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Maryland Car Insurance for Bad Credit Drivers
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Cheapest Companies for Drivers With Bad Credit in Maryland (2022)
For drivers with bad credit in Maryland, it's important that you evaluate all of your potential insurance options to ensure you are finding the best rate. Comparing the right insurance companies will allow you to get the best possible insurance rate for drivers with bad credit.
To simplify comparing companies, Insurify has analyzed rates from top insurance providers in Maryland. The following are the best insurance rates from carriers that offer car insurance for drivers with bad credit in Maryland.
| Carrier | Avg. Monthly Cost The car insurance quotes, statistics, and data visualizations on this page are derived from Insurify’s proprietary database of over 4 million car insurance applications from ZIP codes across the United States. Insurify’s data science team performs a comprehensive analysis of the various factors car insurance providers take into account while setting rates to provide readers insight into how car insurance quotes are priced. |
|---|---|
| SafeAuto | $174 |
| Travelers | $213 |
| Elephant.com | $268 |
| Safeco Insurance | $291 |
| Liberty Mutual | $310 |
| Midvale Home & Auto | $335 |
| American Family Insurance | $345 |
| Bristol West | $424 |
Bad Credit Car Insurance in Maryland
There's a price to pay for having bad credit; it's usually due when you're seeking a loan for a house or car. A poor credit score can also affect how much you pay for car insurance. There are a few states where car insurance companies are prohibited from using a driver's credit history as a factor for determining a rate, but Maryland is not one of them. Depending on what insurance company you reach out to for coverage, you'll likely have to go through a credit check.
The good news is that car insurance credit checks in Maryland are considered "soft inquiries." They will not affect your credit score.
Maryland Car Insurance Rates for Bad Credit Drivers
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Insurify's comparison tool will help you make sure you're getting the best possible quote even with a bad credit rating. You can have peace of mind you're not paying any more than need to, and customers save $48 per month on average.
How Much Does Bad Credit Impact Car Insurance Rates in Maryland?
Drivers with bad credit pay approximately 16 percent more than average for car insurance in Maryland. Car insurance companies will use factors like your payment history and total debt to calculate your insurance credit score, which plays into your risk level, according to the Insurance Information Institute. Your insurance credit score, driving record, and claims history will be used to determine your rate.
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Can I Get Car Insurance With No Credit Check in Maryland?
It's possible to get car insurance without a credit check in Maryland. The car insurance companies that offer coverage with no credit check often charge more for their premiums than standard insurers, however. The extra cost serves as compensation for the insurers because without looking at your payment history or total debt, they can't fully assess how much of a risk you are to cover.
The credit check might feel like an extra, unnecessary step for getting car insurance. In the long run, it might be worth it because you could end up paying less for your insurance premiums. Be sure to look at car insurance companies that require credit checks so you can get a good comparison.
Maryland Car Insurance Rates by Credit Tier
Having good credit can help keep your car insurance rates down. It's especially important in a state like Maryland, where the average monthly cost for drivers in the excellent credit tier is $236. Meanwhile, Maryland drivers with poor credit pay $331 per month on average for car insurance. That's nearly $100 more. What's surprising is that the gap between Maryland drivers with good and average credit is relatively small—just $8.
| Credit Tier | Avg. Monthly Cost The car insurance quotes, statistics, and data visualizations on this page are derived from Insurify’s proprietary database of over 4 million car insurance applications from ZIP codes across the United States. Insurify’s data science team performs a comprehensive analysis of the various factors car insurance providers take into account while setting rates to provide readers insight into how car insurance quotes are priced. |
|---|---|
| Excellent | $236 |
| Good | $296 |
| Average | $304 |
| Poor | $331 |
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Car Insurance Rates With Bad Credit in Maryland Cities
Bad credit is costly for Maryland drivers throughout many different parts of the state. Hagerstown, which is deemed more rural, is on the lower end of the average monthly cost for car insurance, at $226. Meanwhile Baltimore, Maryland's most populous city, has an average monthly car insurance cost of $433 for drivers with bad credit. A number of Maryland cities fall in the $200 to $400 per month range.
| City | Credit Tier | Avg. Monthly Cost The car insurance quotes, statistics, and data visualizations on this page are derived from Insurify’s proprietary database of over 4 million car insurance applications from ZIP codes across the United States. Insurify’s data science team performs a comprehensive analysis of the various factors car insurance providers take into account while setting rates to provide readers insight into how car insurance quotes are priced. |
|---|---|---|
| Baltimore | Poor | $434 |
| Hagerstown | Poor | $227 |
| Dundalk | Poor | $301 |
| Hyattsville | Poor | $404 |
| Laurel | Poor | $309 |
| Waldorf | Poor | $287 |
Tips for Researching Bad Credit Maryland Car Insurance Rates
Insurance prices and policies can vary significantly between companies, and a state like Maryland draws a wide variety of choices when factoring insurance rates for drivers with bad credit.
Insurify's rate comparison tool will help you make sure you're getting the best possible quote based on your needs and location. You can have peace of mind you're not paying any more than you need to, and customers save $585 per year on average.
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Use Insurify for all of your car insurance comparison needs! Compare and connect directly with the top insurance companies to find the best rates as well as the most personalized discounts and coverage options. Insurify’s network includes over 200 insurance companies throughout the U.S. who can work with you to get you the right auto insurance policy at the cheapest price. See All Auto Insurance Companies
FAQs - Maryland Car Insurance
There are many different factors that go into the how expensive your car insurance is. That said, some of the reasons why you could be paying so much for your insurance include: living in a state with high minimum insurance requirements, being a young or new driver, committing past traffic offenses like at-fault accidents or DUIs, and having a low credit score.
Auto insurance costs will vary between locations and insurance carriers, depending on the county Maryland. Insurify analyzed the latest data for the five most populous cities in Maryland to find you the cheapest quotes in each of these metropolitan areas.
The way to find the carrier with the best auto insurance ratings in Maryland and save on your insurance premiums 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.
During the past three years in the United States, national premium costs have risen an average of 4.5 percent annually. In states where quotes have risen, this figure has been 7.8 percent; and in those where rates have fallen, prices have decreased by approximately 6.0 percent. Individual rates by state will of course vary depending on the driver’s history and a multitude of factors.
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Data scientists at Insurify analyzed more than 40 million real-time auto insurance rates from our partner providers across the United States to compile the car insurance quotes, statistics, and data visualizations displayed on this page. The car insurance data includes coverage analysis and details on drivers' vehicles, driving records, and demographic information. Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Service's database of auto insurance rates. With these insights, Insurify is able to offer drivers insight into how companies price their car insurance premiums.
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