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What is a good amount of car insurance to carry in Maryland?
"I currently have bodily injury liability limits at $30,000/$60,000 and a property damage liability limit at $50,000. I carry uninsured/underinsured motorist coverage and property damage at the same limits. My personal injury protection is $10,000.
I'm paying $320 a month and my friends think that's crazy. Do I really need all the coverages I have? "
Emily Maracle · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
“Based on the coverages you currently have, you are meeting Maryland’s
minimum coverage car insurance
requirements. Most experts recommend carrying higher liability and coverages than the state minimum to avoid any financial hardships if you are in an accident. You should consider raising your liability coverage to ensure that you are protecting your assets. While it may seem like you are paying more than your friends, there are many factors that go into calculating car insurance rates.
Your age, driving record, and where you live all factor into the rate you pay. Also, if your friends are carrying only the minimum coverage, their rate will be significantly lower.
If you’re concerned that you’re paying too much for car insurance, you should shop around. You can get
car insurance quotes online
to see if there is a more affordable rate for the coverage you’re looking for. “View full answer
- Gregory R.
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Jerry partners with more than 50 insurance companies, but our content is independently researched, written, and fact-checked by our team of editors and agents. We aren’t paid for reviews or other content.
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