Cheap Car Insurance Rates in Maryland (2023)

Compare Auto Insurance Rates in Maryland

Maryland Auto Insurance

Maryland auto insurance rates and requirements are a little bit different from other states. But if you want to have good quality yet cheap auto insurance in Maryland, you need to learn about their laws and auto insurance statistics. Then you can truly be prepared.

Car Insurance Requirements in Maryland

In Maryland minimum auto insurance requirements are:

  • $30,000 worth of bodily injury or death coverage per person
  • $60,000 worth of bodily injury or death coverage per accident
  • $15,000 worth of property damage coverage

These are all types of liability coverage, but you also need to have PIP (Personal Injury Protection) of at least $2,500 and uninsured/underinsured motorists coverage with a minimum equal to liability coverage limits. These are necessary for all drivers in order to comply with Maryland state car insurance laws. Collision and comprehensive are not required, but many drivers choose to purchase them.

Is Maryland a No-Fault State?

Like many states, Maryland is a fault state when it comes to car insurance. Drivers are all responsible for the damage that they do to others when they cause a vehicle accident with injuries or property damage.


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Car Insurance Prices in Maryland

The prices for car insurance in Maryland are typically higher than prices in most other areas of the country. State minimum insurance generally runs around $1,115 per year, with full coverage insurance ranging near $2,083. If you have teenage drivers in your home they will have the highest premiums until they reach their 20s and the rates begin to fall. A driver between 35 and 75 years of age can expect to pay the lowest rates when compared to other age categories.


<qa>1;Car Insurance for Young Drivers, New Drivers and Teen Drivers;When it comes to affordable car insurance for 16 - 18 year olds in Maryland, finding something that works is not always easy. Generally, this age group can expect to pay more than $3,000 in premiums annually. Shopping around and looking for discounts can help.</qa> 

<qa>2;Car Insurance for Students (18 - 24 year olds) in Maryland;Getting into college means the beginning of the end of extremely high insurance rates. At 18 the rates are still very high, but by the time the student has turned 22 the rates will be below $2,500 for most drivers.</qa> 

<qa>3;Car Insurance for 24+ Year Olds in Maryland;The age of 24 is where car insurance rates begin to settle out. Then, most adults will pay the typical average rate of around $1,599 per year in Maryland.</qa> 

<qa>4;Car Insurance for 55 (and Over) in Maryland;Premiums for auto insurance are lowest at the age of 55. Then they slowly begin to increase again as the driver ages. Elderly drivers have higher premiums, but not at the level of teenage drivers.</qa> 

<qa>5;Car Insurance for Veterans in Maryland;Some of the car insurance companies in Maryland may give discounts to veterans. Checking with agents and companies can help veterans see what discounts they can receive.</qa> 


AgeMost Popular VehicleGenderMost Common City
18 - 24HondaMale - 57% | Female - 43%Baltimore
25 - 54ToyotaMale - 54% | Female - 46%Baltimore
55 - 64FordMale - 45% | Female - 55%Baltimore
65 +FordMale - 44% | Female - 56%Baltimore

* This information is based on users.

Auto Insurance for Good Drivers

With good driving habits, good drivers have lower insurance rates. They see fewer accidents and tickets, and in many cases their driving record is completely clear. That good behavior on the road is rewarded by insurance companies who charge these drivers less for their coverage.

Auto Insurance for Bad Drivers

Even someone who is generally a good driver can make mistakes. A driver with a bad record of accidents, tickets, DUIs, and other problems is generally going to pay more for their car insurance. This is because the insurance company sees them as a higher risk, so they charge more to cover their vehicles.

Traffic Violations and Fines in Maryland

Speeding Ticket Cost in Maryland

Speeding ticket costs are variable, since counties handle them. But anyone ticketed for speeding in the state can expect to pay several hundred dollars in fees and fines. Reckless driving in Maryland will add to those costs, and can also mean points on a driver's license. Naturally, that results in higher rates for insurance, too.

Driving While High Laws in Maryland

Driving while high is illegal, and falls under the DUI laws of Maryland. Operating a motor vehicle under the influence is about more than just alcohol.

Driving Without Car Insurance in Maryland

Not having car insurance is a real problem in Maryland. Drivers who are found not to have it can face penalties like fines and the suspension of their license. They could even have their vehicle impounded. Even for a first offense, penalties can be harsh.

Texting and Driving in Maryland

Distracted driving is generally about texting and other cell phone use while driving, but there are other things that can distract a driver. For example, eating while driving is also an issue. While not everything that distracts a driver is illegal, any distraction can contribute to an accident.


<twitter>According to the law in Rockville, Maryland, no one may swear while on the highway.</twitter>


Maryland Car Accidents

There were a total of 651 people killed in car accidents in Maryland in 2006. Since that time the numbers have started to drop, but the use of cell phones behind the wheel is slowing the progress. The number of 2017, for example, was 557. Car accident statistics also show that alcohol use and the age of the driver are big predictors as to whether there will be an accident and the severity of the injuries.

Reasons for Car Accidents in Maryland

The major reasons for car accidents in Maryland is distracted driving. The average teenager sending a text message looks away from the road for five seconds at a time. That's long enough to travel the entire length of a football field if the driver is moving at 55 mph. A lot can happen in that length of time and at that distance when the driver is not looking at the road.

Car Accident Statistics by Vehicle Type in Maryland

Car accidents involving smaller cars that get better gas mileage are becoming more common, simply because of the number of these vehicles on the road. Additionally, these accidents are causing higher levels of serious injuries because of the small size of the vehicles.

Car Accidents in Maryland - More Facts

While 65 percent of the accidents in Maryland do not produce injuries, there were more than 51,000 people injured in traffic accidents on Maryland roads in 2016. Around 3,500 of these injuries were severe. Drunk driving laws are a part of this, as harsher penalties are needed. Drivers under 25 are also responsible for a higher number of accidents than older drivers.

Bonus: Most Weird, Funny and Ridiculous Traffic Laws in Maryland

  • Baltimore City lets you spit on the sidewalks, but spitting on the roadway is prohibited.
  • It's illegal to take a lion to the movies in Baltimore, so if you're putting a lion in your car maybe head to a different city for your night out.


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