Maryland Car Insurance
Everything You Need to Know About Auto Insurance in Maryland
Maryland has it all, from the Appalachian Plateau to the Battle Creek Cypress Swamp to the Blue Ridge Region. Among this beautiful topography, residents and visitors have much to enjoy, such as investigating the living reef at the National Aquarium in Maryland’s largest city, Baltimore, or exploring one of the over 60 state parks, including Harriet Tubman Underground Railroad National Park.
Whichever route you take and for whatever reason, having the best auto insurance in Maryland is crucial for providing financial security in case of unexpected emergencies. At InsureOne, we provide white-glove service so you can be on your way with the reassurance that you have the right — and affordable — coverage.
How Much Does Car Insurance Cost in Maryland?
Drivers pay an average of $2,273 per year for full coverage car insurance in Maryland, while minimum coverage costs around $840. This is about $200 more than the national average of $2,014 for full coverage and $622 for minimum coverage.
There are a number of contributing factors to these higher premiums: Maryland’s weather includes an average of three tornadoes each year, thunderstorms, and about 44 inches of annual rainfall. Roads may flood in places like Annapolis and Fells Point from tropical storms and hurricanes moving up the East Coast, with peak time falling in July through August. The number of fatal accidents in Maryland has also increased in recent years.
Insurers consider the part these factors play in the risk of auto coverage claims and price coverage accordingly.
What Does It Mean If Maryland Is an At-Fault State?
Maryland is an at-fault state. Different states have different auto insurance rules. Drivers in at-fault states are responsible for all the damage caused by the crash. This is when your insurer steps in and pays the cost – up to your policy limits. In no-fault states, each driver pays their own medical bills, but the driver who caused the crash pays for the property damage.
Ask your agent about Maryland’s at-fault rules to get a better understanding of how these rules may affect you.
Affordable Car Insurance Rates Comparison by Cities in Maryland
City size does not necessarily determine rates, as shown in the chart below, which provides average rates for cities with different-sized populations:
| City | Full Coverage Insurance | Liability Insurance Coverage |
|---|---|---|
| Baltimore | $242 | $58 |
| Columbia | $210 | $73 |
| Germantown | $199 | $72 |
| Bethesda | $172 | $57 |
| Towson | $231 | $81 |
| Salisbury | $182 | $60 |
| Rosedale | $247 | $92 |
| Garrison | $265 | $97 |
We arrive at our average auto insurance costs by using a male driver, aged 30, with a clean driving record. Liability coverage is the state‑required minimum. Full coverage is a 100K/300K/100K policy. Your costs will be different and based on your individual factors.
How Bundling Can Save Money in Maryland
No matter where you live in this state, you can save money by bundling your coverage with one insurer. Many homeowners in Waldorf and Germantown, as well as renters in Wicomico County and elsewhere in Maryland, earn a healthy discount when they bundle their coverage with auto insurance.
Be sure to ask your agent about other types of coverage you may need, such as a motorcycle, boat, or business owner policy, to bundle your coverage and earn the best savings. When you bundle your auto and homeowners policy, you may save up to 25% on both policies, while bundling auto coverage with your renters policy can save you up to 15% on both policies. Plus, you benefit from easier policy and bill management.
When you want to avoid running around town, just visit your one-stop insurance shop. Your InsureOne agent will shop around to find you top-tier coverage for all your coverage needs.
Auto Insurance Discounts in Maryland
Besides the multi-policy discount known as bundling, you can add even more savings to your policy by applying additional discounts. Some discounts take into account your driving history, car information, or your more personal details, such as your age.
Here are a few discounts that may be available:
- Telematics
- Good driver
- Multi-vehicle
- Good student
- Safety features
- Military or federal employee
Be sure to ask your insurer for a list of all available discounts to determine your eligibility.
Agents are happy to customize a policy just for you to find the right one for your unique circumstances with the most affordable rates.
Maryland Car Insurance Laws
Each state carries its own car insurance requirements. Maryland DMV insurance requirements state that drivers must have auto insurance to register their vehicles. Here is more information about the Maryland auto coverage requirements:
What Are the Mandatory Car Insurance Requirements in Maryland?
The state requires its drivers to carry a certain level of coverage, as shown here:
- Bodily injury liability per person: $30,000
- Bodily injury liability per accident: $60,000
- Property damage liability per accident: $15,000
- Uninsured/underinsured motorist coverage: $30,000 per person; $60,000 per accident; and $15,000 in property damage coverage
The state requires insurers to offer $2,500 in PIP, which is a good idea to maintain if you have insufficient health insurance. However, you may decline this optional coverage.
You may consider increasing your liability policy limits to avoid paying out of pocket in the event of a serious accident. Maryland’s auto insurance laws require insurers to increase uninsured motorist coverage limits when increasing your liability limits. You must notify your agent if you wish to decline this “increase matching.”
You may submit proof of your policy electronically through the Maryland Motor Vehicle Administration.
What Is the Penalty for Driving Without Insurance in Maryland?
You must show proof of insurance when requested to do so by a police officer. If you are caught driving uninsured, in addition to fines imposed by the court, you face the following:
- Loss of vehicle registration
- Uninsured motorist penalty fees
- Vehicle registration restoration fee
- Confiscation of your license plate by a tag recovery agent
You may also be prohibited from registering other vehicles and renewing your suspended registration until your violations are cleared. If you provide false evidence of a policy on your vehicle, you face a fine of up to $1,000 and up to one year of jail time.
While some states require an SR-22 insurance certificate for high-risk drivers, Maryland does not.
What Factors Does Maryland Law Allow in Determining Your Premiums?
Insurers in the state consider the following when figuring out your premiums:
- Age
- Gender
- ZIP code
- Vehicle age
- Marital status
- Driving record
When you are ready to get affordable car insurance in Maryland, your InsureOne agent will take all your information and put together a personalized quote of high-quality insurance options for you at competitive prices.
What Happens If I Damage Property?
If you crash into another car in heavy traffic on I-95, rest assured that your liability insurance will cover the cost up to your policy limits. Even if you crash into a fence or some other property on Chesapeake Avenue in Annapolis, your liability is there to pick up the tab. If that little fender bender turns out to cost $20,000 — or $5,000 more than your liability property damage coverage of $15,000 — you will pay out of pocket for the rest. You will also have the expense of paying for your own car damage.
For this reason, you may want to purchase extra coverage in the form of increased liability limits and add-on coverage. Collision coverage pays for your own car in an accident, while your PIP coverage pays for your medical.
To make it a full coverage car insurance policy in Maryland, be sure to also ask your agent about comprehensive coverage, which covers non-collision loss from events like fire, floods, vandalism, and theft.
Once you provide your specific details, your agent can offer you auto insurance options in Maryland to find the one that best suits your situation.
Driving Conditions in Maryland
A recent report stated that almost 30% of Maryland’s major roads, especially around Baltimore, are in poor condition. When paired with congested roadways that lack safety features, drivers face greater fuel consumption and additional vehicle maintenance. Storms and flooding may appear suddenly due, in part, to the state’s coastal location. These factors also contribute to traffic fatalities, which have risen in recent years.
You can stay up to date with changing weather and driving conditions, including accidents, on Maryland’s Department of Transportation website, to help keep yourself safe on the road.
You can also give yourself the satisfaction of knowing you have premium coverage to step in when an unexpected calamity happens in your travels. Your InsureOne agent can help you find the coverage you need and help put your mind at ease with the confidence that you are covered.
How Many Crashes Occur in Maryland?
Maryland’s Motor Vehicle Administration reported 476 fatal accidents in the state in 2025. The department broke these down by county. To see in which cities some fatal accidents happened in 2023, see the chart below:
| City | Annual Average Number of Fatal Car Crashes |
| Baltimore | 40 |
| Columbia | 0 |
| Germantown | 0 |
| Bethesda | 0 |
| Towson | 0 |
| Salisbury | 0 |
| Rosedale | 0 |
| Garrison | 0 |
Uninsured/Underinsured Motorists in Maryland
In Maryland, in 2023, 16.9% of drivers had no auto insurance, ranking the state 14th among the 50 states for the highest percentage of uninsured drivers. Despite these statistics, the state-required uninsured/underinsured motorist coverage (30/60/15) helps protect you financially from these drivers.
Get the Best Car Insurance in Maryland Today
If you are ready to compare car insurance quotes in Maryland, come to InsureOne. Our expert agents do all the work for you by shopping around to find you high-quality coverage. We also provide car insurance discounts in Maryland to help you save on your policy.
You can stop wondering, “Where is the best auto insurance near me?” At InsureOne, you can expect concierge bilingual service, whether you want more in-depth answers to “What are the car insurance laws in Maryland?” or you are ready for a quote. You can get started by contacting us in one of three easy ways — by phone at (800) 836-2240, through an online form, or in person at your local Maryland office.
FAQs
How Much Does Car Insurance Cost in Maryland?
You will likely pay a different price for your auto insurance premium than your friend across town due to your differing personal factors. But drivers in this state pay an average of $2,273 per year ($189 per month) for full coverage and $840 per year ($70 per month) for minimum coverage.
What Are the Minimum Car Insurance Requirements in Maryland?
Maryland requires drivers to carry liability ($30,000 bodily injury per person, $60,000 bodily injury per accident, and $15,000 property damage per accident), and uninsured/underinsured motorist coverage ($30,000 in bodily injury per person, $60,000 per accident, and $15,000 in property damage). This mandatory coverage helps protect you from financial loss in an accident.
Is Maryland an At-Fault or No-Fault State for Car Insurance?
Maryland’s at-fault status means the driver who caused the crash must pay for the damage through insurance or out of pocket when the accident costs go over policy limits.
What Factors Influence Car Insurance Rates in Maryland?
Maryland insurers review your personal details like age, sex, marital status, and credit history, along with local and statewide statistics, including auto theft, accident rates, and risk of severe weather, when figuring out your premiums.