Finding cheap car insurance in Maryland requires strategic shopping in a state with above-average rates. Maryland's position in the densely populated DC-Baltimore corridor and high traffic congestion contribute to elevated premiums. However, comparison shopping can help you find competitive rates.
Maryland offers a competitive insurance market with many carriers. Understanding Maryland car insurance requirements and available discounts helps maximize your savings.
Maryland Car Insurance Requirements
Maryland requires minimum liability coverage of 30/60/15—$30,000 for bodily injury per person, $60,000 for bodily injury per accident, and $15,000 for property damage. Uninsured motorist coverage and PIP are also required.
Maryland's PIP requirement covers medical expenses regardless of fault, affecting how cheap car insurance in Maryland is structured.
What Affects Maryland Car Insurance Rates
Your location within Maryland significantly impacts your car insurance rates. Baltimore City and Prince George's County have the highest premiums due to traffic density and theft rates. Western Maryland and the Eastern Shore have lower rates.
Traffic congestion in the DC-Baltimore corridor and high uninsured motorist rates affect Maryland auto insurance pricing statewide.
How to Save on Maryland Auto Insurance
Comparing quotes from multiple insurers is essential for finding cheap car insurance in Maryland. The rate differences between carriers can be substantial.
Take advantage of Maryland's discount opportunities including safe driver, multi-policy, good student, and anti-theft device discounts. Maryland also offers the MAIF program for drivers who have difficulty obtaining coverage.