Maryland liability insurance

Liability insurance in Maryland: All about liability insurance in Maryland

When looking for Maryland car insurance specifically liability insurance it’s great to keep in mind the Maryland liability insurance requirements, the best way to obtain cheap insurance, finding the lowest cost for young drivers, and the most affordable auto insurance with dui, accidents, and violations in Maryland.

At A Plus Insurance we are happy to help you find the cheapest policy no matter the circumstance!

Maryland liability insurance requirements

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Minimum liability insurance requirements

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2023 Maryland liability insurance

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 for 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 is also required in your policy.

The 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.

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2023 Maryland liability insurance

How do I get cheap car insurance?

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 the 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 say 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

National General$136
Progressive Insurance$146
Mendota Ins. Company$149
liability insurance in Maryland

Most Affordable auto insurance with dui, accidents, and violations in Maryland liability insurance

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 is the history of your time being behind the wheel that is recorded by your states department of motor vehicles.

Violations can range from traffic citations, red-light infraction, 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 insurances 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

Car Insurance CompanyAverage Monthly Payment
Progressive Insurance$155

Cheapest with Bad credit and Poor credit for Maryland liability insurance

Maryland Liability Insurance
liability insurance in Maryland

When trying to find the cheapest Maryland liability insurance there cane be obstacles some clients face such as having bad\poor credit.

The reason why this can be considered more challenging is because 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 wont have to pay more money in the long run.

Maryland liability insurance rates with Bad Credit

Mendota Ins. Company$159
21st Century$162
Bristol West$164
liability insurance in Maryland
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2023 Maryland liability insurance
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Last Updated on by Alexis Karapiperis