Car Insurance in Maryland

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Table of Contents
  • How Much is Car Insurance in Maryland?
  • Real Quotes for Jerry.ai Customers in Maryland
  • The Cheapest Car Insurance in Maryland
  • Most Popular Insurance Companies in Maryland
  • Cost to Insure Different Cars in Maryland
  • Car Insurance Laws in Maryland
  • Car Registration Information in Maryland

Looking for car insurance in Maryland? Here you’ll find all the information you need on driving a car in The Free State, regardless of what kind of car you own, what your budget is, or what kind of driver you are. Whether you live in Baltimore or Columbia, Germantown or Silver Spring — you can read on for the cheapest car insurance, the best car insurance, and the laws you need to know for Maryland car insurance.

How Much is Car Insurance in Maryland?

Why do car insurance quotes differ by state? First of all, each state has different laws around what kind of coverage you need to legally drive. Insurance companies also look at the number of car accidents and thefts in an area, how much people are generally using their car, and how likely an area is to have a natural disaster, among other factors. But while you can’t always control where you live, you can get cheap car insurance by choosing an insurance policy that has the best rates for your needs. If you live in Maryland, here’s what you should know about how much you’ll pay for insurance: On average, drivers in Maryland pay $3,045.78 each year for car insurance. This means drivers in Maryland pay 4% above the average for the rest of the country. But however much you pay, you can use our advice on this page to save money.

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What’s Your Rate?

But how do you know what policy is right for you in Maryland? The truth is that insurance companies take many different factors into account when coming up with your quote. They create a profile based not only on where you live in Maryland, but also on your credit score, marital status, the kind of car you own, and much more.

Not only does your profile change what kind of price you’ll get on car insurance, but it also might change the kind of coverage you want! Not all tiers are the same, and it’s important to know what you’re looking for. You could save money on your monthly or yearly insurance premiums by having a higher deductible. But if you do get into an accident or need to file a claim, that choice will cause you to pay more out of pocket.

The best way to make sure you’re always getting the best coverage for the right price is to let us do all the legwork for you. We can compare quotes from over 40 different insurance companies and find you the best rates in 45 seconds — no matter what kind of coverage you’re looking for.

Real Quotes for Jerry.ai Customers in Maryland

CreatedCarsCustomerCarrierMonthly premiumAmount savedType of coverage
2020-11-22
  • Nissan Altima 2.5
39 year old femaleProgressive$89.67$35.33Basic
2021-01-02
  • Hyundai Elantra Se
24 year old femaleProgressive$57.17$30.83Basic
2021-01-13
  • Chevrolet S Truck S10
23 year old femaleProgressive$104.17$108.16Basic
2021-02-20
  • Chevrolet Trax Ls
29 year old femaleTravelers$216.83$243.17Standard
2020-12-30
  • Audi A4 3.0 Quattro
  • Honda Accord Ex
46 year old maleProgressive$136.33$31.67Preferred

The Cheapest Car Insurance in Maryland

Which companies offer cheap car insurance in Maryland? Below, we’ve ranked Maryland car insurance companies based on which ones have, on average, the cheapest car insurance quotes for basic, standard, and preferred coverage levels for different profiles. These are averages to give you a sense of what drivers in your state are paying. But remember — it’s impossible to know what your quotes will be until you start comparing for yourself. That’s why we’re also showing you some real quotes we were able to find for our members recently. If you shop for insurance wisely, you can get a great deal without sacrificing your own safety and protection.

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Cheapest Car Insurance in Maryland for Basic Coverage

There’s all kinds of auto insurance you can get in Maryland, depending on what your priorities are. But if your priority is the least expensive premium payments, you’ll want to check out a basic plan. In most states you legally need car insurance to drive. Basic plans ensure that you have the minimum coverage required by Maryland. These are also plans with liability-only coverage. We were able to look at the average price drivers are paying for basic insurance coverage in Maryland, as well as real quotes from actual Jerry.ai customers. You can customize these charts to find rates depending on your driving record, your age, how many cars you drive, you gender, and whether or not you’re a homeowner — all huge factors real insurance companies use in determining rates.

Average Cheapest Car Insurance for Basic Coverage in Maryland

Filters
RankCompany nameAvg. Annual Premium
1Progressive$1,230.97
2Nationwide$1,308.23
3Safeco$1,596.64
4Electric$1,652.84
5Bristol West$1,663.16

Real Jerry Quotes for Basic Coverage in Maryland

Filters
CreatedCarsCustomerCarrierMonthly premiumAmount saved
2021-02-16
  • Infiniti Q60 Base
20 year old maleSafeco$150.38$199.63
2020-12-05
  • Dodge Charger
  • Mercedes-Benz Cls 450 4matic
31 year old maleProgressive$73.33$222.67
2021-01-18
  • Nissan Quest S
41 year old maleProgressive$70.50$50.50
2020-11-27
  • Nissan Altima Platinum
27 year old maleProgressive$59.67$110.33
2020-11-28
  • Buick Regal Premium
25 year old maleBristol West$151.50$81.50

Average Cheapest Car Insurance for Standard Plans in Maryland

Most drivers will want more than the basic minimum coverage that Maryland requires — but still don’t want to break the bank. Standard plans offer both collision insurance and comprehensive insurance which gives you more protection than a basic plan. These plans generally offer a $1,000 deductible.

Below you’ll find the average price drivers are paying for standard insurance coverage in Maryland, as well as real quotes from actual Jerry.ai customers. You can customize these charts to find rates depending on your driving record, your age, how many cars you drive, you gender, and whether or not you’re a homeowner. All of these factors can impact premiums, so be sure to take a look at averages and quotes from drivers similar to you!

Average Cheapest Car Insurance for Standard Coverage in Maryland

Filters
RankCompany nameAvg. Annual Premium
1Kemper$1,320.43
2State Auto$1,740.73
3Nationwide$1,865.90
4Progressive$1,967.14
5Travelers$1,997.44
6Safeco$2,016.31

Real Jerry Quotes for Standard Coverage in Maryland

Filters
CreatedCarsCustomerCarrierMonthly premiumAmount saved
2020-12-26
  • Lexus Rx 350
42 year old femaleState Auto$100.18$87.82
2021-02-11
  • Nissan Frontier S
  • Nissan Altima 2.5
  • Honda Accord Lx
47 year old femaleProgressive$238.83$171.17
2021-01-26
  • Kia K5 Ex
27 year old maleProgressive$100$15
2021-01-03
  • Volkswagen New Beetle Gls
31 year old femaleSafeco$126.25$68.75
2020-12-17
  • Nissan Sentra S
  • Nissan Murano S
  • Honda Accord Lx
42 year old femaleProgressive$137$203

Cheapest Car Insurance in Maryland for Preferred Coverage

Preferred coverage protects Maryland drivers the most against any accidents or theft. Like basic plans, you’ll have collision insurance and comprehensive insurance. This is higher end full coverage, generally with $500 deductibles. That means you’ll be paying less out of pocket in the event of a claim. The downside? Your premiums are likely to be higher than what drivers with standard plans are paying. But if you comparison shop, you can still find the preferred insurance policy that’s less expensive.

We were able to look at the average price drivers are paying for preferred insurance coverage in Maryland, as well as real quotes from actual Jerry.ai customers. You can customize these charts to find rates depending on your age, your driving record, whether you’re over or under 25 year old, the number of cars your drive, you gender, and if you own a home — all huge factors real insurance companies use in determining rates.

Average Cheapest Car Insurance for Preferred Coverage in Maryland

Filters
RankCompany nameAvg. Annual Premium
1Kemper$1,693.54
2State Auto$1,935.83
3Nationwide$1,962.85
4Progressive$2,020.87
5Travelers$2,226.80
6Safeco$2,239.50

Real Jerry Quotes for Preferred Coverage in Maryland

Filters
CreatedCarsCustomerCarrierMonthly premiumAmount saved
2020-11-22
  • Kia Forte Lx
26 year old maleNationwide$228.84$33.16
2021-01-23
  • Ford Escape Xls
33 year old femaleProgressive$91.50$58.50
2020-12-17
  • Dodge Avenger Se
33 year old maleProgressive$173.17$48.83
2020-12-20
  • Chevrolet Cruze Ls
21 year old femaleProgressive$286$91
2021-02-21
  • Chrysler 200 Limited
47 year old femaleProgressive$134$140
Insurance companyAverage annual premium in Maryland
Progressive$2,782.23
Safeco$2,964.98
Kemper$2,388.30
Bristol West$2,060.25
Travelers$2,321.86
State Auto$2,907.65
Nationwide$1,926.19

Cost to Insure Different Cars in Maryland

Auto insurance companies look into several different factors when coming up with their rates. A big one is what state you’re in — which is why it’s so important for Maryland drivers to compare their rates to people in the same state. The car you drive can be a big factor as well. No matter what town, city, or country you live in, certain cars are just going to cost you more in coverage than others. Check out our chart to find out how much different cars cost to insure in Maryland. And you can use our table of real quotes from Jerry.ai customers to see what people just like you are paying.

Filters
CreatedCarsCustomerCarrierMonthly premiumAmount savedType of coverage
2021-01-22
  • Ford Explorer Xls
50 year old maleSafeco$117.37$57.63Preferred
2021-02-19
  • Buick Lacrosse Cxl
21 year old maleTravelers$183.17$48.83Standard
2021-01-17
  • Hyundai Elantra Gls
34 year old maleProgressive$130.50$49.50Standard
2021-02-25
  • Chevrolet Cruze Ls
21 year old femaleProgressive$142.17$234.83Basic
2020-12-07
  • Nissan Altima 2.5
28 year old maleProgressive$88.17$400.83Basic
2020-11-19
  • Ford Focus Sel
23 year old maleProgressive$176.83$151.17Standard
2021-01-08
  • Ford Fusion Se Hybrid
29 year old maleProgressive$158.33$163.67Preferred

Car Insurance Laws in Maryland

With more than 117,000 car accidents per year in Maryland, The Old Line State requires drivers to carry a minimum amount of liability insurance. If you live and drive in Maryland, here’s what you need to know about car insurance requirements in the state.

What Car Insurance Is Required in Maryland?

To drive a motor vehicle in Maryland, you must have the required amount of auto insurance coverage, which is designed to protect all drivers on the road. The required liability insurance includes Bodily Injury Liability (BIL), Property Damage Liability (PDL), and uninsured motorist coverage.

You BIL coverage pays for any bodily injuries suffered in an accident you cause. In addition to medical bills, BIL covers lost wages and pain and suffering. Plus, BIL will also pay for a lawyer to defend you if you are sued in court, and will pay to settle claims settled against you, up to your policy limit.

PDL coverage pays for any property damage caused by your vehicle in an accident. PDL also covers any property your vehicle damages, such as poles, fences, and buildings. And, just like BIL, PDL also pays for a lawyer to defend you in court if you are sued and settle any successful claim against you, up to your policy limit.

Personal Injury Protection (PIP), while not required, is an optional insurance offered in Maryland. PIP insurance in Maryland will pay for the medical bills, lost wages, and other medical expenses for the driver and other occupants in a vehicle regardless of who is at-fault in an accident. Car insurance companies in Maryland are required to offer PIP coverage, but drivers can opt out by signing a waiver.

Uninsured motorist coverage will pay for medical bills and property damage stemming from an accident if the at-fault driver is not insured. Maryland law requires that drivers carry a minimum amount of uninsured motorist coverage.

Can You Drive a Car without Insurance in Maryland?

You must have the required minimum coverage amounts in Maryland to legally drive. Otherwise, you are in violation of the law and face various penalties and fines. If you try to register your car without the required amount of insurance, your insurance company will issue an FR-19 on your behalf.

Failure to provide proof of insurance following an accident or when pulled over will result in a fine of $1,000 and possibly up to one year in prison. You will also have to pay an administrative fee and have five points added to your license.

For a second offense, you can expect a fine of $2,000 or more and up to two years in jail. You will also have another five points added to your license, which will more than likely lead to a license suspension. You might also have to attend a Driver Improvement Program.

Unlike states where an SR-22 certificate is required when you’re caught driving without car insurance, drivers in violation of the minimum insurance laws in Maryland instead have to file an FR-19 certificate. AN FR-19 is only used to verify that a driver has the required insurance and so is only valid for 30 days.

What Are the Minimum Car Insurance Requirements in Maryland?

Maryland, like most states, requires drivers to have a minimum amount of insurance in order to legally drive in the state. This is to help reduce the costs of accidents on drivers who are not at fault in an accident, including paying for any property damage and bodily injury suffered. To legally drive a vehicle registered in Maryland, you need to have the following minimum amount of insurance.

Minimum Insurance Requirements in Maryland

  • Bodily injury/per person/per accident: $30,000
  • Bodily injury/per accident: $60,000
  • Property damage liability: $15,000
  • Uninsured motorist bodily injury coverage/per person/per accident: $30,000
  • Uninsured motorist bodily injury coverage/per accident: $60,000
  • Uninsured motorist property damage coverage: $15,000

Car Registration Information in Maryland

In addition to insurance, you also need to register your car in Maryland. Current residents should register their vehicles as soon as possible. New residents moving to Maryland have 60 days to register their vehicle after moving to the state.

Once you register your vehicle in Maryland, you will receive two license plates, one for the front of the vehicle and one for the rear. The rear license plate also has two decals showing the month and year the registration has to be renewed. The decal with the month goes in the upper left corner of the license plate, while the decal designating the year goes in the upper right. Drivers in Maryland have to renew their registration every two years.

The initial registration fee for registering your vehicle in Maryland depends in part on where you are located, with various locations charging separate taxes and fees. There is also a $17 surcharge to help pay for the state’s EMS system, as well as the following fees according to vehicle type:

  • Passenger car (up to 3,700 pounds): $135
  • Passenger car (over 3,700 pounds): $187
  • Trucks (7,000 pounds or less): $161.50

You can register your vehicle in Maryland in one of a few ways. The first, which is required for first-time vehicle registration, is to travel to your local county treasurer’s office. You can also renew your registration through the mail or online.

When you go to register your vehicle for the first time, you will need the following documentation:

  • Maryland driver’s license
  • Vehicle registration (if moving from another state); contains the Vehicle Registration Number (VIN)
  • Proof of car insurance
  • Current odometer reading
  • Maryland Safety Inspection Certificate
  • Certificate of title (if you own the vehicle)
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