:
What will you do if your car breaks down while travelling on a highway or a deserted road? You can contact your insurance company, and they will send help right away. The insurance company will cover all costs associated with towing and repairing the vehicle.
- Medical/Funeral Services:
This type of insurance is necessary for medical services such as summoning an ambulance or transporting a deceased person. Furthermore, the company will pay for the driver’s funeral and will cover all expenses.
- Loan/Lease Payoff:
When your car is totaled in an accident, this type of insurance coverage is essential. If you still owe money on a loan or lease, your insurance company will assist you in repaying it. The pending loan or lease amount will be paid by the company.
- Rental Car Reimbursement:
This is an optional type that is not overly costly and can cost hundreds of dollars. You can rent another car while your car is being repaired. And the insurance company will cover all of the costs of renting a car.
- Personal Injury Protection (PIP):
This type of coverage is necessary to support you in paying all medical bills for your injuries. Despite the fact that who was at fault in that accident your insurance company will cover your medical bills. This also includes lost wages and household replacement services till the time you are in bed.
Cheap Car Insurance Quotes in Maryland on Ticket Profile
So how does a car insurance company decide the cost of your insurance policy? Have you ever noticed that different drivers get different car insurance rates? Yes, it is highly difficult to find two drivers with the same insurance premium rates and the reason behind this is the Ticket Profile of the driver.
Your insurance company will decide the cost of your policy based on multiple factors like the car model, car type, age of the driver, experience of the driver, etc. As per these factors, the companies create different ticket profiles and categories of drivers. These drivers get their policy rates based on their category. Below is the list of all the different types of car insurance ticket profiles in Maryland:
Cheap Car Insurance for Speeding Drivers in Maryland
In the year 2019; more than 9000 people died in accidents because of speeding vehicles. These drivers are potentially risky for not only the passengers in their vehicle but for other drivers and pedestrians as well. As a result; the drivers with speeding tickets get higher rates. But this cost can vary based on the number of speeding tickets and the points on their license. Here is a list of some companies that you can try to get affordable rates for your profile:
|State Farm||$183 /mo|
Cheap Maryland Car Insurance Rates for Drivers with an At-Fault Accident
In the first quarter of the year 2021 more than eight thousand people have died in road accidents. Every car insurance company considers the drivers with at-fault history as risky and they either deny policy or provide higher car insurance rates. Yes, there is an option of accident forgiveness available but that also depends on the insurance companies.
We have created a list of top car insurance carriers that can provide affordable rates to the drivers that have a history of at-fault accident/s:
Cheapest Car Insurance for Drivers with a DUI in Maryland
Between the year 2009 to 2018 more than 1500 people were killed in road accidents because of alcohol-impaired driving. Every car insurance company considers drivers with even one DUI conviction as risky drivers, as these drivers can be risky for everyone. DUI involves driving under the influence of drugs, alcohol, or any other substance that can affect our brain and its driving ability. Hence these drivers get higher car insurance rates as compared to other drivers.
Check out the list below for the top companies that provide cheap car insurance rates to DUI drivers:
(*USAA only available to current and former military members and their families.)
|State Farm||$204 /mo|
Cheap Car Insurance for Young Drivers in MD
Every year more than 200 people die in road accidents that involve distracted young or teen drivers. As a result; the drivers of this category get the highest insurance rates as compared to all the other ticket profiles. If you are searching for a cheap car insurance policy for young drivers then you can try the below list of companies. These companies provide affordable car insurance policies to teen drivers of Maryland:
Best Auto Insurance for Good Drivers in MD
Do you have a clean driving record? Do you know maintaining a clean record can be very rewarding while buying car insurance? The drivers with zero speeding tickets, no at-fault accidents, and zero DUIs are considered as good drivers. These drivers get lower auto insurance quotes when compared with drivers of other ticket profiles. Good drivers can combine these lower rates with different types of discounts and can reduce the cost to a much higher extent.
We have curated a list of some companies in Maryland that provides lower rates to good drivers:
|State Farm||$82 /mo|
|State Farm||$198 /mo|
(*USAA only available to current and former military members and their families.)
Cheapest Coverage for Drivers with Poor Credit in Maryland
Car insurance companies are not allowed to check the poor credit score of any individual to calculate the policy cost. Still, the companies consider the score indirectly while providing the final quotation to the driver. Drivers with lower credit scores are considered less reliable and less financially responsible to pay the policy premiums on time. As a result; some car insurance carriers even deny providing policy to these drivers. To help you get an affordable policy we have created a list of some companies you can try to get affordable rates:
Which Car Insurance Discounts are available in Maryland?
The easiest way to get affordable car insurance in Maryland is to get as many discounts as possible. Every company provides different types of discounts for car drivers. Here are the four most common discounts you can ask from any car insurance company:
Upfront Payment Discount:
Your insurance company will give you a good discount if you pay your annual premium in advance. Advance payment is preferred by every car insurance company. They reward the driver in order to promote this payment model. As a result, if you are financially capable of paying the annual premium in advance, you will receive a significant discount.
Safety Features Discount:
The driver, passengers, and the vehicle are all safer thanks to the safety features in the cars. As a result, the likelihood of accidents and injuries decreases, resulting in the driver filing fewer claims. You can get this discount if your car has features like automatic seat belts, anti-theft car alarms, and so on.
Multiple Vehicles Discount:
Do you own multiple vehicles and require coverage for all of them? Then your insurance company will try to persuade you to buy a policy from them for all of your vehicles. As a result, they will offer reasonable discounted rates; be sure to haggle as much as possible for this discount.
Multiple Policy Discount:
If you already have a car insurance policy and need additional coverage, you may qualify for this type of discount. It could be homeowner’s insurance, life insurance, or any other type of coverage. Your insurance company will try to persuade you to purchase all of your policies from them. As a result, you will receive substantial discounts.
SR-22 Car Insurance in Maryland State
SR-22 car insurance is not a new term, we all have heard about it somewhere. But we are not much aware of the exact cost of getting SR-22 insurance. The full form of SR-22 is Safety Responsibility-22 car insurance. This is mandatory for every driver whose license is suspended because of any reason. The reason for the license suspension can be too many traffic law violations, speeding tickets, DUIs, at-fault accidents or even driving without car insurance. The process to get SR-22 insurance is neither complex nor much expensive. But the cost of buying SR-22 insurance is highly expensive as these drivers are considered the riskiest.
Moreover; it is important to note that not all insurance companies provide SR-22 insurance. Some car insurance companies deny covering drivers that require SR-22. Hence we have created a list of some leading car insurance companies that can provide you with affordable SR-22 coverage:
|Company||Average Annual Rate||Annual Average Premium with SR-22 and DUI|
Best Cities for Cheap Car Insurance in Maryland
Even though there are a lot of different factors that affect the rate of car insurance in every state, location still plays one of the most important roles. The state, city, and even the area where the driver lives, drives, and even parks the car affects the insurance policy cost. Whenever you apply for car insurance, your company will check the location and then decide the final quotation based on it and other factors.
Our team of expert analysts has created a list that includes some popular Maryland cities and their average car insurance rates. This list will help you to get a better idea of how much is the importance of your city in car insurance rates:
|City||Avg. Annual Premium|
FAQs About Car Insurance In Maryland
What is the average cost of car insurance in Maryland?
The car insurance average rate in Maryland is lower as compared to the national average cost. In Maryland, the average car insurance rate is $1253 per year and $105 per month which is almost 13% lower than the rate of the national average. In states like Pennsylvania, the car insurance rates are higher than the national average cost.
Where to get affordable auto insurance quotes in Maryland?
The car insurance cost for any driver depends on a lot of factors as a result it varies from driver to driver. Below is the list of some popular companies that provide affordable car insurance rates to all the drivers in Maryland:
- Travelers – $156 per month
- Root – $162 per month
- State Farm – $171 per month
- GEICO – $174 per month
- Nationwide – $188 per month
Is PIP mandatory in car insurance Maryland?
Personal injury protection coverage is not required as mandatory with car insurance in Maryland. But every car insurance company is required to offer a minimum of $2500 of PIP coverage while writing an auto insurance policy.
Does insurance follow the car or the driver in Maryland?
A car insurance policy follows the car and not the driver in Maryland. If you have allowed your friend to drive the car and that car is damaged in the accident then also you will get coverage.
What is the punishment for driving without car insurance in Maryland?
Driving without car insurance is a misdemeanor criminal citation in Maryland. The driver will get 5 points on the license, a fine of $1000 and up to 1 year of jail.
Do I have to show proof of insurance to register a car in Maryland?
Yes, you will have to show proof of insurance during the registration process as a mandatory requirement.
What is the grace period of buying Maryland car insurance?
The grace period to insure your car in Maryland is 60 days which is higher than most of the states in our country.
Editorial Guidelines: The above content is meant as general information to help you understand the different aspects of auto insurance. This information does not refer to any specific auto insurance policy. Coverages and other features vary between insurers, vary by state, and are not available in all states. References to costs of coverages/repair, average or typical premiums, amounts of losses, deductibles, etc., are indicative and may not apply to your situation. We encourage you to speak to our insurance representative and to read your policy contract to fully understand your coverages.