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Maryland Car Insurance for High Risk Drivers (With Quotes)

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Doug Shaffer

By: Doug Shaffer

| Reviewed by licensed insurance agent, Amber Benka

Last Updated March 9, 2022

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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.

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

No Violation
$282
Speeding Ticket
$346
Reckless Driving
$346
Failure to Stop
$348
At-Fault Accident
$353

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 HistoryAvg. Monthly Cost
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.

No Violation - Avg. Monthly Rate
$282
Speeding ticket - Avg. Monthly Rate
$346
$64 ▴
Avg. Monthly Rate Increase

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.

No Violation - Avg. Monthly Rate
$282
Speeding ticket - Avg. Monthly Rate
$353
$71 ▴
Avg. Monthly Rate Increase

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.

No Violation - Avg. Monthly Rate
$282
Speeding ticket - Avg. Monthly Rate
$348
$66 ▴
Avg. Monthly Rate Increase

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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.

Top Auto Insurance Companies

Compare Top Auto Insurance Companies

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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Methodology

The car insurance quotes displayed are based on an analysis of Insurify’s database of over 40 million quotes from 500 ZIP codes nationwide. To obtain representative rates, Insurify’s data science team performs frequent comprehensive analyses of the factors car insurance providers weigh to calculate rates including driver demographics, driving record, credit score, desired coverage level, and more.

Insurify’s analysis also incorporates the Insurify Composite Score (ICS) assigned to each insurance provider. The ICS is a proprietary rating that weighs multiple factors reflecting the quality, reliability, and health of an insurance company. Ratings used to calculate the ICS include Financial Strength Ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings; Consumer Reports customer satisfaction surveys and customer complaints; mobile app reviews; and user-generated company reviews. 

With the above insights and ranking methods, Insurify is able to offer car insurance shoppers insight into how various insurance providers compare to one another in terms of both cost and quality. Note, actual quotes will vary based on unique attributes including the policyholder’s driver history and their garaging address.

Doug Shaffer
Doug Shaffer

Content Writer at Insurify

Doug Shaffer is an insurance writer for Insurify. He has had the opportunity to write for several large, national insurance carriers in the past and brings with him over six years of experience working with both business and consumer products. Even though he enjoys writing for most product lines, he loves auto insurance the most. During the moments he manages to break away from the keyboard, he can be found spending time with his family.

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