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Cheap DUI Car Insurance in Maryland (With Quotes)
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Best DUI Insurance Companies in Maryland (2022)
For drivers with a DUI or DWI offense 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 after this incident will allow you to get the best possible insurance rate after a DUI.
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 a DUI 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. |
|---|---|
| Travelers | $211 |
| Liberty Mutual | $244 |
| Metropolitan Property and Casualty Insurance Company | $254 |
| Safeco Insurance | $282 |
| Elephant.com | $308 |
| American Family Insurance | $378 |
| Bristol West | $464 |
DUI Car Insurance Costs in Maryland
In Maryland, a DUI or DWI offense will on average have drivers paying $442 per month and $5,304 per year for their car insurance rates.
Compared to drivers with a clean driving record, that is on average an 51% increase on car insurance rates for drivers with a DUI. So in order, to find an affordable monthly rate after a DUI, comparison tools like Insurify become essential to finding the best 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.
Insurify's comparison tool will help you make sure you're getting the best possible quote even after a DUI. You can have peace of mind that you're reviewing all of your available insurance options and can confidently choose the one that is best for your situation.
How Much Does a DUI Impact Car Insurance Rates in Maryland?
Though you agreed to a specific rate when you established your policy, the amount you pay in premiums can climb due to your mistakes. Insurance companies charge high-risk drivers (like those with DUIs) increased amounts to make up for these losses and remain profitable.
Premiums for drivers with DUIs on their record average out to $442 per month. Compare notes with those who don't have a DUI, and you'll find that they pay $149 less than that. What's a good incentive for not getting behind the wheel while intoxicated? Your insurance could end up costing you 51 percent more!
| No Violation - Avg. Monthly Rate 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. | After DUI - Avg. Monthly Rate 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. | Average Percent Increase After DUI |
|---|---|---|
| $293 | $442 | 50.85% |
What Are the Average Car Insurance Prices After a DUI in Maryland?
Need some insurance advice? Always shop around for better rates when you experience a significant life change. A DUI definitely falls within this category. Because monthly increases can send you reeling, knowing what you probably should be paying now can help. First, know that Maryland ranks as the 15th most expensive state for insurance after a DUI. But you aren't alone. A lot of people are paying for this same mistake. You'll find that average rates for those convicted of this offense are $442.
| Maryland After DUI Avg. Monthly Rate 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. | Most Expensive State for DUI (1-50) |
|---|---|
| $442 | 15th |
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How Long Is the Lookback Period for a DUI in Maryland?
Unfortunately, many people who have a DUI don't learn their lesson the first time and repeat the offense. A driver may have a first, second, and even third offense on their record. But how far back does a state look at DUI offenses to determine a penalty? In Maryland, the lookback period for DUI offenses is five years.
This means that if there are any other DUI offenses within five years of a new DUI offense, the previous offenses will count. Keep a clean record for five years in Maryland, and the DUI offense will no longer be considered as far as your driving record is concerned. Motorists who are first-time offenders and those with DUI offenses that are over 10 years old can ask for a probation before judgment (PBJ) to avoid adding a first offense to their criminal record.
Maryland DUI Penalties
As in most states, DUI-convicted drivers in Maryland face both criminal and administrative (having to do with their driver's license) consequences. Criminally, first offenders face up to a $1,000 fine and one year in jail. Those convicted of a DUI a second time face a $2,000 fine and up to two years in jail (with a mandatory minimum of five days).
Additionally, 12 points are assessed on your Maryland driving record for each DUI conviction. First offenders can lose their license for up to six months, while those with a second conviction can lose their license for up to one year. Finally, anyone convicted of a DUI must enroll in Maryland's Ignition Interlock Program.
Compare Top Auto Insurance Companies
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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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