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If you’re a new driver or new resident in Maryland, you’re sure to be on the hunt for cheap car insurance that gives you the coverage you need. Look no further! Cheap Insurance is here to help you find the right car insurance coverage for any situation. Request a free quote to get started.

Quick Maryland Car Insurance Facts

Maryland is one of the most expensive states for car insurance, but that doesn’t mean you can’t find affordable coverage (with a little research). Here are some important facts you should know about car insurance coverage in Maryland:

Minimum Maryland Car Insurance Coverage

Maryland law requires minimum insurance for bodily injury and property damage liability. All drivers in the state must carry at least the following car insurance coverages:

Bodily injury: $30,000 for one person or $60,000 for 2 or more people

Property damage: $15,000

Getting Cheap Car Insurance In Maryland

Are you having trouble finding cheap car insurance in Maryland? Here are some tips to help you find adequate coverage on a budget.

  1. Be a good driver: The fewer tickets and traffic incidents you have, the lower your monthly premium will be.
  2. Shop among several car insurance providers: Every provider has different prices and offerings, so be sure to shop around.
  3. Decrease your mileage: The more time you spend driving, the higher your driving risk—and the higher your premium.
  4. Maryland insurance programs: Find out if you qualify for state-sponsored discount programs.

Maryland Car Insurance Discounts

The state of Maryland offers some car insurance discounts, including:

Good Driver: Drivers with a good record could qualify for discounted premium rates.

Good Student: Teen or young adult drivers in Maryland can qualify for discounted car insurance—just for having good grades.

FAQ

What is the average car insurance cost in Maryland?

Car insurance in Maryland costs an average of $1,211.83, the 10th highest rate in the country.

How much is car insurance per month in Maryland?

Monthly car insurance rates in Maryland break down to an average of $100 a month.

What is the penalty for driving without insurance in Maryland?

Uninsured drivers in Maryland could face fines of up to $2,500 per vehicle and have their license and registration suspended.

What is driving like in Maryland?

There are almost 4.5 million drivers in Maryland, of which 14% are uninsured. The state has an average of 484 fatal car accidents per year.

How can I save money on my car insurance policy in Maryland?

Maryland drivers could save money by asking their car insurance provider about discounts related to:

  • Having a good driving record
  • Driving a car with safety devices
  • Driving a car with anti-theft devices
  • Insuring multiple cars
  • Being a good student
  • Taking driver education courses
  • Using a renewal discount
  • Choosing a high deductible

Other Types of Coverage

Minimum coverage may not be adequate for your driving needs. Consider additional coverage in Maryland, such as:

Uninsured Motorist Coverage (UMC)/Underinsured Motorist coverage (UIM)

Medical Payments Coverage

Physical Damage Coverage

Additional Kinds of Coverage 

Endorsements and Riders

  • Towing and road service
  • Rental car reimbursement 
  • Gap insurance

Cities We Cover In Maryland

You don’t have to look far for cheap car insurance in Maryland! Find us in this town near you:

Average Annual Premiums in Maryland = $1,372 | via Insure.com

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