How to Find the Best Car Insurance
for High Risk Drivers in Maryland

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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
Average Monthly Cost
$282
No Violation
$346
Speeding Ticket
$353
At-Fault Accident
$346
Reckless Driving
$348
Failure to Stop for Red Light / Stop Sign
Driving History

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.

What Are the Best Car Insurance Companies for High-Risk Drivers in Maryland?

Often, when a driver finds out they have been characterized as high-risk, they begin to worry about increased monthly premiums. While rates do go up for drivers with a history of violations, there are still options available. As the table below shows, providers such as SafeAuto, Travelers, Elephant.com, and many more offer competitive rates.

CarrierAvg. Monthly Cost
SafeAuto$207
Travelers$213
Elephant.com$288
Liberty Mutual$303
Safeco Insurance$306
American Family Insurance$393
Midvale Home & Auto$394
Bristol West$493

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 for Red Light / Stop Sign$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.

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

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

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

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.