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Car Insurance in Maryland (Updated May 2024)

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Maryland Car Insurance Quotes

Car insurance costs are up 22% from a year ago, with some states seeing even higher increases than others. Looking at Maryland specifically, drivers are paying 3% more for car insurance than the national average, with Full Coverage costing Maryland drivers an average of $195 per month

Similar to other states, the rates in Maryland can vary widely by specific cities and zip codes as accident rates, car-related crime, and even weather can have significant influence over a driver's risk profile. Of course, a driver's profile also impacts the total cost of coverage, with age, driving history, and even credit score being some of the major factors evaluated by insurance providers. 

We partner with insurance experts to analyze millions of data points and get you the best car insurance in Maryland. Read on to learn more about properly insuring your car in Maryland. 

If you're ready for personalized recommendations, submit your ZIP code above and compare options instantly - absolutely free. 

Maryland Car Insurance Laws

Individuals living in Maryland who operate their vehicles on public roads and highways must have adequate insurance coverage that meets Maryland minimum car insurance requirements.

Maryland’s car insurance minimums are:

  • $30,000 for bodily injury
  • $60,000 for two or more injured people in an accident
  • $15,000 for property damage

Liability coverage reimburses others for injuries and property damage if the insured driver is at fault for an accident. It does not cover damages to you, your passengers, or your vehicle if you're in a collision. If you wish to protect yourself from the financial repercussions of an accident, consider purchasing collision or comprehensive vehicle insurance. 

Proof of Insurance

Maryland does not stipulate a grace period for obtaining car insurance after purchasing a new vehicle. ” 

Driving without insurance in Maryland can yield fines and penalties. Maryland fines for driving without insurance are $150 for the first 30 days and $7 for each subsequent day. Violators must also pay a $25 reinstatement fee. Maryland can also confiscate the vehicle's license plates, if it chooses. Courts may impose additional penalties as they see fit.

Maryland does not stipulate a grace period for obtaining car insurance after purchasing a new vehicle. It's important to obtain coverage before driving a newly purchased vehicle. If you get financing for a car, your lender may set additional coverage requirements.

Frequently Asked Questions

What is the quickest way to reduce my insurance premium in Maryland?
The quickest and easiest way to reduce your insurance premium is to take advantage of discounts related to your account setup. Depending on the insurance provider, setting up Electronic Funds Transfer (EFT), signing up for Paperless billing, and paying your policy in-full can reduce your cost by 4% to 9% instantly.
What is the most common insurance discount in Maryland?
The most common insurance discount is signing up for Paperless billing. We have seen discounts range from 3% up to 11% depending on the policy. It is important to note that not all carriers offer this discount and those that do might have rules of when it can be applied (usually around the start of your policy term).
How much will I save switching insurance providers in Maryland?
How much you can save by switching carriers can vary widely by location, time of year, and your driving record. While some carriers offer a median discount of 6 - 7% for policy renewals, recent research suggests that you can save anywhere between 10 - 20% by switching to a new carrier. The best way to secure the highest savings on your policy is by shopping often and connecting with a licensed agent.

🔍 Auto Insurance Methodology - Premiums are sourced from over 30,000 zip codes across 200 insurance companies. We estimate premiums based on policies seeking 50/100 in liability with $500 deductibles for collision and comprehensive coverage. Rates are based a 35-year-old single female with a good credit score and no history of accidents or violations driving a 2023 Toyota RAV4 LE. We assume no unique benefits or discounts are applied for these rates. Your own rates may be different.