Maryland Car Insurance - Auto Insurance Quote in MD
Maryland is known for many things, including being the birth state of Yankee slugger Babe Ruth, who was born in Baltimore. CarInsurance.com is known for providing winning auto insurance. Put them together and Maryland motorists are guaranteed a confident and happy driving experience with top-rated protection.
| Current average car insurance premium in Maryland | $1,805.24 |
| Current average car insurance premium U.S. | $1,602.16 |
| Baltimore | $2,496.64 |
| Columbia | $1,966.08 |
| Check out our car insurance rates in more Maryland cities | |
[Let CarInsurance.com help you find affordable auto insurance now.]
Maryland motorists do pay more than the rest of the country. Wonder how Maryland's car insurance quotes have been trending? CarInsurance.com's Average Premium Trend Tool reveals the state's auto insurance rates during the past months. You can learn Maryland's annual average premium by taking the mouse over the points.
The state's residents have a large group of quality insurance carriers to choose from at CarInsurance.com. They'll give you all the details necessary to make the appropriate decision for your individual needs. This site will also inform you about Maryland's state requirements for insurance and what other drivers are paying throughout the state.
Maryland state law requires minimum Bodily Injury Liability limits of $30,000 per injured person up to a total of $60,000 per accident, and Property Damage Liability coverage with a minimum limit of $15,000. This basic coverage is often referred to as 30/60/15 coverage with 30/60 UM limits.
Minimum Required Insurance Coverage in Maryland*
*Bodily Injury Liability: $30,000/$60,000 Limit
Property Damage Liability: $15,000 Limit
*Uninsured/Underinsured Motorist Bodily Injury: $30,000/$60,000
Uninsured Motorist Property Damage: $15,000 Limit
Personal Injury Protection: $2,500 Limit
*Requirement for higher limits effective Jan. 1, 2011.
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) 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 $30,000 per person up to a total of $60,000 per accident for any bodily injury caused by the uninsured and/or underinsured driver.
CarInsurance.com starts the policy process by first gives the Minimum State Required package as determined by Maryland insurance regulators. But you can also tailor coverage that reflects your driving by choosing personalized limits on deductibles and other components. Helpful and patient car insurance agents licensed in Maryland are available.
It's a good idea to not assume that the insurance companies are required to match general policy rates set by state insurance regulators. They do have to meet Maryland standards but also have flexibility in setting overall prices. That means you should shop around, using CarInsurance.com along the way.
If thieves in your town appreciate your car in an entirely different way than you do, you’ll wind up paying more for your car insurance. See Maryland’s most-stolen rides:
