Car Insurance in Maryland
Affordable Quotes & Coverage Options for 2025
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Overview of Car Insurance in Maryland
In 2025, Maryland mandates minimum liability insurance of 30/60/15 ($30,000 per person/$60,000 per accident for bodily injury, $15,000 for property damage), plus uninsured/underinsured motorist coverage and $2,500 Personal Injury Protection (PIP), waivable. Average full coverage costs $2,500 annually, while minimum coverage is around $1,200. Learn more at insurance requirements by state.
A Plus Insurance partners with top providers like Progressive and trusted carriers to offer tailored Maryland auto insurance quotes.
Explainer: Maryland Minimum Car Insurance Requirements
Maryland’s minimum car insurance laws require drivers to have liability coverage to protect others in case of an at-fault accident. Uninsured/underinsured motorist coverage protects you if the other driver lacks insurance. PIP covers medical expenses regardless of fault, but it can be waived in writing. Failure to maintain insurance can result in fines, license suspension, and vehicle impoundment.
| Coverage Type | Minimum Limit | Explanation |
|---|---|---|
| Bodily Injury Liability (per person) | $30,000 | Covers injuries to others if you’re at fault. |
| Bodily Injury Liability (per accident) | $60,000 | Total coverage for all injuries in one accident. |
| Property Damage Liability | $15,000 | Covers damage to others’ property. |
| Uninsured/Underinsured Motorist | 30/60 | Protects you if hit by an uninsured driver. |
| Personal Injury Protection (PIP) | $2,500 (waivable) | Covers medical costs for you and passengers. |
For high-risk drivers, an SR-22 filing may be required as proof of insurance. Explore SR22 insurance Maryland.
Average Car Insurance Costs in Maryland 2025
Based on 2025 data from sources like Bankrate and MoneyGeek, full coverage in Maryland averages $2,966 per year ($247 per month), while minimum coverage averages $1,070 per year ($89 per month). Costs vary by location, with urban areas like Baltimore seeing rates up to 20% higher due to crime and traffic.
Cost Comparison Chart by Coverage Type
| Coverage Type | Average Annual Cost ($) | Average Monthly Cost ($) |
|---|---|---|
| Full Coverage | 2,966 | 247 |
| Minimum Coverage | 1,070 | 89 |
Explainer: Factors Affecting Car Insurance Rates in Maryland
Several factors influence your car insurance rates in Maryland, including driving-related and non-driving elements. Insurers use these to assess risk:
- Driving Record: Accidents, tickets, or DUIs increase rates significantly.
- Age and Experience: Younger drivers (under 25) pay more due to higher risk.
- Location (ZIP Code): Urban areas like Baltimore have higher premiums due to theft and accidents.
- Credit History: Poor credit can raise rates, as it’s seen as a risk indicator.
- Vehicle Type: Sports cars or high-value vehicles cost more to insure.
- Coverage Choices: Adding comprehensive or higher limits increases costs.
- Non-Driving Factors: Gender, education, occupation, and home ownership may be considered.
- External Factors: Inflation, repair costs, and weather events like storms impact overall rates.
To lower rates, maintain a clean record, improve credit, and compare quotes. See tips to lower rates or credit impact guide.
Rate Factors Chart
| Factor | Approximate Influence (%) |
|---|---|
| Driving Record | 25% |
| Age | 20% |
| Location | 20% |
| Credit History | 15% |
| Vehicle Type | 10% |
| Other Factors | 10% |
(Percentages are approximate based on common industry weights.)
Best Car Insurance Companies in Maryland 2025
Based on 2025 reviews from NerdWallet, Bankrate, and U.S. News, top companies include Geico (cheapest overall), USAA (for military), Travelers (flexible options), State Farm (local service), and Erie (customer satisfaction). Rates vary:
| Company | Strengths | Average Full Coverage Cost (Annual) |
|---|---|---|
| Geico | Affordable rates, digital tools | $1,800 |
| USAA | Military discounts, excellent service | $1,900 |
| Travelers | Customizable policies, good for bundling | $2,100 |
| State Farm | Local agents, strong financial stability | $2,200 |
| Erie | High customer satisfaction | $2,000 |
Explore more at our providers list or Progressive options.
Explainer: Types of Car Insurance Coverage in Maryland
Beyond minimums, consider additional coverages for better protection:
- Comprehensive: Covers non-collision damage like theft, vandalism, or weather.
- Collision: Pays for your vehicle’s repair after an accident, regardless of fault.
- Full Coverage: Combines liability, comprehensive, and collision for complete protection.
- Gap Insurance: Covers the difference if your car is totaled and you owe more than its value.
- Roadside Assistance: Helps with towing, flat tires, etc.
- Rental Car Reimbursement: Reimburses you for a rental vehicle when your car is in the shop or inoperable due to a covered claim. Typical limits look like $40 per day up to $1,200 max or a 30-day max (options vary by policy and carrier).
Full coverage is ideal for newer vehicles. Learn about full coverage or gap insurance.
Frequently Asked Questions About Car Insurance in Maryland
What are Maryland’s minimum car insurance requirements?
Maryland requires 30/60/15 liability, uninsured motorist coverage matching liability, and $2,500 PIP (waivable). Driving without insurance can lead to fines up to $1,000 and license suspension. Check state guide. Get a quote.
How much is car insurance in Maryland?
Full coverage averages $2,966/year; minimum is $1,070. Costs depend on factors like age and location. Call 888-445-2793 for a custom rate.
What is SR-22 insurance in Maryland?
SR-22 is a certificate filed with the MVA proving minimum coverage for high-risk drivers (e.g., after DUI). It typically lasts 3 years. Learn more at SR-22 states. Quote SR-22.
Do I need full coverage in Maryland?
Not required by law, but lenders mandate it for financed vehicles. It includes comprehensive and collision. See full coverage details. Call now.
How can I lower my Maryland car insurance rates?
Shop around, maintain a clean record, improve credit, bundle policies, or take defensive driving courses. Check discounts guide. Get a quote.
What happens if I drive without insurance in Maryland?
Penalties include fines up to $1,000, license suspension, vehicle impoundment, and SR-22 requirement. Reinstatement fees apply.
Does Maryland allow electronic proof of insurance?
Yes, digital cards on your phone are accepted during traffic stops.
What is PIP coverage in Maryland?
Personal Injury Protection covers medical expenses for you and passengers, regardless of fault. Minimum $2,500, but waivable.
How does credit affect car insurance in Maryland?
Insurers use credit-based scores; poor credit can increase rates by up to 50%. Improve yours to save. See credit guide.
Can I bundle auto and home insurance in Maryland?
Yes, bundling often saves 10-25%. Explore homeowners options.
Last Updated on by Brian Muse