Cheap Maryland car insurance

Car insurance premiums in Maryland vary depending on the type of coverage you choose, your driving history, and even where you live within the state. According to Bankrate, Maryland drivers pay an average of $2,637 annually* for “full coverage” car insurance, which typically includes liability, comprehensive, and collision insurance. For those who opt for the state minimum coverage, the average cost drops to around $981 per year*.

All drivers must meet or exceed Maryland state auto insurance requirements to legally operate a vehicle. Mandatory coverages include:

Bodily injury liability insurance can help pay the costs of injuries you cause to others in an accident. In Maryland, the minimum coverage is:

• $30,000 per person

• $60,000 per accident

Property damage liability insurance can help cover the costs of damage you may cause to another person's property while operating your vehicle. Maryland state insurance requirements mandate drivers to carry a minimum of:

• $15,000 per accident

Uninsured/underinsured motorist coverage (UM/UIM) can help protect you financially if you're involved in an accident with a driver who either has no insurance or doesn't carry sufficient coverage. Maryland drivers are required to carry these four coverages:

• Uninsured/underinsured motorist bodily injury

• Uninsured/underinsured motorist property damage

Maryland law requires UM/UIM limits of 30/60/15—or $30,000 per person and $60,000 per accident for bodily injury and $15,000 per person for property damage.

Personal injury protection (PIP) insurance, also sometimes known as no-fault insurance, is designed to help cover medical expenses, lost wages, and other related costs after a car accident, regardless of who's at fault. In Maryland, you can select full or limited PIP coverage.

• Full PIP covers:

• You and members of your household in any motor vehicle accident

• Anyone injured in your vehicle

• Pedestrians injured by your vehicle

Limited PIP will cover pedestrians and minor children, but waives coverage under any motor vehicle liability insurance policy for:

• You

• All drivers listed on your policy

• Family members in your household who are 16 years of age or older

An SR22 form is a certificate of financial responsibility required for certain drivers in Maryland—typically those who have committed serious traffic offenses such as DUI or driving without insurance. An SR22 is not insurance or a type of coverage but rather a form that verifies you're carrying insurance that meets Maryland state insurance requirements.

We file all SR22s with the state at the end of the day to get you back on the road as fast as possible. There's no fee to file an SR22 form in Maryland.

Car insurance discounts can significantly lower your premiums and make car insurance much more affordable. We offer a variety of discounts in Maryland you may qualify for, including:

• Multi-vehicle

• Homeowners

• Prior insurance/Transfer

• Paid in full

• Advanced quote

• Good driver

• Defensive driver course discount

Maryland has unique driving laws designed to keep its roads safe. For example:

• Seat belts or other age-appropriate safety restraints must be worn by all vehicle occupants

• Handheld cell phone use while driving is prohibited

• You must move over for stopped cars with hazard lights flashing

You can find more detailed information about these laws and other driving requirements in the Maryland Driver's Manual.

Access to the right resources can help you stay informed and safe on Maryland's roads. Here are some organizations to contact for more information:

The Maryland Department of Transportation (MDOT) oversees the state's transportation systems, including roadways and public transportation. MDOT provides valuable information on road conditions, construction projects, and travel advisories. For assistance, you can contact MDOT online or by phone at (410) 865-1142.

The Maryland Motor Vehicle Administration (MVA) handles driver's licenses, vehicle registration, titling, and other essential services for Maryland drivers. Contact the Maryland MVA, take advantage of online services, or call (410) 768-7000.

The Maryland Insurance Administration regulates insurance companies and ensures compliance with state laws. They offer resources for consumers to understand their rights and can help resolve disputes with insurers. You can reach out online or by phone at (800) 492-6116 for more information.