Broad Form Insurance Maryland: Complete Guide & Quotes
Find affordable broad form insurance Maryland coverage that meets state requirements. Get personalized quotes and expert guidance from A Plus Insurance.
Why Choose Broad Form Insurance in Maryland?
Broad form insurance Maryland offers a streamlined approach to vehicle coverage that can save you money while meeting state requirements. Unlike traditional policies that insure specific vehicles, broad form insurance covers the driver across multiple vehicles.
Cost Savings
Save 15-30% compared to standard auto insurance policies while maintaining essential liability coverage.
Flexibility
Coverage follows you, not your vehicle. Perfect for households with multiple cars or drivers who frequently change vehicles.
Simplified Management
One policy covers your driving needs across different vehicles, reducing paperwork and policy management.
Maryland Insurance Requirements
All Maryland drivers must carry minimum liability coverage. Broad form insurance Maryland policies must meet these state requirements:
Minimum Liability Requirements
| Coverage Type | Minimum Requirement |
|---|---|
| Bodily Injury Per Person | $30,000 |
| Bodily Injury Per Accident | $60,000 |
| Property Damage | $15,000 |
| Uninsured Motorist Bodily Injury Per Person | $30,000 |
| Uninsured Motorist Bodily Injury Per Accident | $60,000 |
| Uninsured Motorist Property Damage | $15,000 |
| Personal Injury Protection (PIP) | $2,500 |
Our broad form insurance Maryland policies are designed to meet or exceed these requirements while providing the flexibility and affordability that Maryland drivers need.
Broad Form Insurance Maryland Cost Comparison
See how affordable broad form insurance Maryland compares to traditional auto insurance policies:
Factors Affecting Your Premium
Your broad form insurance Maryland rate depends on several factors:
- Driving history and record
- Age and experience
- Location within Maryland
- Coverage limits selected
- Credit history (in some cases)
Even with less-than-perfect driving records, our partnered carriers like Progressive, Dairyland, and National General offer competitive auto broad form insurance Maryland rates.
Broad Form Insurance Coverage Options
While broad form insurance Maryland primarily focuses on liability coverage, you can enhance your protection with additional options:
Basic Liability
Meets Maryland’s minimum requirements for bodily injury and property damage liability.
Enhanced Liability
Higher coverage limits for added protection in case of serious accidents.
SR-22 Filing
For drivers who need to prove financial responsibility after violations or license suspension.
What Broad Form Insurance Typically Doesn’t Cover
It’s important to understand that broad form insurance Maryland policies usually don’t include:
- Comprehensive coverage (theft, vandalism, natural disasters)
- Collision coverage (damage to your vehicle in accidents)
- Rental car reimbursement
- Roadside assistance
For complete vehicle protection, consider supplementing your broad form insurance Maryland policy or exploring our standard auto insurance options.
Frequently Asked Questions About Broad Form Insurance Maryland
Broad form insurance Maryland is a type of auto insurance that covers the driver rather than specific vehicles. It provides liability coverage for the named individual across multiple vehicles, offering flexibility and often more affordable rates compared to traditional policies.
Yes, broad form insurance Maryland is typically more affordable than standard auto insurance policies. It can save drivers 15-30% on premiums while still meeting Maryland’s minimum liability requirements.
Maryland requires: $30,000 bodily injury per person, $60,000 bodily injury per accident, $15,000 property damage, plus uninsured motorist coverage and $2,500 personal injury protection. Our broad form insurance Maryland policies meet these requirements.
Broad form insurance Maryland is ideal for drivers with multiple vehicles, those seeking affordable coverage, individuals with driving issues, and anyone wanting simplified insurance management.
Typically, broad form insurance Maryland does not automatically cover rental cars. You may need additional coverage or a rider for rental vehicle protection.
Yes, many of our insurance partners offer broad form insurance Maryland to drivers with less-than-perfect records, including those who need SR-22 filings.
With broad form insurance Maryland, the policy covers you as a driver regardless of which vehicle you’re operating (with some exceptions). This makes it ideal for households with multiple cars.
Other Insurance Services
At A Plus Insurance, we offer comprehensive coverage options beyond broad form insurance Maryland:
Homeowners Insurance
Protect your home and belongings with customizable coverage options.
Motorcycle & RV Insurance
Specialized coverage for motorcycles, recreational vehicles, and more.
Business Insurance
Comprehensive protection for businesses of all sizes.
Multi-Policy Discounts
Bundle your broad form insurance Maryland policy with other coverage types to save even more. Our multi-policy discounts can reduce your overall insurance costs while providing comprehensive protection for all your assets.
Last Updated on by Ruby Finley