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Maryland Car Insurance for High Risk Drivers (With Quotes)
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Cheapest Insurance Companies for High Risk Drivers in Maryland (2022)
For drivers that are high-risk 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 for drivers that are high-risk.
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 high-risk drivers 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 | $207 |
| Travelers | $213 |
| Elephant.com | $288 |
| Liberty Mutual | $303 |
| Safeco Insurance | $306 |
| American Family Insurance | $393 |
| Midvale Home & Auto | $394 |
| Bristol West | $493 |
What Makes a Driver High-Risk in Maryland?
Auto insurance providers assume a certain amount of risk every time they take on a new driver. Ultimately, a little risk is okay, but high-risk motorists can sometimes come with a bad driving history. These individuals often pose a higher risk to insurers and are more likely to file an insurance claim.
Insurance companies often label customers as high-risk drivers in Maryland if they have an extensive history of driving violations. The type of violation can include speeding, reckless driving, being convicted of a DUI, and having several at-fault accidents. Since high-risk drivers in Maryland often pay more for coverage, it is important to shop around for quotes when looking for auto coverage.
Maryland Car Insurance Rates for High-Risk 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 after high risk driving violation. 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 High-Risk Driving Affect Car Insurance Rates in Maryland?
High-risk driving violations can have a lasting impact on car insurance rates in Maryland. Regardless of whether it is an instance of speeding, reckless driving, or a failure to stop, all result in an increase to your monthly premiums. In Maryland, the costliest violation is an at-fault accident that results in a monthly payment of $353.
Some insurance providers throughout Maryland offer special rates and packages that are intended to provide affordable coverage for high-risk drivers. Shopping around for multiple quotes is a great way to maintain coverage at a lower cost.
| Driving History | 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. |
|---|---|
| No Violation | $282 |
| Speeding Ticket | $346 |
| At-Fault Accident | $353 |
| Reckless Driving | $346 |
| Failure to Stop | $348 |
How Much Does a Speeding Ticket Impact Car Insurance Rates in Maryland?
Most drivers know the gut-sinking feeling of looking down at the dashboard and realizing they are 10–15 miles over the speed limit. If you get caught, there is a good chance that you will wind up with a speeding ticket and a higher average monthly premium. For most drivers with a speeding ticket, the increase in price is around 22 percent.
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.
How Does an at-Fault Accident Impact Insurance Rates in Maryland?
Being involved in an accident can have many ramifications, from injuries to increases in your auto insurance. This is especially true for at-fault accidents in Maryland, where monthly premiums typically increase by an average of $71. In fact, having an at-fault accident on your driving record has the largest impact out of all reckless driving violations in Maryland.
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.
How Much Does Failure to Stop for a Red Light or Stop Sign Impact Car Insurance Rates in Maryland?
Failing to stop for a red light or at a stop sign can easily happen if you are distracted. If you receive a ticket for a failure to stop, it can result in an increased average monthly rate. In Maryland, the citation can raise overall prices by as much as $66 a month. That is a staggering 23 percent increase overall.
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.
Does Driving With a Suspended License Impact Car Insurance Rates in Maryland?
Auto insurance providers assume a certain amount of risk every time they take on a new driver. Ultimately, a little risk is okay, but high-risk motorists can sometimes come with a bad driving history. These individuals often pose a higher risk to insurers and are more likely to file an insurance claim.
Insurance companies often label customers as high-risk drivers in Maryland if they have an extensive history of driving violations. The type of violation can include speeding, reckless driving, being convicted of a DUI, and having several at-fault accidents. Since high-risk drivers in Maryland often pay more for coverage, it is important to shop around for quotes when looking for auto coverage.
Tips for Researching High-Risk Maryland Car Insurance Rates
Insurance prices and policies can vary significantly between companies, and a large and growing state like Maryland draws a wide variety of choices when factoring high-risk driving insurance rates.
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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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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