The Old Line State

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Maryland Auto Insurance

Even though it isn't a large state, Maryland has a lot of big things going for it. Its cultural diversity is unlike anything you'll find anywhere else, and the scenic beauty makes being outdoors joyous and exhilarating. While the state has a great deal of public transportation infrastructure, most people need a car to get from place to place on a daily basis. Because your vehicle is one of your biggest investments, you need to make sure it is protected against the financial problems that can stem from collisions, theft and weather-related damage.

Auto Insurance rates in Maryland can vary more than you might think from one insurance company to another. That’s where Auto Insurance Specialists can help!

Try our simple form for an AIS Instant Quote®. This quote will be a range of our Auto Insurance partners' rates for the coverage you select, and you can pick the price you like, too.

Required Auto Insurance in Maryland

Before you are legally allowed to drive in Maryland, you must obtain three different types of Auto Insurance coverages. The first kind is Liability coverage, which covers any property damage or medical bills incurred by people in an accident for which you are held responsible. Next, you must maintain Uninsured Motorist coverage in the event that a driver who does not have Liability Insurance collides with your vehicle. This coverage will pay to fix your vehicle and address any health care costs you might have up to the policy limit. Finally, it's also the law in Maryland for drivers to have Personal Injury Protection (PIP) coverage. This type of coverage helps pay your medical bills resulting from an accident regardless of which party is at fault.

State Minimum Liability Coverage in Maryland

  • BI or Bodily Injury: $30,000 per person, $60,000 per accident
  • PD or Property Damage: $15,000 per accident

State Minimum Uninsured Motorist Insurance in Maryland

  • BI or Bodily Injury: $30,000 per person, $60,000 per accident
  • PD or Property Damage: $15,000 per accident

State Minimum Personal Injury Protection (PIP) in Maryland

  • BI or Bodily Injury: $2,500 per person, per accident

To learn more about specific Auto Insurance coverage, visit our Car Insurance Coverage page.

Optional Coverage in Maryland

Even though Maryland requires drivers to maintain these three types of Auto Insurance coverages, there are additional optional coverages that are offered by most insurers. These additional coverages cover different types of scenarios that can potentially lead to substantial fiscal problems. Only you can decide which of these policies is right for you and your family, but AIS is here to help.

Below are some examples of optional coverages you may want to consider:

  • Collision Coverage*: Research indicates that it costs about $3,000 on average to have a car fixed at an auto shop in the United States. Unless you have this kind of money lying around, you could be in a bind if you damage your vehicle while driving it. Collision coverage will help you pay a repair facility to fix your vehicle (up to the policy limits), so you don't have to worry about being without a working vehicle for an extended period of time.
  • Comprehensive Coverage*: The possibility of auto theft is an uncomfortable reality in Maryland. If you only have the minimum insurance required by law and your vehicle gets stolen, you are responsible for purchasing a new one. But if you have a Comprehensive policy, your insurance company will give you the fair market value of your vehicle. You would also receive these funds if your car was totaled due to flooding, fire or vandalism.
  • Higher Bodily Injury Limits: Let's say you cause a serious auto accident by colliding with a vehicle that is occupied by an entire family. Or maybe you are held responsible for a chain-reaction collision on the freeway that involves several vehicles. If your Bodily Injury payout is capped at $60,000, which is what would happen if you bought only the minimum Liability Insurance to satisfy the law, then you might have to cover any unpaid medical bills out of your own pocket. Raising your Bodily Injury limits on your Liability policy will help safeguard you from dealing with this type of financial crisis.
  • Higher Property Damage Limits: Sadly, it's not too difficult to cause $15,000 in property damage in an auto accident. If you total a new sedan or SUV or even moderately damage a luxury vehicle, that figure can be reached in a hurry at many auto shops. That's why you should consider increasing your property damage limits on your liability insurance above the mandatory minimum; otherwise, you could be emptying your bank account and writing a fat check to an auto repair shop for someone else's vehicle.

*Although Collision coverage and Comprehensive coverage are not required by law, they may be required in your car loan or lease contract with the lender.

Given the amount of compulsory Auto Insurance that you must maintain in Maryland, it's tempting to dismiss the idea of optional policies altogether. But you may be surprised at how affordable these insurance "extras" are and buying them may pay off in the long run if you cause an accident. A qualified AIS agent can answer any question you might have about optional coverages that are available in Maryland.

Most Stolen Car Models in Maryland

If you drive a car that tends to be targeted for theft, you could see higher Auto Insurance rates for your vehicle. In 2017, these were the top 10 cars that were stolen in Maryland according to

  1. Honda Accord
  2. Dodge Caravan
  3. Toyota Camry
  4. Ford Pickup (Full Size)
  5. Nissan Altima
  6. Honda Civic
  7. Hyundai Sonata
  8. Toyota Corolla
  9. Acura TL
  10. Jeep Cherokee/Grand Cherokee

Maryland Auto Insurance Discounts

Given how much coverage the state makes you obtain in Maryland, it would be in your best interest to do whatever you can to save some money. Thankfully, there are a number of different Auto Insurance discounts for which you may qualify.

Examples of these Maryland Auto Insurance discounts include:

  • Safe Driver
  • Multi-Vehicle
  • Good Student
  • Accident Free
  • Anti-Theft
  • Multi-Policy

To learn more about specific discounts, visit our Discounts page.

It is possible to live in Maryland and fully rely on public transportation to get around. But life is so much easier if you have a car, as long as you also have sufficient financial protection from auto-related accidents in the form of Auto Insurance. Otherwise, you may find yourself in a situation where you're paying thousands of dollars either for medical bills or property damage.

Auto Insurance Specialists has over four decades' worth of experience in not only finding affordable Auto Insurance policies for their customers, but also making sure that their customers are adequately protected against the pitfalls of being in an accident. If you contact AIS today, you'll be presented with multiple policies side-by-side, so you can choose the one that's ideal for you. The helpful AIS staff stands ready to assist you with all of your Maryland Auto Insurance needs.

Start a Maryland Auto Insurance Quote Today: (888) 772-4247 Get Online Quote

About Maryland

When you register your vehicle in Maryland, you need a Maryland Insurance Certification.

As a Maryland resident, the state's Motor Vehicle Administration continuously monitors your Auto Insurance status electronically.

Notable Maryland Attractions

Ocean City Boardwalk

Chesapeake Bay Maritime Museum

Harriet Tubman Underground Railroad Visitor Center