Nicknamed “Little America” for its diverse terrains, Maryland provides visitors and residents with some of the most varied geographies the U.S. has to offer. From the abundant dune-lined coast of the Chesapeake Bay to the hills of Appalachia, to the forests and farms, The Old Line State is much more than just crabcakes and Utz pretzels (although those are pretty great too).
There are almost two million vehicles on the 70,000 miles of roadways of Maryland. With all those cars, it’s essential to have an auto insurance policy that best fits you and your lifestyle. Where do you even begin when it comes to researching car insurance companies? With every insurance company claiming to be the most reliable or the cheapest, how do you mute out the noise and decide on the right fit for you? It all starts with the right tool.
Compare the cheapest and best quotes in the Old Line State here.
Cheapest Car Insurance Quotes in Maryland
Here are the cheapest auto insurance companies in Maryland for the following user profile: a single, 30-year-old male with a clean driving record who drives a 2012 Honda Accord and pays a $1,000 deductible for the state’s minimum liability insurance. We averaged rates the twenty most populous cities in Maryland to calculate the cheapest rates in Maryland.
Best Car Insurance Companies in Maryland
Since every company claims to be the best, how are you supposed to know which provider is truly on top?
The Insurify Composite Score is calculated by analyzing multiple factors that indicate the quality, reliability, and health of an insurance company. Inputs to the score include financial strength ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings; Consumer Reports customer satisfaction surveys; mobile app reviews; and user-generated company reviews. The following are the top-rated companies that offer car insurance in Maryland. For the complete list, see Insurify’s best car insurance companies.
Most Popular Car Insurance Companies in Maryland
The American car insurance market is lead by a few key players. According to the Insurance Information Institute (III), these are the most popular car insurance companies in Maryland by market share:
- State Farm
Cheapest Car Insurance Quotes in Maryland by City
Auto insurance costs may vary greatly between locations and insurance companies, even if the two cities are just a few miles apart. Just because one company offers the best rates in Baltimore may not mean the same in Silver Spring.
Insurify analyzed the latest data for five of the most populous cities in Maryland to find you the cheapest quotes in each of these metropolitan areas.
City Insurance Company Quote
Baltimore Travelers $185/month
Columbia State Farm $87/month
Germantown State Farm $96/month
Silver Spring State Farm $120/month
Frederick State Farm $69/month
Cheapest Car Insurance Quotes in Maryland by Profile
Here are the cheapest insurance companies in Maryland based on averaged sample rates for four driver profiles that included varied gender, age, driving history, credit, marital status, prior insurance, higher education, employment, and military service.
USAA will almost always offer Maryland residents the cheapest auto insurance options but is only available to retired or current personnel of the U.S. military and their family members
Cheap Car Insurance for Good Drivers
For Maryland drivers with a clean record free of any moving violations, auto insurance rates may be significantly lower. State Farm offers the best options for good drivers in Maryland, at $69 a month. With both cheaper premiums and safe driving discounts, it can really pay to have a record free of accidents or traffic tickets.
Cheap Car Insurance for High-Risk Drivers
High-risk drivers in Maryland, including those with one or more traffic violations, may have to pay more for their car insurance premiums. High-risk drivers tend to have higher monthly premiums than the national average. Erie offers the best deal for drivers with a DUI or speeding tickets at $54/month. For drivers with at-fault accidents on their driving record, USAA provides the best option at $67/month.
Cheap Car Insurance for Drivers with DUI in Maryland
Everybody makes mistakes and has to deal with the fallout. The fallout for a DUI is rough: court fines, reinstatement fees, SR-22 filing, and years of paying more for car insurance, to name only a few. Finding affordable rates on car insurance with a DUI is no small feat. If you find yourself really struggling to get an affordable rate, consider only carrying liability coverage as a way to save.
Here are the best rates we could find for Maryland drivers with a DUI:
Cheap Car Insurance for Drivers with an At-Fault Accident in Maryland
The sinking feeling after realizing you’ve caused an accident is no exaggeration. Even a tiny fender bender can raise rates to levels that significantly alter your budget. If you’ve paid for accident forgiveness, you may have caught a break. If not: discounts, discounts, discounts.
And comparison shopping at least every time your policy is up for renewal: insurance companies look at different time windows for driving history. For example, one company might look at the last five years while another looks at the last three.
Here are the best rates we could find for drivers with one at-fault accident:
Cheap Car Insurance for Speeding Drivers in Maryland
The need for speed can soon turn into the need for a new budget. Speeding tickets can affect people differently. But essentially, the more often you speed—and the higher your mph—the more points you’ll receive on your driver’s license. Higher points mean higher prices in the car insurance game.
The best way to lower costs? Slow down and find a discount program, like a defensive driving course reduction.
Cheap Car Insurance for Young Drivers
If you’re under 40 years old in the state of Maryland, you will likely pay more for auto insurance coverage than the average driver. Inexperienced drivers often pose a higher risk for insurance providers, so their rates are often increased accordingly. GEICO Insurance offers the cheapest car insurance rates for young drivers, averaging $49/month. New drivers must abide by special driving restrictions, including curfews, electronic device limitations, and passenger age restrictions. Be sure to familiarize yourself with these rules before hitting the road.
Insurance Company Quotes
Insurance policies for 21-year-olds generally run higher than the national average by a significant margin. Even though they’re no longer considered teen-drivers, 21-year-olds are still regarded as high-risk to insurers. To find the cheapest car insurance for 21-year-olds, use a car insurance quotes comparison site like Insurify.
Cheap Car Insurance for Foreign Drivers
To legally drive in Maryland as a non-U.S. citizen, you’ll need to make sure you have a few necessary items.
First and foremost, foreign drivers must hold a valid driver’s license from their home country. You’ll also need an International Driving Permit, or IDP. An IDP is not a driver’s license, but simply a translation of your permission to drive in your home country. Both forms of documentation must be present to prove your permission to drive in the United States. IDPs must be obtained in your home country.
In addition to a driver’s license, foreign drivers must purchase car insurance before driving in Maryland. For long-term driving in the United States, it will be necessary to purchase traditional car insurance. For the cheapest car insurance options that are personalized to you, use Insurify to compare quotes.
Car Insurance for Drivers with Poor Credit
Unfortunately, it can be challenging to find cheap car insurance in Maryland if you have a poor credit score.
Maryland car insurers are permitted to use credit score as a factor when calculating the risk of any given policyholder, meaning they can increase your insurance rates if you have bad credit.
Insurers have found that drivers with poor credit histories are more likely to file auto insurance claims, thus increasing insurance premiums for bad credit drivers to account for the increased risk. Car insurance premiums fluctuate based on many factors, not just credit score, based on where you live in Maryland. Good credit can save you a whole lot of cash in the long run.
Car Insurance Coverage for Undocumented Immigrants in Maryland
Maryland is home to over 50,000 undocumented immigrants. Unfortunately, the state of Maryland will not issue a driver’s license to an individual without proper documentation. Without a driver’s license, you cannot purchase car insurance. Most will have to find an insurance company that will allow them to enroll without one, which will likely result in significantly higher premiums.
Maryland Auto Insurance Laws
State Minimum Car Insurance Coverage in Maryland
All motor vehicles operated or parked on Maryland roadways are required to be insured. Proof of insurance must be carried in your car at all times and must available when:
- Requested by law enforcement
- Renewing vehicle registration
- The vehicle is involved in a car accident
The minimum liability car insurance requirements for private passenger vehicles in Maryland are as follows:
- $30,000 per person/$60,000 per accident for Bodily Injury (BI)
Bodily injury liability coverage protects drivers if their car is involved in an accident that harms another individual. The minimum limits required by Maryland state law are $30,000 for the death or injury of a single victim as a result of a car accident and $60,000 for the deaths or injuries of multiple victims. Insurance companies list this type of coverage as 30/60, referring to the dollar limitations of each minimum. If you’re in an accident, liability coverage will cover the cost of a legal proceeding as a result of a crash. Bodily injury coverage is part of the minimum coverage required by Maryland law.
- $15,000/accident for Property Damage (PD)
The state minimum amount of property damage liability coverage required in the state of Maryland is $15,000. If an insured driver is determined to be at fault and held liable in a motor vehicle accident, this coverage pays for damage repair to another individual’s property. Property damage coverage will also pay for legal costs if an insured driver is involved in a lawsuit following an accident.
Uninsured and underinsured motorist coverage is required in Maryland. This coverage protects drivers who might incur damages from an accident caused by an uninsured or underinsured driver. If involved in an accident with an individual without sufficient coverage, insured drivers will still be covered. In Maryland, the legally required level of Uninsured Motorist coverage is:
- $30,000 per person/$60,000 per accident for Bodily Injury
- $15,000 per accident for Property Damage
Uninsured/underinsured motorist coverage is recommended in the state of Maryland through the forms of:
Personal Injury Protection (PIP) coverage is also required in Maryland. PIP can help cover medical costs after an accident for you and your passengers, regardless of fault. $2,500 is the minimum coverage required by Maryland law.
Optional Supplemental Coverage
Comprehensive coverage and collision coverage pay for repairs to your car when it’s involved in an accident or stolen. Comprehensive coverage and collision coverage are two of the three basics that make up what’s commonly called a “full coverage” auto policy (liability, collision, and comprehensive). Coverage limits will differ from policy to policy.
Comprehensive insurance coverage covers “Acts of God” and things out of a person’s control, like fire or flood, but does not cover medical expenses/auto damage due to a collision.
Collision insurance coverage covers damage to objects (not animals or people) and vehicles as a result of a collision regardless of fault, including hit-and-run accidents, but doesn’t cover damage due to “Acts of God.”
Work Loss Coverage provides individuals and families funding if they are unable to work after an accident due to injury. Work Loss Coverage may be used in conjunction with Short Term Disability coverage.
Accidental Death Benefits provide monetary compensation to the family of a deceased driver or passenger due to a car accident, up to $25,000.
Funeral Benefits can be used to reimburse a family for funeral service costs up to $25,000.
Am I liable if I cause a car accident in Maryland?
Maryland abides by an “at-fault” auto insurance system, meaning injured drivers can file a claim with the at-fault driver’s insurance company or their own.
The at-fault driver will be responsible for financial harm, which their insurance company usually covers, up to their predetermined policy limits.
AAA Car Insurance and Roadside Assistance In Maryland
Locked your keys in the car? Battery dead? Flat tire? If you’ve ever found yourself in this situation, you’ve probably relied on AAA, the American Automobile Association (AAA) for roadside assistance. But did you know that AAA also offers automobile insurance for Maryland drivers?
Divided into regional clubs, AAA insurance and roadside assistance operates throughout Maryland. To find out which independent agents operate AAA insurance in your region, visit AAA’s website and search using your ZIP code.
Distracted Driving in Maryland
Drivers are banned from using handheld devices while operating motor vehicles throughout Maryland.
The first offense for distracted driving will result in a $40 fine. Subsequent offenses will cost $100. The Maryland law is a secondary offense, resulting in a civil penalty. Writing, sending, and reading messages on a phone count as “distracted driving” in Maryland. Drivers are allowed to operate GPS systems.
SR-22 Insurance in Maryland
If your license has been suspended or revoked, these car insurance companies will file an SR-22 with the state of Maryland on your behalf. Maryland‘s state licensing authority will inform drivers if they require SR-22 insurance. If you’ve been convicted of a DUI, DWI, moving violation, or other serious offense, you may be required to file for an SR-22.
In Maryland, many insurance companies offer to file an SR-22 on your behalf, including Ameriprise, Brethren Mutual, Cumberland, Dairyland, Elephant, Esurance, Farmers, Foremost, GEICO, Good2Go, Hallmark, National General, Progressive, Safeco, The General, Titan, and Victoria.
Maryland Auto Insurance FAQs
How do I file a claim after a car accident in Maryland?
There’s enough to worry about after a car accident, filing an insurance claim should not be one of them. If you’re ever involved in an accident, first call the police. Having an officer on the scene will ensure a valuable set of eyes sees damage first hand. Seek immediate medical treatment if necessary and exchange contact information with the other driver or drivers involved. Make sure to take photos of the damage to your car and other vehicles involved in the accident. Next, to file an insurance claim, call your provider to inform them you’ve been in an accident. An agent will walk you through your coverage and what steps to take to get yourself back on the road.
What happens if I get caught driving uninsured in Maryland?
You should never drive a vehicle if you’re uninsured. Serious penalties may occur if you’re caught or involved in an accident without insurance. Driving without liability, uninsured motorist, and PIP insurance in Maryland may result in a $2,000 fine, administrative fine fees, and/or up to two years in jail. Plus, your license or driving privileges may be suspended or revoked if you do not meet the minimum requirements mandated by state law and will be required to ap1ply for SR-22 insurance. Uninsured drivers pose dangers to themselves and those around them.
Who has the cheapest car insurance in Maryland?
The best way to get the cheapest car insurance in Maryland and save on your auto insurance premium is to compare quotes from all companies in your area. Use a car insurance quotes comparison site like Insurify to compare up to 10+ real quotes for your specific driver profile and unlock savings and discounts. Rates can fluctuate greatly based on whether you're a safe driver or a high risk one, but you should never overpay. Insurify provides the cheapest car insurance quotes and companies in your area in just a few seconds.
It Pays to Go Green in Maryland
The state of Maryland offers many green driver incentives, test exemptions, tax incentives, and insurance discounts.
Federal income tax credits, Maryland excise tax credits, equipment repair rebates, and special electricity rates may be granted to buyers of eco-friendly vehicles including electric cars, hybrids, plug-ins, diesel-powered, or alternative fuel vehicles.
If you’re thinking about your next big car purchase, consider a fuel-efficient vehicle—it’s good for both your wallet and the planet in the long run.
Maryland MVA Information
The Maryland Motor Vehicle Administration, has outposts around the state in Allegany, Anne Arundel, Baltimore, Calvert, Caroline, Carroll, Cecil, Charles, Dorchester, Frederick, Garrette, Harford, Howard, Kent, Montgomery, Prince George’s, Queen Anne’s, Somerset, St. Mary’s, Talbot, Washington, Wicomico and Worcester. MVA branches operate from 8:30 AM to 4:30 PM, with some special morning and evening hours.
At the MVA, Maryland residents can access services like driver’s license and ID card registration and renewal, vehicle registration, and license plate pick-up, as well as insurance information and services. To save time, the DMV allows individuals to make appointments online. For the shortest wait times, avoid planning your visit on Mondays and Fridays, or during lunch hours.
Regardless of where you live in the Old Line State, an MVA shouldn’t be too far. Maryland residents may be able to skip their visit to the DMV altogether and get what they need through their online portal. Visitors may also utilize the services provided by the Maryland Department of Insurance while visiting their local MVA.
Maryland drivers can save big on their car insurance policies.
To find the best rates, companies, and coverage based on your personal metrics, get a free quote by using an auto insurance quotes comparison site like Insurify. From the Piedmont Plateau to the Atlantic Coastal Plain, Maryland drivers deserve to find the cheapest car insurance available.
Compare Maryland car insurance companies today on Insurify.
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