- Maryland liability insurance requirements
- Why is liability insurance so cheap?
- How do I get cheap car insurance in Maryland quotes
- Lowest cost insurance for young drivers for Maryland liability insurance?
- Most Affordable liability insurance with DUI, accidents, and violations in Maryland
- Cheapest with Bad credit and Poor credit for Maryland liability insurance
- Cost For Liability Only In Maryland (By City)
- Who Has The Lowest Liability Price In Maryland? (By City)
- Should I Upgrade From Liability Insurance To Full Coverage: Cost By City in Maryland
- Frequently Asked Questions About Maryland Liability Auto Insurance
- INSURANCE SERVICES WE OFFER
- Other Helpful Links:
- Maryland Liability Insurance Article
Maryland liability insurance requirements
When shopping for Maryland liability insurance it’s great to keep in mind what the minimum coverage limits are to legally drive in the state.
Liability insurance which includes bodily injury and property damage is needed to cover and protect any driver that would be found financially responsible in any event the accident that you are at fault for causes any damage to the victim’s vehicle or well-being.
There are types of circumstances that this coverage applies which are including when you are paying for hospital and medical bills, lost wages, pain and suffering, rehabilitation, and in-home services, and in some cases, bodily injury liability can cover legal defense if you are sued for the incident that you caused.
There are three limits needed in all states to drive legally which are the maximum amount that your insurance company would pay for a single injury, the maximum amount the carrier will pay for all injuries, and the maximum amount owed per accident for property damage.
Specifically, in Maryland, uninsured and underinsured motorists property damage coverage and personal injury protection are also required in your policy.
Personal injury protection in Maryland helps also cover medical bills while an uninsured motorist helps protect you in case the driver you come into contact with has little to no coverage at all.
The minimum limits for Maryland are 30,000 for bodily injury per person, 60,000 for bodily injury per accident, and 15,000 for property damage per accident.
Why is liability insurance so cheap?
Liability insurance is the cheapest option in price point when it comes to auto mobile insurance since it only provides coverage for damages that occurred to the other party if you were found at-fault within the accident. If you are at-fault in the accident, your liability insurance does not pay for any damages for yourself or your vehicle. However, if the other driver is deemed at-fault, then their liability insurance will pay for your damages only up to the limit they have set on their insurance policy.
If you want more coverages to add on to your auto policy then you can expect the price point in the premium to increase as well. It is always recommended to have additional coverages on an insurance policy.
As previously mentioned with how liability insurance works, if the at-fault driver has no insurance when they hit you, then you would need to go to court to settle the case which can take some time. This is where Uninsured Motorist would come in to play on your policy (if you had chose to have this additional coverage added on), this coverage would “act” as if the other driver did have liability insurance and will pay for your bodily injuries sustained in the accident, only up to the limit that is set.
How do I get cheap car insurance in Maryland quotes
The best way to find the best insurance quote for yourself is to first shop around different insurance broker companies and carriers to get a general estimate of how much your premium could come up to.
In order to get a quick estimate you are going to need four important pieces of information that include personal info such as your address, your birth date, your job title, your driver’s license number, and your marital status.
Next, you would need all your vehicle information such as how much mileage of your car, the make, model, and year of the car, and most importantly the vin number of your car as well.
Furthermore, the insurance broker-agent or the carrier representative will ask you to describe your driving history for the last five years like if you had any claims, violations, accidents or any driving courses that you may have taken.
Lastly, it is crucial to let the company you are wanting to insure with if you previously had or have insurance because some companies are wary of giving insurance to a driver that could be considered high-risk or to help the client get discounts if you per se haven’t had a lapse of insurance of if you had a clean record for the last few years so it’s important to have all this information handy to make the process move smoothly.
Lowest cost insurance for young drivers for Maryland liability insurance?
When it comes to young drivers, they typically pay more because they are less experienced at driving. For this reason, insurance companies will consider them to be a higher risk to insure with.
Down below are some of our companies that offer the cheapest rates despite that:
Average Monthly Rates Young Drivers
| Company | Average Price |
|---|---|
| National General | $136 |
| Progressive Insurance | $146 |
| Mendota Ins. Company | $149 |
| Farmers | $155 |
| Dairyland | $156 |
Most Affordable liability insurance with DUI, accidents, and violations in Maryland
When shopping around for insurance it can be quite difficult to get coverage when you have violations, a DUI, and accidents on your record. Violations on your record are the history of your time being behind the wheel that is recorded by your state’s Department of motor vehicles.
Violations can range from traffic citations, red-light infractions, hit and run, ad speeding past a school zone.
Furthermore, a DUI is when a driver decides to drive under the influence whether that be alcohol or marijuana, and if you are involved in an accident under the influence the consequences can be as strict as getting your license revoked.
All these key components are important for insurance companies on whether they want to insure someone that is high risk and also how much more your premium could be compared to a driver that has a clean record.
Top 5 Average Monthly Rates In Maryland
| Car Insurance Company | Average Monthly Payment |
|---|---|
| Geico | $153 |
| Nationwide | $153 |
| Progressive Insurance | $155 |
| GAINSCO | $161 |
| Dairyland | $164 |
Cheapest with Bad credit and Poor credit for Maryland liability insurance
When trying to find the cheapest Maryland liability insurance there can be obstacles some clients face such as having bad\poor credit.
The reason why this can be considered more challenging is that credit in general is a key factor that plays a part in whether your premium is high or low.
When insurance companies look into your credit score they try and determine how risky are you to insure with them. If your credit score is low enough your payments can be twice as much compared to a client that has a clean record.
Therefore, looking into car insurance is important to make sure your credit score is decent s you won’t have to pay more money in the long run.
Maryland liability insurance rates with Bad Credit
| Company | Average Cost |
|---|---|
| Mendota Ins. Company | $159 |
| 21st Century | $162 |
| Bristol West | $164 |
| GAINSCO | $164 |
| Geico | $164 |
Cost For Liability Only In Maryland (By City)
| City | Average Price |
|---|---|
| Hagerstown | $108.00 |
| Hyattsville | $95.00 |
| Woodlawn | $92.00 |
| Gaithersburg | $94.00 |
| Clarksburg | $108.00 |
| Langley Park | $102.00 |
| Waldorf | $107.00 |
| Owings Mills | $107.00 |
| Arbutus | $101.00 |
| Fairland | $96.00 |
| Rockville | $86.00 |
| Towson | $110.00 |
| Catonsville | $103.00 |
| Aspen Hill | $105.00 |
| Reisterstown | $101.00 |
| Rosedale | $100.00 |
| Fort Washington | $89.00 |
| Camp Springs | $105.00 |
| Bethesda | $101.00 |
| College Park | $93.00 |
| Edgewood | $105.00 |
| Greenbelt | $105.00 |
| Cumberland | $101.00 |
| Pikesville | $97.00 |
| North Laurel | $108.00 |
| Severna Park | $93.00 |
| Germantown | $100.00 |
| Baltimore | $97.00 |
| Annapolis | $90.00 |
| Landover | $104.00 |
| Frederick | $109.00 |
| Cockeysville | $106.00 |
| Ellicott City | $107.00 |
| Odenton | $86.00 |
| Crofton | $102.00 |
| Dundalk | $103.00 |
| Glen Burnie | $91.00 |
| Montgomery Village | $95.00 |
| Westminster | $105.00 |
| Bel Air North | $104.00 |
| Middle River | $88.00 |
| Bel Air South | $102.00 |
| Eldersburg | $107.00 |
| Ilchester | $87.00 |
| Lochearn | $109.00 |
| Olney | $91.00 |
| Chillum | $94.00 |
| Suitland | $87.00 |
| Seabrook | $106.00 |
| Perry Hall | $106.00 |
| South Laurel | $93.00 |
| Columbia | $95.00 |
| Beltsville | $99.00 |
Who Has The Lowest Liability Price In Maryland? (By City)
| City | Company |
|---|---|
| Perry Hall | Progressive |
| Woodlawn | Dairyland* |
| Ballenger Creek | Progressive |
| Middle River | Liberty Mutual |
| Langley Park | Progressive |
| Chillum | The General |
| Bethesda | Liberty Mutual |
| Severn | Geico |
| Frederick | The General |
| Westminster | The General |
| Reisterstown | The General |
| Germantown | Dairyland* |
| Clarksburg | Progressive |
| Owings Mills | Progressive |
| Hyattsville | Liberty Mutual |
| Glen Burnie | The General |
| Rockville | National General |
| Eldersburg | Liberty Mutual |
| Gaithersburg | Progressive |
| Carney | The General |
| Silver Spring | Progressive |
| Baltimore | Progressive |
| Crofton | Progressive |
| Cockeysville | Liberty Mutual |
| North Bethesda | Bristol West |
| Suitland | Progressive |
| Potomac | Bristol West |
| Edgewood | Progressive |
| Bel Air South | Geico |
| Cumberland | Dairyland* |
| Camp Springs | Liberty Mutual |
| Fort Washington | Liberty Mutual |
| Parkville | Geico |
| Clinton | The General |
| Wheaton | Dairyland* |
| Bowie | Dairyland* |
| Milford Mill | Farmers |
| Ilchester | Progressive |
| Odenton | Progressive |
| Fairland | Progressive |
| North Potomac | Geico |
| Oxon Hill | Farmers |
| Bel Air North | Progressive |
| College Park | Progressive |
| Pasadena | Geico |
| Olney | Progressive |
| Aspen Hill | Progressive |
| Beltsville | Geico |
| Laurel | Progressive |
| Arnold | Liberty Mutual |
| Pikesville | National General |
Should I Upgrade From Liability Insurance To Full Coverage: Cost By City in Maryland
| City | Average Price |
|---|---|
| Montgomery Village | $147 |
| North Laurel | $148 |
| Salisbury | $164 |
| Bel Air South | $182 |
| Wheaton | $168 |
| Lake Shore | $172 |
| Crofton | $154 |
| Annapolis | $159 |
| Arnold | $182 |
| Baltimore | $167 |
| Gaithersburg | $163 |
| Greenbelt | $156 |
| Arbutus | $156 |
| Beltsville | $163 |
| Rockville | $158 |
| Landover | $166 |
| North Potomac | $181 |
| Ballenger Creek | $148 |
| Oxon Hill | $164 |
| Essex | $173 |
| Catonsville | $149 |
| Odenton | $180 |
| North Bethesda | $156 |
| Reisterstown | $178 |
| Edgewood | $176 |
| Clarksburg | $156 |
| Germantown | $149 |
| Aspen Hill | $151 |
| Pasadena | $150 |
| Frederick | $156 |
| Suitland | $148 |
| Carney | $158 |
| Dundalk | $172 |
| Westminster | $159 |
| Severn | $168 |
| Eldersburg | $166 |
| Langley Park | $160 |
| Pikesville | $165 |
| Cockeysville | $174 |
| Towson | $182 |
| Columbia | $170 |
| Severna Park | $153 |
| Bel Air North | $154 |
| Elkridge | $177 |
| Fort Washington | $158 |
| Hyattsville | $147 |
| South Laurel | $148 |
| Olney | $180 |
| Randallstown | $176 |
| Laurel | $179 |
| Hagerstown | $155 |
| Camp Springs | $180 |
| Potomac | $164 |
Frequently Asked Questions About Maryland Liability Auto Insurance
Q1: What is Maryland liability auto insurance, and what does it cover?
A1: Maryland liability auto insurance is a type of car insurance that provides coverage for injuries and property damage you may cause to others in an accident for which you are at fault. It typically includes two main components: bodily injury liability and property damage liability coverage.
Q2: What are the minimum liability insurance requirements in Maryland?
A2: In Maryland, the minimum liability insurance requirements are often referred to as “30/60/15” coverage. This means you must have at least $30,000 for bodily injury liability per person, $60,000 for bodily injury liability per accident, and $15,000 for property damage liability.
Q3: Can I purchase additional coverage options beyond the minimum liability insurance in Maryland?
A3: Yes, you can purchase additional coverage options beyond the state’s minimum liability requirements in Maryland. Many drivers choose to add coverages like uninsured/underinsured motorist coverage, comprehensive coverage, collision coverage, and personal injury protection (PIP) for greater protection.
INSURANCE SERVICES WE OFFER
Homeowners Insurance
Homeowners, renters, and mobile home owners: make sure you have the protection you need.
Other Helpful Links:
- Homeowners Insurance in Maryland
- Insurance Maryland
- Maryland Motorcycle Insurance
- More Information about Maryland Insurance
Maryland Liability Insurance Article
Headline: Maryland Liability Insurance
Description: Understanding Liability Insurance in Maryland
Author: Learn and Serve Insurance
Publisher: Learn and Serve Insurance
Main Entity URL: https://learnandserve.org/maryland-liability-insurance/
Article Body:
- Liability insurance is essential for Maryland drivers. Here’s what you should know:
- Maryland liability insurance requirements
- Coverage options and limits
- How liability insurance protects you
- Affordable liability insurance policies
- For expert advice on liability insurance in Maryland, call us at 1.888.445.2793.
- Let us assist you in understanding and securing the right liability insurance for your vehicle in Maryland!