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.

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. 

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
Farmers	$155
Dairyland	$156

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

Mendota Ins. Company	$159
21st Century	$162
Bristol West	$164
GAINSCO	$164
Geico	$164

Cost For Liability Only In Maryland (By City)

City	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	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

Last Updated on July 26, 2023 by Veronica Moss