Auto Insurance in Maryland (MD)

Maryland has a relatively high population density. Motorists in regions with high population density are statistically more prone to accidents, a factor that drives insurance rates up. In addition, about 12 percent of drivers in Maryland do not have car insurance. On the other hand, the state does have laws to increase vehicle safety. For example, teenagers receive provisional driver’s licenses and are banned from using cell phones while they are at the wheel. Such statistics and laws affect car insurance rates in Maryland, along with factors like driving records and car types.

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Auto Insurance Requirements in Maryland (MD)

Maryland law requires car owners to carry the following amounts of car insurance:

$20,000 of liability coverage for bodily injuries per person
$40,000 of liability coverage or bodily injuries per accident
$15,000 in property damage liability
$20,000 per bodily injury for uninsured motorist coverage
$40,000 per person for uninsured motorist coverage
$15,000 for property damage for uninsured motorist coverage

It’s important to remember, however, that these are only minimums. You should probably buy higher levels of coverage to make sure that your family’s financial security is protected.

Auto Insurance Discounts in Maryland (MD)

You may be eligible for a discount on your car insurance for the following reasons:

Taking a state-approved defensive driving course
You are over the age of 50
You have a low average annual mileage

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Auto Insurance Providers in Maryland (MD)

The following companies offer car insurance in Maryland:

AAA
AARP
Aflac
AIG
Allstate
American Family Insurance
Amica
Chubb
Comparison Market
Electric Insurance Company
Esurance
Farmers
GMAC Insurance Online (National General)
Horace Mann
Insurance.com
Liberty Mutual
MetLife Auto
Prudential
Safeco
State Farm
Travelers Insurance
Unitrin
USAA

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Get More Information on Auto Insurance in Maryland (MD)

The motor vehicle department of Maryland is online at http://mva.state.md.us/

The office is located at:
Maryland Department of Transportation
Motor Vehicle Administration
6601 Ritchie Highway, N.E.
Glen Burnie, Maryland 21062

*Auto Insurance Options is a free information resource that provides content on auto insurance products and policies for informational purposes only, but is not an agency or insurer. Products and policies may not be available in all states.