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Cheap Car Insurance in Maryland

Finding cheap car insurance in Maryland may not be simple, but it is an essential expense to protect one of your most important assets. This guide will help you navigate the process of finding the cheapest car insurance in Maryland.
cheap-car-insurance-in-maryland
Cheap Car Insurance in Maryland
Finding cheap car insurance in Maryland may not be simple, but it is an essential expense to protect one of your most important assets. This guide will help you navigate the process of finding the cheapest car insurance in Maryland.
In this article

Finding cheap car insurance in Maryland is not simple. But, it is an essential expense for securing one of your most important assets. You cannot curtail that expenditure because the underlying asset is too costly to be left uninsured. And you can also not do without a car nowadays, for reasons such as pollution, traffic, facilities, age, lifestyle, etc.

You can know the insurance costs in your area to be prepared for the premium payments. You can do this by comparing the rates and policies of insurers in Maryland. For residents in specific areas, obtaining auto insurance quotes in Parkville, MD, can provide a clearer picture of potential rates and help in finding the most suitable coverage. Beem will help you compare car insurance rates from different providers to ensure you get the best deal for your needs. Get up to 40% off on your car insurance with Beem. Get up to 40% off on your car insurance with Beem.

 

What is the Cheapest Car Insurance in Maryland?

According to a recent analysis of car insurance in Maryland, the cheapest full-coverage car insurance costs $120 monthly. This comes to $1,442 a year, offered by Penn National in Maryland, also the national average. So, you already know where to get cheap car insurance in Maryland at the very beginning of the blog.

But then, why is the average full coverage car insurance in Maryland found to be $246 per month, approximately $3,000 a year? Also, why are there cheaper options to the tune of $657 a year for minimum coverage, as Geico offers? What are the distinguishing features among the various policy offerings, and how do you choose the right one for yourself? Let’s find out!

How Do We Choose the Cheapest Companies in Maryland?

Factors affecting car insurance in Maryland range from age, marital status, and driving record to mileage and coverage level.

Factors and the extent to which these affect car insurance

Factor Impact
Age 19-year-olds pay 360% more than the 55-year-olds
Marital Status Married drivers pay 4% less than single drivers
Mileage 20k miles per year cost 6% more than 7.5k miles per year
Coverage Full coverage costs 125% more than the minimum coverage
Driving Record Depending on the specific reason, the costs range from 1% (incase of SR-22) to 76% (suspended license)

Here is an at-par comparison of cheap car insurance in Maryland for different Good Driver profiles.

Category All Profile Characteristics Good Driver Profile
Gender Male, Female Male
Age 16, 17, 18, 19, 20, 21, 22, 23, 24, 25, 35, 45, 55, 65 45
Marital Status Single, Married Single
Teenage Driver Included on Policy No, Yes No
Driving Record Clean, One Speeding Ticket, One At-Fault Accident, One DUI, Suspended License, Open Container, Red Light Infraction, Reckless Driving, One Not At-Fault Accident Clean
Miles Driven Per Year 7,500 Miles, 15,000 Miles, 20,000 Miles 15,000 Miles
Coverage Level Minimum, Standard, Full Minimum
Discounts None, Multi-Policy, Homeowner, Student None
Credit Level Poor, Good Good
Filings None, SR22, FR44 None
Car Sedan, Minivan, SUV, Coupe, Truck Sedan
how do we choose the cheapest companies in maryland

Cheap Car Insurance in Maryland

Opting for cheap car insurance in Maryland is not about paying the lowest possible premiums. It is about knowing how these insurance policies are formulated and finding the best fit for your needs. If you’re a veteran or from a family of veterans, you might as well grab a minimum coverage policy from USA at $32 a month. Before jumping to conclusions, let’s first understand the parameters for identifying the auto insurance policy. It will help keep your automobile up and running efficiently throughout its life.

Full coverage auto insurance includes liability insurance along with comprehensive and collision coverage, which pays for damage to your own vehicle. You already know about cheap car insurance in Maryland with full coverage. But these do not stay constant throughout the car’s life. These vary depending upon the occurrences of accidents the tickets raised on the vehicle, and even the reasons for those tickets. For example, Geico offers cheap car insurance in Maryland for drivers with poor credit ratings. It needs to be noted that Maryland drivers pay, on average, 65% more for having a poor credit rating. Poor credit has nothing to do with driver safety. But, it has been found that they tend to file more claims.

Cheap car insurance in Maryland for drivers with poor credit

Company Monthly Premium (in $)
Geico 165
Progressive 196
State Farm 238
Travelers 251
Erie 300
Allstate 301
Nationwide 319

Then some drivers have been given a ticket for driving under the influence (DUI). After a DUI citation, the premiums increase by up to 67%.

Cheap car insurance in Maryland after DUI

Company Monthly Premium (in $)
Erie 151
Geico 165
Progressive 177
Travelers 200
Allstate 226

Drivers who have been met with an at-fault accident are categorized for unsafe driving, ramping up the insurance expense for them. Auto insurance with Beem covers damage to your vehicle and other passengers’ vehicles with the best deals, including up to 40% off on your coverage.

Best cheap car insurance in Maryland after an accident

Company Monthly Premium (in $)
State Farm 136
Travelers 190
Erie 191
Progressive 199
Geico 201

A speeding ticket does not increase the insurance by much (merely 10%. it certainly is an indication of the driver being irresponsible and non-compliant with road rules.

Cheapest car insurance quotes after a speeding ticket

Company Monthly Premium (in $)
State Farm 120
Geico 149
Erie 151
Progressive 163
Travelers 171

Maryland Rates for Teen Drivers

The insurance rates also vary for teenagers depending on various factors, like accidents and speeding tickets. But generally, the best rates for teenage drivers in Maryland are still higher than the adult drivers.

Cheapest car insurance for young drivers in Maryland (in $ per month)

Company Liability only Full Coverage
Erie 155 310
State Farm 183 344
Geico 193 441
Travelers 196 357
Progressive 201 378

Insurance rates also vary across genders for teens (in $ annually)

Company Female Male
Erie 2,924 3,980
Nationwide 5,388 7,033
Progressive 5,655 6,234
State Farm 4,459 5,611
Travelers 4,019 4,951
USAA 2,595 3,059
State-wide Average 4,174 5,145

Cheapest for 20-year-old Drivers

Car insurance is mandatory in almost every state, including Maryland. If you choose the legal minimum coverage level in Maryland, expect to pay an average of $655 annually. This expenditure is more expensive than the nationwide average by 22%.

Progressive has the cheapest minimum coverage auto policies in Maryland at $620 per year, followed by Nationwide at $704 per year. Costing an average of $1,360 per year.

Cheapest full coverage car insurance in Maryland for 20-year-olds

A full coverage policy, including comprehensive and collision damage, is needed to cover damage to your vehicle.

Company Annual Premium Monthly Premium
Progressive $1,328 $111
Nationwide $1,309 $109
Travelers $1,590 $133
GEICO $1,589 $132
Kemper $1,960 $163
State Farm $2,020 $168
Erie $1,807 $151
Allstate $2,052 $171

Cheapest minimum coverage car insurance in Maryland for 20-year-olds

The scope of a minimum coverage policy is only to cover damage and injury caused to others.

Company Annual Premium Monthly Premium
Progressive $647 $54
Nationwide $856 $71
Travelers $885 $74
GEICO $947 $79
Kemper $955 $80
State Farm $1,014 $84
Erie $1,033 $86
Allstate $1,321 $110

Cheapest auto insurance in Maryland for 20-year-olds with poor credit

In Maryland, the following companies offer the lowest auto insurance rates for drivers with poor credit scores (below 580):

  • Nationwide: $1,350 per year
  • Progressive: $1,498 per year

On average, State Farm offers the highest car insurance rates for drivers with poor credit at $3,414 a year. Full coverage car insurance in Maryland for drivers with poor credit costs an average of $950 more than for drivers with good credit scores (above 750).

Company Annual Premium Monthly Premium
Nationwide $1,812 $151
Progressive $1,851 $154
GEICO $2,656 $221
Allstate $2,695 $225
Travelers $3,021 $252
Kemper $3,092 $258
Erie $4,161 $347
State Farm $4,310 $359

Cheapest auto insurance in Maryland for 20-year-olds with one speeding ticket

Company Annual Premium Monthly Premium
Progressive $1,564 $130
Nationwide $1,803 $150
GEICO $1,855 $155
Travelers $2,065 $172
Erie $2,089 $174
State Farm $2,219 $185
Allstate $2,356 $196
Kemper $2,739 $228

Cheapest auto insurance in Maryland for 20-year-olds with one at-fault crash

You can find affordable full coverage car insurance from these companies in Maryland if you are at fault in an accident:

  • Progressive: $1,638 per year
  • Nationwide: $1,713 per year

With an annual premium of approximately $3,301, Kemper is the most expensive auto insurance company in Maryland for drivers who are at fault for accidents. Getting into a car accident in Maryland and being at fault can result in an increase of $715 in your annual premium.

Company Annual Premium Monthly Premium
Progressive $1,926 $161
Travelers $2,157 $180
Nationwide $2,222 $185
GEICO $2,311 $193
State Farm $2,516 $210
Erie $2,640 $220
Allstate $2,916 $243
Kemper $3,980 $332

Cheapest auto insurance in Maryland for 20-year-olds after a DUI

Company Annual Premium Monthly Premium
Progressive $1,702 $142
Erie $2,089 $174
Allstate $2,111 $176
GEICO $2,165 $180
State Farm $2,219 $185
Travelers $2,399 $200
Nationwide $2,653 $221
Kemper $5,380 $448

Cheapest for 30-year-old drivers

Based on several factors ranging from your driving history, the type of vehicle you drive, your location within Maryland, coverage options, and more insurance rates can vary widely, including. Insurance companies typically determine insurance rates based on their own underwriting criteria.

Cheapest full coverage car insurance in Maryland for 30-year-olds

Company Annual Premium Monthly Premium
Nationwide $1,088 $91
GEICO $1,211 $101
Progressive $1,294 $108
Travelers $1,335 $111
Erie $1,369 $114
State Farm $1,614 $134
Kemper $1,677 $140
Allstate $2,040 $170

Cheapest minimum coverage car insurance in Maryland for 30-year-olds

Company Annual Premium Monthly Premium
Progressive $620 $52
Nationwide $704 $59
GEICO $725 $60
Travelers $765 $64
Erie $788 $66
State Farm $851 $71
Kemper $904 $75
Allstate $1,360 $113

Cheapest auto insurance in Maryland for 30-year-olds with poor credit

Company Annual Premium Monthly Premium
Nationwide $1,350 $113
Progressive $1,498 $125
GEICO $1,920 $160
Allstate $2,604 $217
Travelers $2,615 $218
Kemper $2,642 $220
Erie $3,187 $266
State Farm $3,414 $284

Cheapest auto insurance in Maryland for 30-year-olds with one speeding ticket

Company Annual Premium Monthly Premium
Progressive $1,316 $110
Nationwide $1,385 $115
GEICO $1,413 $118
Erie $1,577 $131
State Farm $1,768 $147
Travelers $1,931 $161
Allstate $2,276 $190
Kemper $2,303 $192

Cheapest auto insurance in Maryland for 30-year-olds with one at-fault crash

Company Annual Premium Monthly Premium
Progressive $1,638 $137
Nationwide $1,713 $143
GEICO $1,893 $158
Erie $1,980 $165
State Farm $2,000 $167
Travelers $2,017 $168
Allstate $2,811 $234
Kemper $3,301 $275

Cheapest auto insurance in Maryland for 30-year-olds after a DUI

Company Annual Premium Monthly Premium
Progressive $1,453 $121
GEICO $1,566 $131
Erie $1,577 $131
State Farm $1,768 $147
Allstate $2,047 $171
Nationwide $2,099 $175
Travelers $2,243 $187
Kemper $4,491 $374

Cheapest for 40-year-old drivers

While searching for the cheapest car insurance, consider both cost and coverage quality to ensure you have adequate protection. Insurance companies may offer various discounts and coverage options. So, finding a balance that suits your budget and needs is crucial.

Cheapest full coverage car insurance in Maryland for 40-year-olds

The insurance rates for full coverage remain consistent for drivers aged 30 to 60 years.

Company Annual Premium Monthly Premium
Nationwide $1,088 $91
GEICO $1,211 $101
Progressive $1,294 $108
Travelers $1,335 $111
Erie $1,369 $114
State Farm $1,614 $134
Kemper $1,677 $140
Allstate $2,040 $170

Cheapest minimum coverage car insurance in Maryland for 40-year-olds

Company Annual Premium Monthly Premium
Progressive $620 $52
Nationwide $704 $59
GEICO $725 $60
Travelers $765 $64
Erie $788 $66
State Farm $851 $71
Kemper $904 $75
Allstate $1,360 $113

Cheapest auto insurance in Maryland for 40-year-olds with poor credit

The insurance rates for full coverage remain consistent for drivers with poor credit aged 30 to 60 years.

Company Annual Premium Monthly Premium
Nationwide $1,350 $113
Progressive $1,498 $125
GEICO $1,920 $160
Allstate $2,604 $217
Travelers $2,615 $218
Kemper $2,642 $220
Erie $3,187 $266
State Farm $3,414 $284

Cheapest auto insurance in Maryland for 40-year-olds with one speeding ticket

The insurance rates for full coverage remain consistent for drivers with one speeding ticket aged 30 to 60 years.

Company Annual Premium Monthly Premium
Progressive $1,316 $110
Nationwide $1,385 $115
GEICO $1,413 $118
Erie $1,577 $131
State Farm $1,768 $147
Travelers $1,931 $161
Allstate $2,276 $190
Kemper $2,303 $192

Cheapest auto insurance in Maryland for 40-year-olds with one at-fault crash

The insurance rates for full coverage remain consistent for drivers with one at-fault crash aged 30 to 60 years.

Company Annual Premium Monthly Premium
Progressive $1,638 $137
Nationwide $1,713 $143
GEICO $1,893 $158
Erie $1,980 $165
State Farm $2,000 $167
Travelers $2,017 $168
Allstate $2,811 $234
Kemper $3,301 $275

Cheapest auto insurance in Maryland for 40-year-olds after a DUI

The insurance rates for full coverage remain consistent for drivers after a DUI aged 30 to 60 years.

Company Annual Premium Monthly Premium
Progressive $1,453 $121
GEICO $1,566 $131
Erie $1,577 $131
State Farm $1,768 $147
Allstate $2,047 $171
Nationwide $2,099 $175
Travelers $2,243 $187
Kemper $4,491 $374

Cheapest for 50-year-old drivers

For drivers aged 50 years, it is advisable to work with an independent insurance agent is often beneficial. They are positioned to provide expert advice on finding the most suitable policy.

Cheapest full coverage car insurance in Maryland for 50-year-olds

The insurance rates for full coverage remain consistent for drivers aged 30 to 60 years.

Company Annual Premium Monthly Premium
Nationwide $1,088 $91
GEICO $1,211 $101
Progressive $1,294 $108
Travelers $1,335 $111
Erie $1,369 $114
State Farm $1,614 $134
Kemper $1,677 $140
Allstate $2,040 $170

Cheapest minimum coverage car insurance in Maryland for 50-year-olds

Company Annual Premium Monthly Premium
Progressive $620 $52
Nationwide $704 $59
GEICO $725 $60
Travelers $765 $64
Erie $788 $66
State Farm $851 $71
Kemper $904 $75
Allstate $1,360 $113

Cheapest auto insurance in Maryland for 50-year-olds with poor credit

The insurance rates for full coverage remain consistent for drivers with poor credit aged 30 to 60 years.

Company Annual Premium Monthly Premium
Nationwide $1,350 $113
Progressive $1,498 $125
GEICO $1,920 $160
Allstate $2,604 $217
Travelers $2,615 $218
Kemper $2,642 $220
Erie $3,187 $266
State Farm $3,414 $284

Cheapest auto insurance in Maryland for 50-year-olds with one speeding ticket

The insurance rates for full coverage remain consistent for drivers with one speeding ticket aged 30 to 60 years.

Company Annual Premium Monthly Premium
Progressive $1,316 $110
Nationwide $1,385 $115
GEICO $1,413 $118
Erie $1,577 $131
State Farm $1,768 $147
Travelers $1,931 $161
Allstate $2,276 $190
Kemper $2,303 $192

Cheapest auto insurance in Maryland for 50-year-olds with one at-fault crash

The insurance rates for full coverage remain consistent for drivers with one at-fault crash aged 30 to 60 years.

Company Annual Premium Monthly Premium
Progressive $1,638 $137
Nationwide $1,713 $143
GEICO $1,893 $158
Erie $1,980 $165
State Farm $2,000 $167
Travelers $2,017 $168
Allstate $2,811 $234
Kemper $3,301 $275

Cheapest auto insurance in Maryland for 50-year-olds after a DUI

The insurance rates for full coverage remain consistent for drivers after a DUI aged 30 to 60 years.

Company Annual Premium Monthly Premium
Progressive $1,453 $121
GEICO $1,566 $131
Erie $1,577 $131
State Farm $1,768 $147
Allstate $2,047 $171
Nationwide $2,099 $175
Travelers $2,243 $187
Kemper $4,491 $374
cheapest auto insurance in maryland for 50-year-olds after a dui

Cheapest for 60-year-old drivers

With drivers older than 60 years, the risk of accidents and/or unsafe driving tends to increase. This is also reflected in the insurance premium charged by such drivers. This is not to say that these drivers are inherently risky. However, the natural diminish in reflexes and health conditions are the assumptions for greater premiums.

Cheapest full coverage car insurance in Maryland for 60-year-olds

Company Annual Premium Monthly Premium
Progressive $1,165 $97
Nationwide $1,213 $101
GEICO $1,255 $105
Erie $1,397 $116
State Farm $1,675 $140
Travelers $1,764 $147
Kemper $2,053 $171
Allstate $2,270 $189

Cheapest minimum coverage car insurance in Maryland for 60-year-olds

Company Annual Premium Monthly Premium
Progressive $611 $51
GEICO $761 $63
Erie $803 $67
Nationwide $816 $68
State Farm $901 $75
Travelers $1,047 $87
Kemper $1,160 $97
Allstate $1,547 $129

Cheapest auto insurance in Maryland for 60-year-olds with poor credit

Owing to old age and the assumption that many people do not have adequate savings for retirement, the ones with poor credit ratings after the age of 60 are at high risk for insurers.

Company Annual Premium Monthly Premium
Nationwide $1,510 $126
Progressive $1,600 $133
GEICO $1,989 $166
Allstate $3,007 $251
Kemper $3,246 $270
Erie $3,248 $271
Travelers $3,444 $287
State Farm $3,550 $296

Cheapest auto insurance in Maryland for 60-year-olds with one speeding ticket

Company Annual Premium Monthly Premium
GEICO $1,463 $122
Progressive $1,471 $123
Nationwide $1,525 $127
Erie $1,608 $134
State Farm $1,840 $153
Allstate $2,635 $220
Travelers $2,682 $224
Kemper $2,893 $241

Cheapest auto insurance in Maryland for 60-year-olds with one at-fault crash

Company Annual Premium Monthly Premium
Progressive $1,840 $153
Nationwide $1,883 $157
GEICO $2,004 $167
Erie $2,036 $170
State Farm $2,087 $174
Travelers $2,819 $235
Allstate $3,331 $278
Kemper $4,253 $354

Cheapest auto insurance in Maryland for 60-year-olds after a DUI

Company Annual Premium Monthly Premium
Erie $1,608 $134
Progressive $1,619 $135
GEICO $1,623 $135
State Farm $1,840 $153
Nationwide $2,268 $189
Allstate $2,342 $195
Travelers $3,159 $263
Kemper $5,665 $472

Cheapest for 70-year-old drivers

With drivers older than 70 years, the risk of accidents and/or unsafe driving tends to increase.

Cheapest full coverage car insurance in Maryland for 70-year-olds

Company Annual Premium Monthly Premium
Progressive $1,165 $97
Nationwide $1,213 $101
GEICO $1,255 $105
Erie $1,397 $116
State Farm $1,675 $140
Travelers $1,764 $147
Kemper $2,053 $171
Allstate $2,270 $189

Cheapest minimum coverage car insurance in Maryland for 70-year-olds

Company Annual Premium Monthly Premium
Progressive $611 $51
GEICO $761 $63
Erie $803 $67
Nationwide $816 $68
State Farm $901 $75
Travelers $1,047 $87
Kemper $1,160 $97
Allstate $1,547 $129

Cheapest auto insurance in Maryland for 70-year-olds with poor credit

Company Annual Premium Monthly Premium
Nationwide $1,510 $126
Progressive $1,600 $133
GEICO $1,989 $166
Allstate $3,007 $251
Kemper $3,246 $270
Erie $3,248 $271
Travelers $3,444 $287
State Farm $3,550 $296

Cheapest auto insurance in Maryland for 70-year-olds with one speeding ticket

Company Annual Premium Monthly Premium
GEICO $1,463 $122
Progressive $1,471 $123
Nationwide $1,525 $127
Erie $1,608 $134
State Farm $1,840 $153
Allstate $2,635 $220
Travelers $2,682 $224
Kemper $2,893 $241

Cheapest auto insurance in Maryland for 70-year-olds with one at-fault crash

Company Annual Premium Monthly Premium
Progressive $1,840 $153
Nationwide $1,883 $157
GEICO $2,004 $167
Erie $2,036 $170
State Farm $2,087 $174
Travelers $2,819 $235
Allstate $3,331 $278
Kemper $4,253 $354

Cheapest auto insurance in Maryland for 70-year-olds after a DUI

Company Annual Premium Monthly Premium
Erie $1,608 $134
Progressive $1,619 $135
GEICO $1,623 $135
State Farm $1,840 $153
Nationwide $2,268 $189
Allstate $2,342 $195
Travelers $3,159 $263
Kemper $5,665 $472

How Much Is Full Coverage Car Insurance in Maryland?

Finding an affordable car insurance policy in Maryland isn’t hard. It is only about 10% more than the average full coverage policy national average. The average auto insurance cost in Maryland is about $1,850 for a full coverage policy annually, which is about $155 a month.

Average Annual Car Insurance Rates in Maryland by Company

Company Average Rate
Erie Insurance Group $1,419
Nationwide $1,532
Progressive $1,660
State Farm $1,603
Travelers $1,218
USAA $768
State-wide Average $1,367

How Much Is Liability-Only Coverage Car Insurance in Maryland?

It varies between 20-30, 30-60, and beyond 60 ages.

For 20-30-year-olds

Company Annual Premium Monthly Premium
Progressive $647 $54
Nationwide $856 $71
Travelers $885 $74
GEICO $947 $79
Kemper $955 $80
State Farm $1,014 $84
Erie $1,033 $86
Allstate $1,321 $110

For 30-60-year-olds

Company Annual Premium Monthly Premium
Progressive $620 $52
Nationwide $704 $59
GEICO $725 $60
Travelers $765 $64
Erie $788 $66
State Farm $851 $71
Kemper $904 $75
Allstate $1,360 $113

Beyond 60 years old

Company Annual Premium Monthly Premium
Progressive $611 $51
GEICO $761 $63
Erie $803 $67
Nationwide $816 $68
State Farm $901 $75
Travelers $1,047 $87
Kemper $1,160 $97
Allstate $1,547 $129

Minimum Car Insurance Requirements in Maryland

In Maryland, drivers are required to carry liability, uninsured and underinsured motorist coverage, and PIP at or above the minimum levels.

Optional coverage in Maryland varies by carrier:

  • Comprehensive
  • Collision
  • Loan/Lease Payoff
  • Rental Car Reimbursement
  • Roadside Assistance

If you opt for better coverage, you can choose a policy with comprehensive and collision. It will protect against the costs of car accidents, theft, vandalism, or weather incidents. But better coverage comes with a cost. In Maryland, a comprehensive insurance policy with a $1,000 deductible costs $1,199, 83% more than liability-only car insurance. For a comprehensive policy with a $500 deductible, expect to pay 111% more than you would for basic coverage.

Tips for How to Get Cheap Car Insurance in Maryland

Getting cheap car insurance in Maryland requires careful consideration of several factors and strategies to help reduce your premiums while maintaining adequate coverage.

  • Shop Around
  • Maintain a Clean Driving Record
  • Choose the Right Coverage
  • Bundle Your Policies
  • Maintain Good Credit
  • Ask About Discounts
  • Raise Your Deductibles
  • Install Safety Features
  • Take Defensive Driving Courses
  • Maintain Continuous Coverage
  • Review Your Policy Annually
  • Consider Group Insurance
  • Ask an Independent Agent
tips for how to get cheap car insurance in maryland

No-Fault Insurance in Maryland

Maryland is not a “no-fault” insurance state. Instead, Maryland follows a traditional fault-based system for auto insurance. In a fault-based system, the driver who is found to be at fault for an accident is responsible for covering the costs associated with the accident. It includes property damage, medical expenses, and other damages.

The minimum uninsured motorist coverage required in Maryland is typically equal to the minimum liability coverage limits, which are 30/60/15:

  • $30,000 bodily injury coverage per person.
  • $60,000 bodily injury coverage per accident for all persons injured.
  • $15,000 property damage coverage per accident.

A full coverage policy in Maryland will have higher liability coverage than mentioned above. It is about $2,500 more than in personal injury protection (PIP). A few additional optional coverages include collision coverage, medical payments coverage (MedPay), and guaranteed asset protection (GAP) coverage.

Conclusion

By implementing the abovementioned strategies and being proactive in managing your insurance, you can increase your chances of finding cheap car insurance in Maryland without sacrificing essential coverage. Increase your chances of saving more on your car insurance with Beem which provides up to 40% on your coverage.

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Frequently Asked Questions

Is car insurance required in Maryland?

Yes, car insurance is required in Maryland.

Which cars are required to be insured in Maryland?

In Maryland, all motor vehicles registered and operated on public roads must be insured.

When should I get car insurance in Maryland?

In Maryland, you should obtain car insurance before registering your vehicle and operating it on public roads.

How much car insurance do I need in Maryland?

Maryland law mandates that all drivers have a minimum liability insurance coverage to legally operate a motor vehicle on the state's roads.

What happens if my car is not properly insured in Maryland?

It's important to note that failing to maintain the required insurance coverage in Maryland can result in penalties. It could include fines, license suspension, and vehicle registration suspension. Additionally, driving without insurance can leave you financially responsible for any damages or injuries you may cause in an accident.

Is Maryland a no-fault state?

Maryland is not a "no-fault" insurance state.

Do I need uninsured motorist coverage in Maryland?

Yes, uninsured motorist coverage (UM) is required in Maryland unless you explicitly reject it in writing.

Is liability insurance required in Maryland?

Yes, liability insurance is required in Maryland for all motor vehicle owners.

Does Maryland accept digital insurance cards?

Maryland law allows for electronic proof of insurance, commonly called digital insurance cards, to provide evidence of insurance coverage.

Is insurance expensive in Maryland?

Maryland drivers generally pay 10% more per year than the national average for full coverage car insurance.

Q. What's the average cost of car insurance in Maryland?

The average full-coverage car insurance in Maryland was found to be $246 per month.

Q. How much is car insurance in my city in Maryland?

City Premium Increase vs. Cheapest City
Cumberland $1,301 0.00%
Hagerstown $1,386 6.50%
Salisbury $1,459 12.10%
Frederick $1,475 13.40%
Westminster $1,573 20.90%
Bel Air North $1,742 33.90%
Elkton $1,769 36.00%
Annapolis $1,784 37.10%
Lake Shore $1,793 37.80%
Bethesda $1,797 38.10%
Rockville $1,835 41.00%
Germantown $1,851 42.30%
Gaithersburg $1,872 43.90%
Potomac $1,876 44.20%
Columbia $1,950 49.90%
Waldorf $1,985 52.60%
Ellicott City $2,084 60.20%
Glen Burnie $2,136 64.20%
Silver Spring $2,137 64.30%
Bowie $2,166 66.50%
Laurel $2,182 67.70%
Largo $2,265 74.10%
Catonsville $2,406 84.90%
Fort Washington $2,411 85.30%
Parkville $2,412 85.40%
Dundalk $2,479 90.50%
Owings Mills $2,502 92.30%
Langley Park $2,610 100.60%
Gwynn Oak $3,048 134.30%
Baltimore $3,465 166.30%
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Picture of Aniket Kulkarni

Aniket Kulkarni

A seasoned Product Manager specializing in car insurance content, Aniket has a passion for simplifying complex insurance concepts. His strategic approach to content development reflects years of experience in the product development industry, coupled with a commitment to providing accurate, reliable information.

Editor

This page is purely informational. Beem does not provide financial, legal or accounting advice. This article has been prepared for informational purposes only. It is not intended to provide financial, legal or accounting advice and should not be relied on for the same. Please consult your own financial, legal and accounting advisors before engaging in any transactions.

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