Cheap Auto Insurance Quotes in Ellicott City, MD (2021)

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Car Insurance in Ellicott City, MD

The average cost of Maryland car insurance will vary from city to city and between insurance companies. Insurify analyzed the latest insurance rates in Ellicott City, MD to find you the cheapest quotes in the area.

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Cheapest Car Insurance in Ellicott City, MD

Here are the cheapest carriers in Ellicott City 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.

Average Car Insurance Cost

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Ellicott City, MD Driving Facts

Minimum Car Insurance Requirements in MD

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:

  • Uninsured/Underinsured Motorist Bodily Injury
  • Uninsured Motorist Property Damage

Personal injury protection (PIP) coverage is also required in MarylandPIP 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. 


Find local Ellicott City agents

Campbell Insurance
4215 Buckskin Wood Drive, Ellicott City, MD 21042
HUB International-Mid Atlantic
3290 North Ridge Rd., Ellicott City, MD 21043
Allico Group Inc.
3460 Ellicott Center Dr #203, Ellicott City, MD 21043
Alice Kwon - State Farm Insurance Agent
3454 Ellicott Center Dr #106, Ellicott City, MD 21043
Scott McGrew - State Farm Insurance Agent
4785 Dorsey Hall Dr STE 101, Ellicott City, MD 21042
Ellicott City Maryland Health Insurance by
3600 St Johns Ln suite d, Ellicott City, MD 21042
Nationwide Insurance: Jeffrey P Zepp
9070 Chevrolet Dr, Ellicott City, MD 21042
Mike Sawyer - State Farm Insurance Agent
10194 Baltimore National Pike STE 102, Ellicott City, MD 21042
The Hartford
6011 University Blvd # 330, Ellicott City, MD 21043
Farmers Insurance - Gregory Fasick
3570 St Johns Ln Ste 111, Ellicott City, MD 21042

Insurify Rankings

Using a proprietary dataset of over 1.6 million car insurance shopper applications, the data scientists at Insurify have run various studies on driver behavior across geographical locations, age ranges, motor vehicle registration, and other variables all related to auto insurance coverage.

We’ve been able to determine the speediest cities in the nation, the most popular cars among age groups, and the occupations with the worst drivers, among other insightful reports. We’ve also launched annual awards campaigns to congratulate the communities across the country who have excelled in environmentally friendly initiatives, educational attainment, and other areas.

Here's how Ellicott City stacks up for the state of Maryland:

Honda Accord
Most Popular Car in
Ellicott City, MD
suspended licenses
Cities with Most
Suspended Licenses Rank