Maryland Car Insurance Rates - Auto Insurance Quotes in MD
Maryland's State motto: "Fatti maschi, parole femmine ("strong deeds, gentle words." )"If you are shopping for auto insurance in Maryland, you are at the right place. CarInsurance.com offers strong, reliable carriers. We want customers to shop and pick the best company that is competing for their business. Getting a quote is easy and you get to compare the rates from multiple companies so you know you are getting a good deal with the right coverage. The only way to save on car insurance is to shop for car insurance. The best rate last year is not the best rate this year!
Maryland state law requires minimum Bodily Injury Liability limits of $20,000 per injured person up to a total of $40,000 per accident, and Property Damage Liability coverage with a minimum limit of $15,000. This basic coverage is often referred to as 20/40/15 coverage with 20/40 UM limits.
Maryland Coverage:
Bodily Injury Liability: $20,000/$40,000 Limit
Property Damage Liability: $15,000 Limit
Uninsured/Underinsured Motorist Bodily Injury: $20,000/$40,000
Uninsured Motorist Property Damage: $15,000 Limit
Personal Injury Protection: $2,500 Limit
The state of Maryland follows a Tort system meaning someone must be found to be at fault for causing the accident, and that person and their insurance company is responsible for all the damages. You should be aware that the details of a tort system vary from state to state.
Personal Injury Protection (PIP) in your coverage helps pay for "reasonable and necessary" medical expenses for you and your passengers. Maryland state law requires a minimum Personal Injury Protection coverage of $2,500.
To help protect against damages caused to you and your passengers by an uninsured driver, Maryland state law requires a minimum Uninsured/Underinsured Motorist coverage of $20,000 per person up to a total of $40,000 per accident for any bodily injury caused by the uninsured and/or underinsured driver (depending on the state).
Get the car insurance you need for your city or any of these other cities in Maryland... Get an auto insurance quote now.
Quotes available in all of Maryland, including:
The average auto insurance premium for residents in Maryland was $978 in 2003; the national average was $914. Some people think the state and insurance companies fix the rates, so they never shop around for better rates. Insurance companies segment their rates differently so everyone's rate will be different with each company. You have to shop around to see if you are saving money. CarInsurance.com helps you find the competitive rates and discounted prices available in Maryland, so average Marylanders can get a better-than-average low rate on their auto insurance.
2007 had the first decrease in rates since 1999. 2007 had a .5% to 1% decrease in car insurance rates from 2006. In 2008, rates are expected to slowly rise again! Sites like CarInsurance.com recognize that the only way to save is to shop. We bring competition directly to the consumer and lower your costs through technology!
Visit the
U.S. Car Insurance Requirements page to see how Maryland state laws compare to other states.
Rates also change over the years and especially in a state like Maryland, if you are not careful you could end up paying too much for your auto insurance. Looking back, the average auto insurance premium in 2000 was about $828; it increased 18.12% in just 3 years! Since then rates have fluctuated. Don't waste your money paying high insurance premiums, start saving now by spending 10 minutes comparing rates on CarInsurance.com.
For those with a great driving record and even those with the not-so-great driving record, we can give you the best rates available in Maryland. We believe it is very important to take care of yourself and your property, and CarInsurance.com has the most affordable rates in Maryland. We allow you to compare the rates and purchase on one site. All the residents of the Old Line State know that to get the low cost rates from a reliable company, CarInsurance.com is the only name you need to know.
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