On average, your neighbors pay $84 a month.See Your Rates
Maryland is known as The Old Line State. Here at QuoteWizard, we’ve compiled useful insurance information from industry and government sources which you can use to find the cheapest car insurance rates.
This page will show you which types of coverage are legally required in Maryland, inform you about important insurance laws, and provide both information about the cost of driving, and some insights about insurance risk in Maryland, all to help protect you and your family.
How much is car insurance in Maryland? Drivers here pay more on average for car insurance than most US drivers. High crime, and the frequency of car accidents per capita are only some of the factors contributing to the elevated insurance rates. On average, auto insurance in Maryland costs $1,016.81 per year. The national average price is $889.01.
Prices will vary depending on your limits, coverage, zip code and the total number of claims filed.
|Total Cost Per Year||$1,016.81|
|Price Per Month||$84.73|
|Source: Facts + Statistics: Auto insurance|
The graph below shows the change in average Maryland rates from 2011 to 2015, the most recent year the data is available. According to the III, Maryland car insurance rates increased from $956 in 2011 to $1,016 in 2015, a jump of $60 dollars, or 6.35 percent.
If you want car insurance in Maryland that offers reliable coverage at an affordable price, you need to shop around. To do this, you have to compare quotes from multiple insurance companies. But that can be a hassle if you do it on your own. Thankfully, QuoteWizard makes it a lot easier.
We’ll help you by introducing you to a number of top insurance companies. Then you can compare rates and decide which coverage options are the best for your situation. That means less legwork and, better yet, lower costs.
Last year, 43,040 people used QuoteWizard to compare auto insurance quotes in Maryland from multiple companies to lower their rates.
Last year, these were the 10 most common car insurance companies reported by QuoteWizard users living in the state of Maryland. Out of the 43,040 Maryland drivers that used QuoteWizard to request insurance quotes last year, 3,776 had no car insurance.
These are the most common vehicles owned by Maryland drivers requesting car insurance quotes through QuoteWizard in the past year.
Nearly all US drivers are legally required to carry a minimum level of insurance, but those levels vary significantly from state to state. In Maryland, drivers need to follow what is known as the 30/60/15 rule when it comes to their insurance policies.
This means that any policy must include the following:
Maryland also requires its residents to carry uninsured motorist coverage. This additional mandatory coverage protects you and your passengers from injuries sustained in crashes involving:
Maryland requires residents to maintain uninsured motorist coverage levels equal to the minimum liability requirements:
In 2012, it was estimated that 12.2% of Maryland drivers had no car insurance.
In an effort to protect its motorists from rising medical costs, Maryland requires drivers to include $2,500 of Personal Injury Protection (PIP) per person on their car insurance policies. PIP pays medical bills, loss of income, and helps defray other costs regardless of fault in an accident.
Personal Injury Protection generally covers the following:
Maryland’s extreme weather can create driving hazards. Hurricanes are not unheard of there, and the damage they can do to a vehicle is not covered by minimum coverage. Comprehensive coverage gives you protection against natural disasters plus fire, theft, and other damages not caused by a car crash
The minimum liability required by a state will pay for damages to the other driver, but it doesn’t cover your costs. Look into full coverage to protect your pocketbook. Also, it doesn’t take much for the cost of an accident exceed your basic liability limit. In order to make sure you’re protected, we suggest:
Unlike most states, Maryland only requires proof of insurance under certain circumstances including:
The only proof of insurance accepted by the MVA is a Maryland Insurance Certification (FR-19). Identification cards from your insurer and copies of your policy will not be accepted as proof of insurance. Signing this form is a promise to maintain the state’s minimum insurance for the duration of your vehicle’s registration period.
Maryland Insurance Certification (FR-19) Facts:
If you’re convicted of operating a vehicle in Maryland without insurance, you could face the following penalties on top of any punishment or fines imposed by a court of law:
While many states require an SR-22, Maryland residents that have had their driver’s license suspended due to drunk driving convictions, reckless driving, driving uninsured or other serious violations may be required to file a Maryland Insurance Certification (FR-19).
To combat distracted driving on state roadways, Maryland has enacted legislation that limits driver use of cell phones and electronic communication devices. These limitations include:
Maryland reports that in 2011 a total of 29,050 people were injured and 231 lost their lives in distracted driver-related crashes.
Maryland’s Implied Consent law requires that any driver submit to testing to determine the alcohol or drug content of their blood, breath, or urine when stopped by law enforcement if they reasonably believe that you’ve been driving while impaired (DWI). Refuse the test and you’ll face the following penalties in addition to the penalties for a DWI:
If you drive or operate a motor vehicle in the state of Maryland with a Blood Alcohol Content (BAC) of 0.07%, you are guilty of Driving While Impaired (DWI).
The penalties for a first offense DWI conviction are:
The penalties for a second DWI conviction are more severe:
If you drive or operate a motor vehicle in the state of Maryland with a Blood Alcohol Content (BAC) of 0.08% or higher, you are guilty of Driving Under the Influence (DUI). This is a criminal offense with severe penalties.
The penalties for a first offense DUI conviction are:
The penalties for a second DUI conviction are more severe:
After a third DUI conviction the penalties increase to:
In 2010, Maryland reported 177 deaths in crashes involving alcohol or drugs. These fatalities represent 36% of the 496 total deaths on Maryland roadways. Each year, over 8,000 impaired driving crashes occur on Maryland roadways and 35% of these result in injury.
Any minor less than 21 years of age convicted of operating or attempting to operate a motor vehicle with a Blood Alcohol Content (BAC) of 0.02% or higher will have face the same penalty as adults for a first offense DUI:
The number of Maryland drivers under 21 who were involved in crashes with alcohol in their systems decreased by 11 percent since implementation of the state’s Zero Tolerance law.
The driver’s license renewal cycle in the state of Maryland is every 5 years. When driver’s turn 40, they must pass a vision test at their next renewal and every subsequent renewal.
Maryland requires the use of seat belts for all drivers and passengers 16 years of age or older. The maximum fine for seat belt violations is $83.
In 2012, Maryland estimated that 91.1% of drivers and passengers used seat belts, a decrease of 3.1% compared to 2011 when it was estimated that 94.2% wore seat belts.
When you drive a vehicle in Maryland that’s required to be registered in another state, you must have the type of insurance required by that state.
The average cost of car insurance in Maryland in 2015, was $1,016.81 compared to a national average of $889.01. Maryland is ranked the 11th most expensive state for car insurance.
In 2014, there were 442 traffic fatalities in Maryland, a 5% decrease from the state’s 465 traffic fatalities in 2013.
Maryland had 13,102 vehicle thefts reported in 2014, a 2.3% decrease compared to 2013 when 13,417 vehicles were reported stolen. In 2014, the vehicle theft rate was 219.2 per 100,000, a decrease of 3% from the 2013 rate of 225.9 per 100,000.
The vehicle theft rate in Maryland is slightly higher than the overall US vehicle theft rate, which was 216.2 per 100,000 in 2014.
Some cars are more prone to theft than others, be sure to check the list below to see if your car is a target on the streets.
Source: National Insurance Crime Bureau - Hot Wheels Report 2014
In 2012 it was estimated that 12.3% of drivers on Maryland roads had no car insurance. This number is nearly equal to the national average of 12.6% and ranks Maryland 22nd in the nation for uninsured motorists.
|8||1.7%||Maryland Automobile Insurance Fund (MAIF)|
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