Best Car Insurance in Maryland for 2025 [10 Standout Companies]

Nationwide, Allstate, and Farmers provide the best car insurance in Maryland, starting at $43 for all drivers and covering various insurance needs.

These companies are among the best for car insurance in Maryland because they offer significant discounts, especially for safe drivers. This car insurance guide highlights their strong credit claims and excellent customer assistance. Ready to find cheaper car insurance coverage? Enter your ZIP code to begin.

Our Top 10 Company Picks: Best Car Insurance in Maryland

We aim to provide the information you need to choose the best auto insurance in Maryland for your needs.

Keep reading to find out how we can help and get quotes on great car insurance rates for any state.

#1 – Nationwide: Top Overall Pick

Pros

• Strong Financial Stability: Nationwide, the best car insurance in Maryland, has an A+ A.M. rating, which ensures customers receive claims efficiently.
• Multi-policy Discount: Maryland drivers can save up to 20% on home, renters, or life insurance by bundling discounts.
• Vanishing Deductible Perk: Safe drivers in Maryland can cut their deductibles for up to $500 per year. Find out more about Nationwide’s car insurance review.

Cons

• Higher Than Average Premiums: Nationwide’s premium rates can be too expensive for high-risk drivers or those with poor credit.
• Limited Availability: Nationwide’s policies and discounts may not be accessible in all Maryland ZIP codes.

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#2 – Allstate: Best for UBI Savings

Pros

• Comprehensive Coverage Options: This offers accident forgiveness, new car replacement,  and rideshare insurance. Find out more in the Allstate car insurance review.
• Extensive Local Agent Network: With almost 10,000 agents across Maryland, policyholders benefit from personalized service and better claims support.
• Excellent Discounts & Rewards: Allstate, the best car insurance in Maryland, offers 10% off for bundling, and drivers can save up to 25% with Drivewise.

Cons

• Higher-Than-Average Premiums: Allstate’s rates can be higher than those of some competitors, making affordability a concern for customers.
• Mixed Customer Service Reviews: Some customers report slow claims processing and inconsistent support from agents.

#3 – Farmers: Best for Essential Discounts

Pros

• Extensive Discounts: Farmers’ car insurance reviews claim that the company offers discounts for bundling, safe driving, and good students, ensuring quality coverage at lower costs.
• Local Agent Network: Farmers, the best car insurance in Maryland, has a strong network of local agents who offer personalized service and expert guidance for claims.
• Customization Options: This policy allows for extensive customization and add-ons, such as new car replacement and accident forgiveness, for added protection.

Cons

• Higher Premiums: Farmers’ rates are often higher, which requires budget-conscious policyholders to compare prices if they don’t qualify for multiple discounts.
• Limited Digital Tools: Mobile apps and online tools lack advanced features, which makes digital policy management less convenient.

#4 – Liberty Mutual: Best for Hybrid Discounts

Pros

• Competitive Hybrid & EV Discounts: Offers a 25% discount for hybrid and electric vehicle owners in Maryland, lowering premiums for eco-conscious drivers.
•  Customizable Coverage: Provides accident forgiveness and new car replacement, allowing Maryland drivers to customize coverage.
• Convenient Mobile App: As one of the best car insurance companies in Maryland, Liberty Mutual’s mobile app allows easy policy management, 24/7 ID card access, and real-time claim updates.

Cons

• Higher Rates for Some Drivers: Liberty Mutual’s base rates may be higher than those of competitors, particularly for drivers with an accident history.
• Mixed Service Feedback: According to Liberty Mutual car insurance reviews, some customers report inconsistent claims processing and support.

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#5 – American Family Insurance: Best for Loyalty Rewards

Pros

• Exceptional Loyalty Rewards: American Family Insurance offers generous discounts for long-term policyholders, enhancing the value of the best car insurance in Maryland.
• Competitive Bundling Discounts: Customers can save up to 25% by bundling auto insurance with home, renters, or life insurance.
• Strong Customer Support: American Family Insurance car insurance review has a well-rated claims process and dedicated local agents, ensuring reliable service.

Cons

• Limited Availability in Maryland: American Family has a smaller presence in Maryland compared to its competitors, which may result in less accessibility.
• Higher Premiums for Some Drivers: Base rates may be higher for new customers or those without a history of loyalty.

#6 – Progressive: Best for Customizable Premiums

Pros

• Competitive Pricing and Discounts: It offers some of the lowest rates for the best car insurance in Maryland, with discounts for safe driving and bundling policies.
• Safe Driving Discounts: According to a Progressive car insurance review, drivers with a clean record can reduce their premiums and customize their policy coverage.
• Strong Digital Experience: Progressive’s user-friendly website and mobile app make it easy to manage policies, file claims, and get support, all available 24/7.

Cons

• Higher Rates for High-Risk Drivers: In Maryland, high-risk drivers pay higher premiums, making coverage less affordable.
• Mixed Customer Reviews: Some customers report slow responses, despite filing claims online quickly.

#7 – Travelers: Best for Discount Options

Pros

• Substantial Discount Opportunities: Provides discounts for safe driving, hybrid vehicles, and early quotes, making it an excellent choice for the best car insurance in Maryland.
• Flexible Coverage Options: Maryland customers can customize their policies to ensure the coverage that fits their lifestyle. See more on Travelers car insurance review.
• High Financial Strength: It is financially stable and enjoys a strong reputation for quickly paying claims, backed by an A++ rating from A.M. Best.

Cons

• Average Customer Satisfaction: Maryland drivers who often seek quick resolutions experience frustration due to mixed reports on customer service and claims handling.
• Higher Rates for High-Risk Drivers: High-risk drivers, such as those with a history of accidents or low credit scores, tend to pay higher premiums.

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#8 – State Farm: Best for Young Drivers

Pros

• Attractive Rates for Young Drivers: Provides competitive pricing for young drivers seeking the best car insurance in Maryland. See more in our State Farm car insurance review.
• Excellent Agent Support: A vast network of local agents ensures personalized service for Maryland drivers.
• Strong Financial Security: With an A++ rating from A.M. Best, State Farm guarantees reliable claims payouts, even during significant weather events.

Cons

• Higher Rates for High-Risk Drivers: Drivers who have been at fault in accidents may face higher premiums than other drivers.
• Limited Options for High-Mileage Drivers: State Farm does not offer pay-per-mile insurance, which can be less beneficial for low-mileage drivers.

#9 – Geico: Best for Technological Convenience

Pros

• Competitive Rates: It offers some of the lowest rates among the best car insurance in Maryland, ideal for budget-conscious drivers.
• Strong Digital Experience: Easy access to policy management, claims, and roadside assistance through the mobile app and website.
• Wide Range of Discounts: Maryland drivers can enjoy discounts for safe driving, multi-policy bundling, and vehicle safety features. See more on Geico car insurance review.

Cons

• Higher Rates for High-Risk Drivers: Drivers with accidents, violations, or poor credit may find better pricing with other insurers.
• Limited Local Agent Support: Geico focuses on online and phone services, offering fewer in-person assistance options in Maryland.

#10 – USAA: Best for Military Benefits

Pros

• Exclusive Military Benefits: USAA is the best car insurance in Maryland for military families, offering deployment discounts and accident forgiveness.
• Highly Competitive Rates: This company offers lower premiums than many competitors, ideal for Maryland drivers with clean records or bundled policies.
• Exceptional Customer Service: It is known for excellent claims service, high customer satisfaction, and user-friendly digital tools for managing coverage and filing claims.

Cons

• Membership Restrictions: USAA is limited to military members, veterans, and their families, restricting access for the general public. See more in our USAA car insurance review.
• Limited Physical Locations: Maryland drivers may find USAA’s lack of local branches inconvenient, as most services are online or via phone.

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Comparing Maryland Auto Insurance Rates

The right insurance provider offers more than low rates—it makes sure you’re covered if something happens to you or your car. This car insurance guide simplifies the details to help you choose the best coverage and provider in Maryland.

Scroll down to find everything you need to get the right policy fast.

Maryland Car Insurance Monthly Rates by Provider & Coverage Level

Maryland’s 4,431 miles of shoreline and 2.7 million acres of forest attract 42 million visitors annually, leading to heavy road congestion.

Choosing the right car insurance company is essential. This guide covers Maryland’s auto insurance laws, adding teenagers to a policy, and state-managed programs.

Average Monthly Rates (Liability, Collision, Comprehensive)

Maryland car insurance rates vary by location, as different municipalities charge different premiums. All drivers must carry insurance, provide proof of it before registering their vehicle, and maintain an active car tag. Knowing your car insurance coverage is crucial.

Where you live directly impacts your insurance costs. While Maryland’s premiums are higher than in some states, comparing quotes from multiple carriers can help lower your rates.

Understanding Maryland’s insurance regulations and exploring savings options is key to getting the best coverage at the best value.

Maryland Core Coverage Monthly Costs

The rates mentioned above are from 2015, so premiums for 2019 may be slightly higher. Understanding Maryland’s car insurance requirements helps you make informed decisions while researching and comparing local providers, which can help keep your costs low.

Maryland’s mid-range ranking for insurance costs might suggest that all insurers are the same, but careful research is essential. Failing to compare options could lead to higher costs and limited coverage.
Please keep reading to learn how we can help you find the best policy for your needs.

Minimum Car Insurance Requirements in Maryland

The minimum legal car insurance coverage required in Maryland is:

• $30,000 for bodily injury per person
• $60,000 for bodily injury per accident (two or more people)
• $15,000 for property damage per accident

As Maryland law requires, these coverage requirements ensure drivers can cover basic costs for injuries or property damage if they’re at fault in an accident.

NOLO also notes that:

Maryland’s at-fault system assigns financial responsibility for car accidents, covering injuries, lost income, vehicle damage, and related expenses for drivers. The at-fault driver must cover all accident-related costs using their insurance policy, personal financial resources, or other available payment methods.

Minimum Car Insurance Monthly Rates & Requirements by State

You are financially responsible for the damages if you cause an accident in Maryland. Failure to meet the state’s minimum insurance requirements can result in fines, penalties, and the loss of your driving privileges, vehicle tags, and registration.

If you must prove insurance, Maryland is among the 48 states that legally accept an electronic copy of your insurance card.

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How Gender Affects Car Insurance Rates in Maryland

Maintaining a clean driving record helps, but doesn’t guarantee low rates. Age, gender, and other factors also affect car insurance premiums. In fact, according to CFA,

48 percent of Americans think auto insurers charge men more for coverage than women. However, only 23 percent of Americans think women are charged more.

The reality is that older women usually pay more than their male counterparts, according to the national average.

Take a look at the table below to see how your age group stacks up in the Old Line State.

Maryland Car Insurance Monthly Rates by Provider, Age, & Gender

Teenagers remain the most expensive age group to insure. Still, insurance rates stay relatively stable across age groups regardless of gender. However, other factors also impact car insurance rates. Keep reading to learn more.

Read More: LM General Insurance Company Review

Maryland’s Cheapest Rates by ZIP Code

Many drivers are surprised to learn that location impacts car insurance costs. Living in a different ZIP code can mean hundreds of dollars in savings on premiums, even within the same city. Compare car insurance rates.

That is the reality of the car insurance market, so it pays to shop around.

Take a look at the following tables to see how your zip code compares to those around you.

Maryland 10 Cheapest ZIP Codes for Car Insurance

Zip code 21783 in Smithsburg has the cheapest car insurance rates.

Maryland 10 Most Expensive ZIP Codes

City life offers convenience but often comes with higher car insurance costs.

In Baltimore, where 611,648 residents call home, the average annual car insurance cost is $8,830.19. Meanwhile, in Smithsburg (population 2,976), residents pay significantly less, just $3,658.86 annually. Even within the same city, costs vary. For example, Inner Harbor residents pay about $1,000 less per year for car insurance than those living just a few miles away in Midtown Edmondson.

Keep scrolling to learn why location impacts your rates and how to get the best deal.

Maryland’s Cheapest Rates by City

Baltimore offers plenty of benefits for residents and visitors, but navigating its historic streets and car insurance options can be challenging.

We’re here to help you find the right car insurance provider, ensuring your protection and that of your loved ones.

Check the tables below to see how your ZIP code and city affect car insurance costs. You may also check the car insurance rates by state.

Cheapest Cities in Maryland for Car Insurance

Cavetown has the cheapest car insurance rates in Maryland.

Most Expensive Cities in Maryland for Car Insurance

Car insurance rates differ significantly between Smithsburg, with about 2,900 residents, and Randallstown, which has a population of approximately 32,000.

Given that more people means more cars on the road, it is no surprise that more densely populated places have higher rates. After all, more cars on the road usually translate to more traffic incidents, which inevitably result in more claims.

Suppose you ever find yourself in the unfortunate position of having to file a claim. In that case, knowing how your car insurance provider compares to others will be a comfort. That is where we come in.

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Maryland’s Cheapest Car Insurance Companies

Start by comparing Maryland’s cheapest car insurance rates to make an informed decision. The table below helps you identify the best provider for your budget.

Maryland Car Insurance Monthly Rates Compared to State Average

Many factors beyond location and gender impact your insurance rates. Keep reading to discover what insurers consider when setting your premiums.

Commute Rates by Company

Car insurance companies consider how much you drive when determining your rates. Longer commutes often mean higher premiums, so it’s essential to compare annual rates from Maryland insurers based on yearly mileage. See more in our carpooling tips.

The table below can help you put these numbers in perspective as you make your informed decision about which car insurance provider is best for you.

Maryland Commute Distances Car Insurance Monthly Rates by Provider

The data shows that USAA may be the best option for shorter commutes. At the same time, State Farm could be a better choice for frequent drivers due to its larger market share and lower complaint ratio.

Your chances of getting into a road accident increase directly with your driving duration. State Farm Insurance’s strong loss ratio suits drivers who make lengthy commutes because it indicates higher claim payment reliability.

Compare each car insurance company’s coverage levels and rates to find the best combination of value and protection.

Coverage Level Rates by Company

Now that you understand how loss ratio, market share, and time on the road impact your rates, consider the coverage you need.

The table below helps you compare options.

Maryland Car Insurance Monthly by Provider and Coverage Level

The more coverage you purchase, the higher your rates will be. Shopping around is essential. You may own an older car that requires less coverage or a classic vehicle needing special coverage. If you have a clean driving record but poor credit, shopping for a lower rate or adjusting coverage can help.

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Credit History Rates by Company in Maryland

You may wonder what your credit rating has to do with the price you pay for car insurance. In 2015, Consumer Reports gave all of America the answer with its surprising study, which revealed that:

Your credit score could have more of an impact on your auto insurance premium price than any other factor.

Take a look at the table below to see just how your credit score might impact your car insurance rates in the First Line State.

Maryland Car Insurance Monthly Rates by Provider & Credit Score

Maintaining a good driving record helps secure affordable car insurance. People with higher credit scores pay lower premiums because they are less likely to file claims.

Keep reading to find out how this is possible.

Driving Record Rates by Company in Maryland

Maryland uses a demerit point system, meaning your driving history directly affects your car insurance rates. Violations outside the state can also impact your record, according to the MVA.

Out-of-state violations that can be attached to your Maryland driving record include:

• Alcohol and/or drug offenses
• Vehicular manslaughter or homicide
• Using a motor vehicle during the commission of a felony
• And leaving the scene of an accident that involves bodily injury

Points on your driver’s license stay on the public record for three years from the date of the violation. The table below shows just how much these violations could cost you.

Maryland Auto Insurance Monthly Rates by Provider & Driving Record

Even a single ticket or accident can significantly raise your car insurance rates. Monitoring your driving record and credit report can help you find ways to lower your premiums over time.

Keep scrolling to find out other ways to save money when shopping for your policy.

Comparing Maryland Car Insurance Companies

Driving can be as enjoyable as finding a pearl in an oyster—until an accident happens. Without the right insurance provider, frustration and confusion can follow.

Before choosing a policy, check A.M. Best ratings for insurers in your area. Knowing their financial strength and reliability ensures you make the best choice for you and your family before you ever need to file a claim.

The Largest Companies’ Financial Ratings

A.M. Best is a trusted authority that evaluates the financial health and stability of insurance providers. As the only global credit agency specializing in the insurance industry, its ratings help consumers make informed decisions. Check out how car insurance works.

Check the table below to see A.M. Best’s top 10 highest-rated car insurance companies.

Best Rated Insurance Companies with Rating and Outlook

Choosing a company with an A++ rating from A.M. Best means selecting an insurer with a low loss ratio, which increases the likelihood of claim payouts when needed.

A higher A.M. Best rating reflects a more financially stable insurer, giving you more excellent protection if you’re ever involved in an accident. It also reduces the risk of complications should your provider face financial trouble or bankruptcy.

Companies with the Best Ratings

A.M. Best isn’t the only organization monitoring the car insurance market—J.D. Power also evaluates insurers, focusing on customer satisfaction. Their latest findings reveal that customer satisfaction with car insurance providers is at an all-time high.

Purchasing car insurance isn’t always a pleasant experience, but understanding customer complaints can be a powerful tool when comparing providers.

Companies with the Most Complaints

The complaint ratio is a key metric that shows how each insurer stands relative to its competitors. A baseline ratio of 1.0 means a company receives an average number of complaints. In contrast, a ratio above 1.0 indicates a higher number of complaints. This information can help you make an informed decision when choosing your policy.

Below is a list of the top 10 car insurance companies in Maryland, along with their complaint ratios, so you can compare each one.

Maryland Complaint and Loss

These numbers aren’t what they seem at first glance, though.

Comprehending the loss ratio requires taking market share details into account for any insurance provider.

Hartford Fire & Casualty’s low market position of 1.02% makes its poor customer satisfaction look relatively insignificant. Because Hartford Fire & Casualty serves fewer customers than Geico, the distribution of complaints remains thinner, even though the company maintains equivalent complaint rates with Geico.

USAA stands out through its competitive complaint ratio, which matches the market penetration of its business operations.

The Maryland Better Business Bureau and state regulatory options are resources for filing complaints against your insurer. Some of these options include:

• You can file a complaint online through the Maryland.gov website portal
• You can also hand-deliver your complaint form

Or you can print a hard copy of the Maryland Insurance Administration Complaint Form and mail, Fax, or email it to:

• MAIL: Maryland Insurance Administration, Attn: MIA Enforcement Unit, 200 St. Paul Place, Suite 2700, Baltimore, MD 21202
• FAX: (410) 468-2245
• EMAIL: [email protected]

Now that you understand the loss and complaint ratios, you can start shopping and comparing car insurance rates. Use this knowledge to find a reliable insurer with the best balance of affordability, service, and financial stability.

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Available Additional Coverage Options

Buying minimum coverage at budget insurer prices may appear financially beneficial, but it exposes your assets to significant risks. Marylanders who want better insurance protection should buy enhanced coverage, even if it means small increases in their insurance costs, because it will provide them with stronger financial security.

Suppose you purchase MedPay as an additional option. In that case, the injuries and deaths of your passengers in traffic accidents will be covered.

Some of what MedPay offers include:

• Surgical costs
• Medical expenses, including prescriptions
• Dental expenses
• And funeral costs

Being unprepared for accidents can lead to significant financial strain.

When choosing additional liability coverage, consider reviewing insurance company loss ratios. Analyzing Maryland’s loss ratio trends can provide insight into the state’s car insurance market and help you make an informed choice.

Maryland Loss Ratio by Coverage Type and Year

The loss ratios for PIP, MedPay, and Uninsured/Underinsured Motorist coverage indicate a healthy car insurance market in Maryland. This is good news for drivers, as loss ratios help assess insurers’ financial stability and reliability. Specifically:

• A High Loss Ratio (over 100 percent) indicates that the companies are losing money because they are paying out too many claims, which might force them to raise rates.
• A Low Loss Ratio indicates that companies overestimated the number and severity of claims and probably charged too much premium.

A car insurance company with a high loss ratio is more likely to pay claims when needed.

With 12% of Maryland drivers uninsured, ranking the state 23rd in the nation, having an insurer that prioritizes claim payouts can provide valuable financial protection.

Beyond choosing an insurer with a substantial loss ratio, you can enhance your protection by adding policy endorsements or coverage add-ons. Keep scrolling to explore the options that may be right for you.

Available Add-ons and Endorsements

While not required by law in Maryland, add-ons and endorsements offer extra protection when needed. Increasing your coverage can help with recovery after a total loss and provide support for towing if your car breaks down.

Some of the most valuable add-ons and endorsements include:

• Guaranteed Auto Protection (GAP): If your car is totaled or stolen, the insurance will pay any remaining balance owed on the lease or loan.
• Personal Umbrella Policy (PUP): When you reach your underlying liability limits, PUP kicks in to help protect you from lawsuits that may arise from an auto accident.
• Rental Reimbursement: Suppose your car is in the shop for repairs. In that case, rental reimbursement coverage helps cover the cost of a rental vehicle until your car is ready. (For more information, read our “Pros and Cons of Renting Your Car to Others“).
• Emergency Roadside Assistance: Avoid the stress of being stranded with emergency roadside assistance. This add-on covers the cost of roadside repairs or towing if your car breaks down or you get a flat tire.
• Mechanical Breakdown Insurance: This type of coverage helps pay for the cost of repairs to your car that did not result from an accident.
• Non-Owner Car Insurance: Suppose you drive but don’t own a car. In that case, Non-Owner Car Insurance provides limited liability coverage, ensuring protection even when driving a vehicle that isn’t registered to you.
• Modified Car Insurance Coverage: If you’ve customized your vehicle, Modified Car Insurance ensures that most upgrades and modifications are covered—protection that a standard policy may not provide in the event of an accident.
• Classic Car Insurance: This type of insurance provides specialized coverage for vintage vehicles, protecting your prized car. This type of policy often costs less than standard insurance, as classic cars are driven less frequently.
• Pay-As-You-Drive or Usage-Based Insurance: This type of coverage is based on your driving habits. The insurance provider takes into account your speed, distance traveled, and other such factors and issues discounts based on that information.
• Transportation Expense Coverage: If your vehicle is being repaired after an accident, you may need additional transportation costs, such as bus or cab fare. This type of coverage can help.

Shopping for car insurance is not just about protecting your vehicle from loss. Unexpected factors can also influence your premium, affecting how much you pay.

The Largest Car Insurance Companies in Maryland

A larger market share doesn’t always mean a better insurance provider. Examining market share alongside factors like complaint and loss ratios can help you make a more informed decision.

Plainly stated, market share is:

The percentage of an industry, or market’s total sales, that is earned by a particular company over a specified time period.

In this case, the industry refers to car insurance. The table below provides real numbers that illustrate how market share distribution affects your choices and what it means for you as a policyholder.

Maryland Car Insurance Market Share

Maryland has approximately 1.95 million registered vehicles, making it a significant market for car insurance providers.

Geico holds around 24% of the state’s car insurance market, demonstrating strong financial stability with $1,173,739 in Direct Premiums Written.

Number of Insurers by State

Maryland boasts 32 domestic insurers and 860 foreign ones, giving you 892 insurers from which to choose. Don’t know what the difference is between the two? You are not alone.

Simply put:

• A domestic insurer has been formed under the laws of the state of Maryland.
• A foreign insurer has been formed under the laws and jurisdiction of a state other than Maryland.

Ultimately, both options provide the required coverage in Maryland. The decision is based on personal preference and comfort with the insurer.

Understanding Maryland’s car insurance laws can help you navigate your policy more effectively. Keep reading for an overview of these regulations.

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Maryland State Laws

Maryland’s car insurance laws can be complex, but having a basic understanding of them before an accident can make navigating them more manageable.

Maryland is an “add-on state,” meaning lawsuits are not restricted. This makes knowing the law even more important. Additionally, insurers can deny coverage to high-risk drivers, making defensive and responsible driving essential for avoiding higher premiums and ensuring safety.

Understanding these regulations helps protect your finances and the safety of passengers, fellow drivers, bicyclists, and pedestrians.

How State Laws are Determined

Maryland is a “Fault State,” meaning the driver responsible for an accident is also responsible for covering damages.

To elaborate:

Maryland follows a traditional “fault” system regarding financial responsibility for losses from a car accident: injuries, lost income, vehicle damage, and so on. This means that the person at fault for causing the accident is also responsible for any resulting harm (from a practical standpoint, the at-fault driver’s insurance carrier will absorb these losses up to policy limits).

Maryland’s statute of limitations starts on the date of the accident, so filing claims is crucial. Being at fault in an accident may classify you as a high-risk driver, making it harder to find car insurance.

Keep scrolling to find out how we can help.

High-Risk Insurance

If classified as a high-risk driver, you can still find ways to lower your car insurance costs. While points stay on your license for three years under Maryland’s demerit system, shopping wisely and demonstrating responsible driving behavior can help you secure better rates.

Some of the ways that you can build confidence in potential insurance providers are:

• Cleaning up your credit
• Avoiding more tickets and accidents
• Taking a defensive driving class

This might also mean that you might not be able to get that chip in your windshield fixed without some out-of-pocket expenses.

Windshield Coverage

Maryland requires state safety inspections, making it essential to keep your windshield and wiper blades in working order. Proper maintenance ensures both compliance and safe driving conditions. See more in our safe driving tips. The Old Line State also requires that:

• All vehicles that were originally equipped with a windshield by the manufacturer do indeed have a windshield
• Windshield wipers must have blades that are capable of clearing rain or other types of moisture from the field of view effectively
• The windshield is made of safety glass
• Stickers are only present in the lower corners out of the field of view
• No items can be hung from rearview mirrors
• Only the top five inches of the windshield can have a non-reflective tint
• Cracks cannot intersect with other cracks
• And chips must be under 3/4 of an inch, and they must be more than three inches from other damage

Comprehensive coverage typically covers windshield damage, but filing a claim may lead to a rate increase, similar to risky driving behavior. However, Maryland drivers can access low-cost options to help manage repair costs without impacting their premiums.

Keep reading to learn more.

Low-Cost Insurance

If you have a good driving record, good credit, and just the right combination of demographics, then getting low-cost insurance is easy to come by. If you are like most people, though, chances are that not all of your ducks are quite in the same row.

There are more than a few options for the average person with a few flaws on their driving record or credit report or who might find themselves living just outside of the right zip code. Some of these options include looking for just the right discounts when shopping for your policy.

Some of the most common discounts include:

• Military Discounts
• Good Student Discounts
• Safe Driver Discounts

Be aware that giving your car insurance provider false information to get these discounts could land you in hot water.

Automobile Insurance Fraud in Maryland

When a person or entity commits fraud, it raises the prices for everyone. This is why it is best to avoid it at all costs.

Beyond your responsibility as a good citizen to refrain from committing fraud, committing car insurance fraud, in particular, could cost you more than you would ever save on your policy.

According to the Insurance Journal:

In 2017, Maryland Insurance Commissioner Al Redmer Jr. authorized $466,261 in fines, penalties, and restitution for insurance fraud cases. A total of 77 citizens faced civil orders and criminal charges for committing fraud.

In this instance, the risks do not outweigh the benefits, so why not try?

Be aware that if you do try it and are caught, criminal penalties include:

• Imprisonment for up to five years and a fine of $5000 for a person caught burning with the intent to defraud
• For code fraud acts where the value of the fraud is over $300, you could face felony charges
• For presenting false insurance claims, the fine can be up to three times the value of the claim, and imprisonment for up to 15 years if you are charged with a felony

There are also criminal and civil penalties for insurance fraud that include penalties such as:

• An administrative penalty of up to $25,000
• Civil action taken by the insurance company

At the end of the day, it is not worth it.

Statute of Limitations

As with all matters of law, you are required to file claims and lawsuits in a timely fashion. In the Old Line State, the time limit begins on the date of the accident and ends three years from that date.

Maryland also has a contributory negligence rule that persons filing a lawsuit should consider. This rule could prevent an injured person from collecting damages from an at-fault driver if it can be proven that the injured person’s own negligence also contributed to the accident.

That is not the only law unique to Maryland, either.

Maryland Specific Driving Laws

In Rockville, it is illegal to curse while driving, which makes for some inventive linguistics when stuck in traffic.

It is also illegal to import wild rabbits or hares, regardless of their living or deceased status, into the city of Baltimore to sell them, so you should probably leave them on the edge of town before driving through.

Alcohol critics must be certified in Maryland as well, and after they receive certification, they are permitted to receive free samples. If this is your chosen profession, then we suggest you designate a driver before heading to work. See more in our driving laws.

Vehicle Licensing Laws

Although Maryland has more than a few strange laws, the ones regarding vehicle licensing are pretty normal.

According to MVA, new residents to Maryland have 60 days to get their driver’s license changed over. Some of the documentation that you should bring with you includes:

• Proof of identity and residency
• Your out-of-state license if you are a new president, and a certified driving record from the previous licensing agency
• Proof of age
• Acceptable proof of current active duty status for military members
• Proof of discharge if you are on non-active duty

The test might also be waived for active-duty military members and their dependents in some instances.

MVA also provides an Online Document Guide for Immigrants who have foreign documentation but do not have valid accompanying U.S. Citizenship and Immigration Services documentation. If you are a foreign driver, you may also be required to bring the following with you:

• Your out-of-country license
• And proof that you completed a 3-hour drug and alcohol program if you have never had a U.S. driver’s license before

Maryland also participates in the federal program Real ID. For more information about how Real ID works in the Old Line State, MVA has provided an FAQ page.

While Real ID is still being debated, the penalties for driving without insurance in Maryland are not.

Keep scrolling to find out what they are.

Penalties for Driving Without Insurance

Driving without car insurance in the Old Line State could cost you big time. Some of these penalties include the loss of your license plates and vehicle registration privileges.

Driving without car insurance in Maryland could see you paying uninsured motorist coverage fees for each lapse in coverage of $150 for the first 30 days, and $7 for each day thereafter. You could also be forced to pay a restoration fee of $25 for your vehicle’s registration.

MVA also states that you could also be faced with:

A fine of up to $1,00 and/or one year imprisonment for providing false evidence of vehicle insurance.

For this reason alone, the smartest thing you can do is to maintain your auto insurance coverage in Maryland and refrain from false representation when dealing with the MVA.

Teen Driving Laws

Just like the law regarding car insurance requirements and driver licensing, some laws are specific to teenagers behind the wheel. The laws begin with the Rookie Driver Program, which is aimed at all new drivers regardless of age.

There are three stages to the Rookie Driver Program

• A learner permit
• A provisional license
• And a full license

Requirements for the learner’s permit are:

• Minimum age of 15
• If under 16, proof of attendance in school is required in a sealed envelope from the applicant’s school
• Parents or guardians must sign for minors
• Proper documentation demonstrating proof of residency and address (read our full “Learner’s Permit Insurance Coverage” for more information)

Restrictions include:

• Prohibition against cell phone use of any kind (including Bluetooth and hands-free devices)
• Must be accompanied by a qualified person who is over 21 years old
• The accompanying supervisory driver must complete the practice skill log

Requirements for the provisional license are:

• Minimum age of 16
• Successful completion of requirements for a learner’s permit
• No convictions or probations
• Completion of Maryland’s driver’s education program with an approved provider
• Completion of required practice hours under a supervisory driver

Restrictions include:

• Drivers under 21 may not have alcohol of any kind in their system
• If under 18, the driver cannot drive with passengers under 18 who are not immediate family members for the first 151 days
• No driving between 12 A.M. and 5 A.M. unless supervised by a driver who is 21 or older and has three years of driving experience or you are driving to or from work or an official school-sanctioned activity
• Must use a safety belt

Requirements for a full license are:

• Minimum age of 18
• Must hold a provisional license for a minimum of 18 months and be conviction-free

It may seem like a lot, but it is worth it to keep your teen and others safe while on Maryland’s roads.

Driver License Renewal Procedures

Teenagers are not the only ones who have laws specific to them. Older drivers also have laws that they must follow when it comes time to renew their licenses.

In Maryland, the average person is required to renew their license every eight years and only takes the vision test when renewing in person. Drivers over 40 must take the vision test at every renewal interval.

Maryland may also require information on your medical status, military standing, and marital status if any of this has changed since you were first issued your license in the Old Line State.

New Residents

As previously stated, you have 60 days to change your license once you establish residency in Maryland.

You are considered a resident if:

• Your permanent home is in Maryland
• You maintain a place of abode in Maryland for more than six months

As a resident, you are expected to know and comply with Maryland’s driving, vehicle registration, and driver’s licensing laws.

Proof of insurance is required to obtain a driver’s license or register a vehicle in the Old Line State.

Now that you know how to get your license in Maryland, we want to help you keep it in good standing. Keep reading to find out more.

Negligent Operator Treatment System

Knowing that Maryland licensing law uses the demerit driver’s license point system doesn’t mean much if you don’t understand which infractions cost you how many points.

The following things can add points to your driving record in Maryland if you are not careful:

• 1 point: disregarding a school crossing guard, traffic control devices, failing to yield, tailgating, driving below the speed limit, or between 1-9 miles over the speed limit.
• 2 points: multiple citations for a red light or stop sign violation, passing or failing to yield to emergency vehicles, and speeding between 10-19 mph over the limit
• 5 points: failure to report a crash, driving without insurance or a license, and speeding over 30 or more miles above the speed limit
• 6 points: reckless driving in any manner
• 8 points: DWI or failure to stop after an accident with damage to a vehicle or property
• 12 points: using a car without proper consent or stealing one, license, or registration fraud. or a DUI

So what happens when you accrue points? The MVA has laid out the following guidelines:

• 3 to 4 points: You will get a warning letter.
• 5 to 7 points: You will be required to enroll in a Driver Improvement Program (DIP).
• 8 to 11 points: You will get a notice of suspension from MVA
• 12 or more points: Your license will be revoked

Rules of the Road

There are rules of the road, no matter which state you reside in. Knowing what they are in Maryland could help you keep your driving record clean and your car insurance rates low.

Knowing the rules of the road can also help keep others around you safe, which is always a good thing.

Keep reading to find out how we can help you become a well-informed driver and how you can keep yourself and your passengers safe when you head out on the highway.

No-Fault Vs. At-Fault

You already discovered that Maryland is a fault state, meaning that the driver who causes the accident will bear the brunt of the financial consequences.

The opposite end of the spectrum is a no-fault state, which is an:

Auto insurance system in which each driver’ own insurance company pays for certain losses, regardless of fault.

Whether you live in a fault state like Maryland or a no-fault state like Florida, certain laws cross state lines, like the laws that govern seatbelt use. Who is required to wear one and when may differ from state to state, though.

Seatbelt and Car Seat Laws

According to IIHS, all passengers 16 years or older in all seats must wear a seatbelt. The fine for being caught without one is $50.

Any passenger 7 years old or younger who is less than 57 inches must be in a safety seat, and children between the ages of 8 and 15 who are at least 57 inches tall must wear a seatbelt as well. The penalty for failure to comply with this is also $50.

Maryland’s safety belt law is a primary enforcement law, which means that a law enforcement officer can stop you and issue you a citation for it even if you have committed no other offenses.

Keep-Right and Move-Over 

In addition to safety belt laws, Maryland has both a keep-right and a move-over law.

The Keep Right Law in Maryland states that you must move to the right lane if you are traveling 10 mph under the speed limit or driving slower than the speed of traffic.

Maryland’s Move Over Law is designed to keep emergency personnel safe when they are operating on the side of the road. This law was recently expanded to include not just firetrucks, police cars, and ambulances. The law now incorporates transportation service vehicles, utility vehicles, trash trucks, and recycling trucks into itself.

Speed Limits

Maryland also has speed limits that vary by location. The maximum speed on the interstate or expressway in the Old Line State is 70 mph, and 55 mph on most other highways.

Some specific speed limits are also as follows:

• 15 miles per hour in Baltimore County alleys
• 30 miles per hour in business districts
• 30 miles per hour on undivided highways in residential districts
• 35 miles per hour on divided highways in residential districts
• 50 miles per hour on undivided highways in non-residential districts and
• 55 miles per hour on divided highways in non-residential districts

Business and residential areas generally have a speed limit of between 30 and 35 mph, but you should always be aware of your surroundings and keep an eye out for speed limit signs.

Ridesharing

Ridesharing is becoming a trendy way to get around nowadays. It is also a popular way to make some extra side cash for many people. Anyone wishing to engage in this endeavor should know the laws and insurance requirements first, though.

Maryland’s official state website states that, unlike carpooling, Rideshare is not covered under your car insurance policy. The site goes on to say that:

Typically, you will need to purchase a commercial policy to have the appropriate coverage.

You should check with your provider about Maryland commercial auto insurance requirements before taking on your first paying passenger at any rate, just to be safe.

Ridesharing is not the only thing that is gaining popularity. The use of automation and crash avoidance technology is also on the rise. Read on to find out how this will impact your future.

Automation on the Road

Automation and crash avoidance technology have been proven to help reduce crashes. From backup cameras to lane assist and automatic braking, the future of America’s roads is looking safer every day.

According to the IIHS, if passenger vehicles had been equipped with crash avoidance technology just a few years ago, nearly 55,000 injuries could have been prevented.

Cash avoidance technology is not the only product on the market designed to keep Maryland residents safer while on the road.

At the moment, companies and organizations that would like to test their autonomous vehicles in the Old Line State must get a permit, but at this rate, full automation might be more than a Sci-Fi pipe dream.

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Safety Laws

Technology is not the only thing trying to keep Maryland Residents safe. The Old Line State has also enacted laws to help its residents, including DWI, DUI, and distracted driving laws.

There is a time and place for everything, and some things do not belong behind the wheel. Scroll down to find out what they are.

DUI and DWI Laws

Maryland distinguishes between a DUI and a DWI when it comes to the law. A DUI in the Old Line State is not to be taken lightly either way.

Get caught with a BAC of 0.08 and you will be at the legal limit. Push it to 0.15, and you will be considered to have a high BAC. A DUI carries with it some heavy penalties.

Here is how things break down by offense:

• First Offense could result in up to $1,000 in fines and up to one year in jail
• Second Offense could land you with a $2,00 fine and two years in prison, as well as 12 points on your license

Two convictions in two years could also see you wind up with a mandatory period of license suspension, followed by a minimum required period of participation in the Ignition Interlock Program

You could also be required to take an alcohol abuse assessment and program.

The penalties for DWI are no less harsh.

• First Offense up to a $500 fine and two months of possible imprisonment as well as eight points on your license. You will also face a six-month license suspension (or a year if you are under 21)
• Second Offense, up to a $500 fine and possible one-year imprisonment with eight points placed on your license. You will also face a license suspension of 9-12 months (or 2 years if you are under 21).

Just don’t do it is the best advice.

Distracted Driving

Too many people text while driving has become the norm, which is frightening considering how dangerous it is. Maryland state law prohibits the use of a handheld phone while operating a motor vehicle.

The Old Line State does not distinguish between how you are using the device, either. Texting is as bad as eating, so put the phone or hairbrush down to avoid the ticket or the fine.

Maryland considers distractions as such:

• Texting
• Using a cell or smartphone
• Eating/drinking
• Grooming
• Talking to passengers
• Reading (Yes, even reading a map)
• Using a navigation system
• Watching a video or playing with the radio, or using other musical devices

Maryland’s Vehicle Theft Problem

Like all things in life, driving in Maryland has risks. These risks can often go beyond the expected, like distracted driving.

Everything from sunset to an unsecured load or sudden snowstorm could present a road hazard. Keep reading to learn the many ways that you can help avoid property loss, vehicle theft, or even driving fatalities.

The number one stolen vehicle in the Old Line State is a 2003 Dodge Caravan.

Most Stolen Vehicles in Maryland

You may not own any of the vehicles on the list, but it is still a good idea to have comprehensive car insurance to ensure that you are covered against theft, vandalism, or a natural disaster.

Remember that thieves and Mother Nature are indiscriminate in how they pick their victims. Deer and falling debris are also indiscriminate.

Vehicle Thefts by City

The data below was gathered from the FBI website and shows the top 10 cities in Maryland in terms of vehicle thefts.

Maryland Motor Vehicle Thefts by City

Looking at the table, it is easy to assume that Baltimore is a very dangerous city. The reality is that Baltimore’s sheer size means that there are more people and, thereby, more possibilities for crime rather than actually having a high crime rate.

Still, it is not a bad idea to consider carrying additional coverage options beyond the minimum state requirements because you never know where you live.

Road Fatalities in Maryland

Sometimes, no matter how careful people are behind the wheel, a fatality can occur.

Keep reading to find out how Maryland rates in some of the things that can quite often result in this type of crash.

Fatal Crashes by Weather Conditions and Light Conditions

Sometimes, just the right time of day can result in the wrong type of accident.

Traffic Accidents by Weather Condition and Lighting in Maryland

As you can see from the table, driving at night can be dangerous. Always remember to wear your seatbelts and use your high beams only when there is no oncoming traffic. See more in our driving safely during calamities.

Fatalities by County

Take a look at the table below to see how your county ranked in the number of fatalities over a five-year trend.

Maryland Traffic Fatalities by County

These numbers may seem frightening if you live in one of the counties with the highest rates of fatalities, but they don’t have to. Driving responsibly and obeying all traffic laws can help you and your passengers stay safe while out on the road.

Urban Vs. Rural Traffic Fatalities

Common sense dictates that people who live in places with a higher population density are more likely to be involved in an accident.

Rural areas also experience their fair share of accidents and fatalities, though. The table below proves that.

Traffic Fatalities in Maryland by Year and Area

The choice is simple: Slow down, pay attention, drink responsibly, and obey all traffic laws and speed limits.

The NHTSA has collected data on a variety of ways to sort the fatality data for Maryland. Keep reading in order to find out what these statistics mean to you.

Fatalities by Person Type

The data collected by the NHTSA reveals that white-occupants and non-occupants are the most common fatalities in accidents involving automobiles in Maryland.

The second most likely to die in a car crash, both as occupants and non-occupants, are Blacks, followed closely by unknown races and unknown non-Hispanics. What this means is that everyone who drives in the Old Line State should do so defensively.

Fatalities by Crash Type

NHTSA also revealed that accidents involving a single vehicle accounted for most of the fatalities on Maryland’s roadways. Many of these fatal car accidents also involved road departure and speed as factors.

Keeping your eyes on the road and your hands on the wheel could help reduce these numbers. Easing off the gas pedal or leaving the house earlier so that you don’t feel compelled to speed could also help you avoid a fatal crash.

Fatalities Involving Speed by County

Everyone is in a hurry, and we all have places to be. Sometimes, though, slowing things down can prevent a terrible accident.

Maryland Coverage by Incident

According to NHTSA, Prince George’s, Baltimore, Anne Arundel, and Baltimore County are the top four for fatal crashes involving speed.

Speed doesn’t have to be a killer, though. It is better to arrive alive, after all.

Fatalities in Crashes Involving an Alcohol-Impaired Driver

Ranked right next to speeding, drunk driving is one of the leading causes of fatal accidents in Maryland.

Alcohol-Related Traffic Fatalities in Maryland

Drinking and driving is not worth your life. Call an Uber or call a friend.

Teen Drinking and Driving

Maryland ranks 39th in the nation for the number of DUI arrests that involve people under the age of 18. There were 60 just in 2018 alone.

Be aware that if you are caught drinking and driving while under the legal age, the penalties could include the following:

• You could lose your license for a minimum of 30 days
• Your license could be revoked

You will also be subject to arrest would prove embarrassing and costly to both you and your parents.

EMS Response Times

Should you happen to be involved in an accident that involves injury, it is comforting to know that trained medical professionals are on their way. Response times may vary from urban to rural areas, though. See more in our body injury insurance.

Rural areas are further away from the dispatch center, which could slow things down. On the other hand, if an EMS is dispatched to you at the height of rush hour in Baltimore, the response time could be much higher than normal.

Best to just drive responsibly and defensively and save yourself the wait altogether.

Our free online comparison tool allows you to compare cheap car insurance quotes instantly — just enter your ZIP code to get started.

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The Transportation Situation in Maryland

There are plenty of ways to get around in the Old Line State, but most people prefer to travel by private motor vehicle.

Given Maryland residents’ mobility and the number of cars on the road, congestion inevitably occurs.

Keep scrolling to find out what so many cars on the road mean to you as you navigate your way through all of your options for auto insurance providers.

Car Ownership

In 2017, Data USA reported that the typical Maryland household owned 2 cars on average.

Owning two cars means twice the price of car insurance, which is where we come in. We provide you with the data you need to make money-conscious, educated decisions when purchasing your policy. Given the amount of congestion and the average commute time, good car insurance is a must in the Old Line State.

Traffic Congestion in Maryland

At the end of the day, more traffic means more congestion, and Maryland lays claim to some of the most congested cities in the country.

Baltimore ranks 41st in the nation for congestion, which probably comes as no surprise to anyone who has sat in it. This is expected since Baltimore is the largest city in Maryland.

Congestion is not just a headache, either. It can cost you money. In 2017 alone, congestion caused the average driver in Baltimore to lose approximately 50 hours, costing them $1,220.

The Acceptable Forms of Financial Responsibility in Maryland

You are responsible for the damages if you cause an accident in Maryland. Failure to meet the state’s minimum insurance requirements can result in fines, penalties, and the loss of your driving privileges, vehicle tags, and registration. See more on how car insurance works and how your coverage works.

The evidence of insurance coverage that you provide to the Maryland Vehicle Administration (MVA) must include the following:

• The name of the insurance company
• The name of the authorized agent (if applicable)
• The policy or binder number

To register a vehicle, you must provide proof of ownership. You also need the Application for Certificate of Title (form #VR-005). Maryland also requires that you provide:

• A Maryland Safety Inspection Certificate
• Proof of the vehicle’s value for identification
• Lien information if the car is purchased with borrowed money
• Lien release if the title shows that a lien exists but has been paid off
• Power of attorney if someone other than you will be signing the titling forms

Maryland also has an Excise Tax of 6 percent.

Proof of insurance is required when purchasing, registering, or titling a car in Maryland and during traffic stops. Since October 1, 2016, drivers must provide valid proof of insurance upon request from law enforcement.

Your Insurance Identification card must have the following information on it:

• first-named person on the liability policy
• vehicle covered under the liability insurance policy
• and the period of coverage which the liability policy is in effect

Maryland accepts both paper and electronic proof of insurance. While some may be tempted to drive without coverage due to high rates, the risks far outweigh the savings.

Failing to provide proof of insurance can result in fines and penalties. Keep scrolling to learn how we can help you stay compliant and avoid these issues.

How Premiums Impact Your Income

Maryland ranks 34th in the nation for car insurance costs, and premiums are expected to keep rising nationwide.
With insurance costs increasing, maximizing the value of your policy is essential. Maryland residents spend about 2.34% of their annual income on car insurance, so it pays to make an educated decision when buying car insurance.

Maryland residents have a per capita disposable income of $46,875 annually, with an average of $1,116.45 spent on car insurance yearly. This breaks down to about $93 per month from a monthly budget of $3,906 per person.

The best car insurance rates in Maryland have seen only a slight increase in consumer costs. While Maryland ranks mid-range nationally, neighboring Delaware ranks 43rd, and Pennsylvania ranks 11th, despite similar income percentages spent on coverage. This highlights how insurance expenses vary by state.

Maryland residents pay about $140 more annually than the national average of $935.80. However, there are ways to reduce costs, such as adjusting coverage limits or taking advantage of safe driver and student discounts.

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Maryland’s Car Culture

From the National Aquarium in Baltimore to the historic Fort McHenry, there is something for everyone to see and do when in the state known as America in Miniature.

Maryland also boasts nearly 32,000 miles of roadway to get you where you would like to go. With a state population of 6 million people added to the influx of around 42 million tourists, these roads can seem more than just a little congested.

Maryland does offer a plethora of options for transporting you and your family around the Oyster State, though, if you choose not to drive. Some of the most popular options available are:

• Water Taxi
• Public Transit
• Train
• Ridesharing

Given that Maryland is first in the nation in terms of the longest commute times, it is no wonder that so many people are letting someone else drive.

Whether you are in Maryland for business, pleasure, or just because you are lucky enough to call the Old Line State home, the sheer number of people on the roads means that, eventually, you will end up in traffic.

When this happens, you, your passengers, and your vehicle are protected in case of an accident.

Understanding what is covered under the best car insurance in Maryland laws will increase your confidence behind the wheel.

All of the information that we have provided you here is meant to help you be better informed and more confident as you move through the process of purchasing your car insurance policy.

Finding the best car insurance in Maryland doesn’t have to be a challenge. Enter your ZIP code into our free comparison tool to find the lowest prices in your area.