Maryland Car Insurance Quotes
Maryland is nestled in the northeastern corridor of the U.S., bordering crowded Washington, D.C., Delaware, Virginia, and Pennsylvania. Its population density is among the highest in the country, which may be why residents pay more for auto insurance. The average monthly Maryland car insurance payment is $195, slightly more than the nationwide average of $189. Other elements, including driver age and driving record, vehicle model, coverage type, and consumer profile, can influence Maryland car insurance rates. We considered those factors in our analysis.
Read on to learn more about properly insuring your car in Maryland.
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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.
Cheapest Insurance in Maryland
We partner with insurance experts to analyze millions of data points and get you the best car insurance in Maryland.
If you're in the market for a Maryland car insurance policy, it's smart to compare quotes.
| Rank | Insurance company | Average monthly premium |
|---|---|---|
| 1 | GEICO | $104 |
| 2 | USAA | $112 |
| 3 | Travelers | $130 |
| 4 | State Farm | $136 |
| 5 | Nationwide | $157 |
| Avg. monthly premiums are weighted by zip code population sizes | ||
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
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How much will I save switching insurance providers in Maryland?
Premiums are sourced from over 30,000 zip codes across 200 insurance companies. We estimate premiums based on public filings for policies seeking 50/100 in liability with $500 deductibles for collision and comprehensive coverage. Estimated rates are based on 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 partner with Quadrant Information Services to source our data and assume no unique benefits or discounts are applied for these rates (unless otherwise stated). Your own rates may be different.