Looking for Cheap Car Insurance in Maryland?
From the scenic Chesapeake Bay to the hustle and bustle of downtown Baltimore and the rolling hills of the Appalachian Mountains, Maryland is a diverse state that has a lot to offer. But it can also be a little challenging for your car insurance rates.
Also, the state requires drivers to buy a great deal of car insurance. No wonder Maryland has high car insurance rates. But there are ways for drivers to save money on their auto insurance with Carlay.
When you're shopping for car insurance, it's important to compare multiple quotes from different companies to find the best deal. Prices can vary a significant amount, from one provider to the other, based on your gender, age, and marital status. Your location and driving record also matter, so it's important to shop around for the best car insurance rates in Maryland.
Instead of spending hours getting car insurance quotes from various providers, let Carlay do the research for you. Carlay is a great tool for quickly comparing insurance policies from fifty of the top providers and managing the cancellation process for your old policy. Carlay handles the details of switching your auto policy from start to finish, so you can rest easy knowing that your coverage is in good hands. That's not all! Carlay is staffed by customer representatives who are standing by to help you if you require additional information about your coverage.
But what if we told you that these are actual Carlay customer quotes from real Maryland customers:
How Much Does Car Insurance Cost in Maryland?
The liability-only car insurance costs $2,714 per year on average in Maryland. However, a full coverage car insurance costs $3,419 on average in Maryland.
Nationwide, it costs $1,783 annually to buy liability-only car insurance and $2,485 annually to purchase full-coverage car insurance.
What contributes to the insurance rates in Maryland?
Here are some of the things that will have an effect on the cost of your car insurance in Maryland:
- High population density
Maryland has the 10th highest population density in the nation. With all those people, there are more likely to be accidents and traffic jams — both of which make your car insurance more expensive.
- Severe weather
Maryland is increasingly prone to heavy flooding and thunderstorms, which causes more frequent auto claims. Not only can this wreak havoc on your property, but it can also increase your auto insurance rates over time.
- Auto theft
In Maryland, car theft is on the rise. So, if you live in a major Maryland city such as Baltimore or Bethesda, it's even more important to invest in a solid insurance policy.
Here's how Maryland insurance premiums compare with the national average:
| All Coverage Before Carlay | All Coverage After Carlay | Minimum Coverage Before Carlay | Minimum Coverage After Carlay | Full Coverage Before Carlay | Full Coverage After Carlay | |
| MD | $3,024 | $1,993 | $2,720 | $1,699 | $3,271 | $2,432 |
| National Average | $2,489 | $1,671 | $2,360 | $1,390 | $2,761 | $1,963 |
| MD | National Average | |
| All Coverage Before Carlay | $3,024 | $2,489 |
| All Coverage After Carlay | $1,993 | $1,671 |
| Minimum Coverage Before Carlay | $2,720 | $2,360 |
| Minimum Coverage After Carlay | $1,699 | $1,390 |
| Full Coverage Before Carlay | $3,271 | $2,761 |
| Full Coverage After Carlay | $2,432 | $1,963 |
Top auto insurance providers in Maryland
Maryland drivers who are looking for car insurance should seek out a company that offers affordable rates and quality customer service. Allstate and Progressive are popular choices because of their relatively low rates and helpful staff. However, you might find that a different provider serves your needs better.
When it comes to getting car insurance, Maryland providers will take into account your age, credit score, location, and more when determining your rates. Each provider will have different standards that determine what car insurance rates they offer drivers. And even with identical policies, you might find yourself with a different quote from each carrier you go to.
Your vehicle model also impacts your insurance rates. If you drive a sports car, your insurance premiums may be higher than those of someone who drives a sedan. For example, Honda Civic is relatively inexpensive to insure because they are not as valuable as Chevy Corvette. If you purchase a less expensive vehicle, the cost of repairs and replacement parts will also be less.
Whether you need car insurance for a new vehicle or if you're looking for a new company to handle your current policy, Carlay has you covered. These are some of the amazing prices our customers in Maryland can take advantage of:
| Insurance Company | Average Cost | Annual Savings with Carlay | |
| Kemper | $4,087 | $2,260 | Compare Prices |
| National General | $4,010 | $1,341 | Compare Prices |
| Allstate | $3,238 | $1,244 | Compare Prices |
| Safeco | $3,912 | $1,235 | Compare Prices |
| Nationwide | $3,613 | $1,125 | Compare Prices |
| Travelers | $3,293 | $981 | Compare Prices |
| State Auto | $3,509 | $356 | Compare Prices |
What Car Insurance Do You Need in Maryland?
Maryland requires that you carry minimum liability insurance before you can drive. The state's minimum requirements are as follows:
| Coverage | Amount | Description |
| Bodily injury liability | $30,000 per person / $60,000 per accident | Covers the costs of injuries you cause to others. |
| Property damage liability | $15,000 per accident | Covers damage you may cause to other people's vehicles or property. |
| Uninsured/underinsured motorist bodily injury | $30,000 per person / $60,000 per accident | Pays for your medical expenses if you're in a car accident caused by an uninsured driver. |
| Uninsured motorist property damage coverage | $15,000 | When other drivers don't have insurance, this coverage helps pay for the damage they cause to your vehicle, yard, fence, or home. |
If you are caught driving without insurance, you will be penalized and may have to:
- Fines of up to $500
- Suspension of your registration and license plates with possible vehicle impoundment
- If you've had more than one offense, you could face up to 1 year of jail time.
The minimum liability insurance coverage in Maryland is not going to cover everything you might need after a car
accident. You should buy more coverage to be prepared for the unexpected:
| Coverage | Description |
| Collision insurance | Covers physical damage to your car caused by a collision with a vehicle or stationary object. |
| Comprehensive insurance | Covers your vehicle against loss or damage that isn't the result of a collision, such as vandalism, theft, or a natural disaster. |
| Roadside assistance | Covers the cost of a breakdown. |
With Carlay, you can rest assured that your auto insurance needs are being taken care of.
Carlay provides quotes from dozens of top insurance companies so you can be sure you're getting the right insurance for you. Sign-up is quick and easy, and Carlay will help you get all of the paperwork done with your partner company. You'll get an e-mail every time your policy is up for renewal, so you know you're always getting the best rates from Carlay.
In the sections that follow, we'll summarize what you'll need to know about insurance in Maryland.
How is Your Cost of Car Insurance Determined in Maryland?
The driving experience is a key factor insurers value when setting premiums. The good news is that as you gain more driving experience and time passes, you may enjoy lower insurance costs.
What young drivers in Maryland need to know
- Maryland's youthful drivers are at an increased risk for fatal car accidents, which is why insurance companies charge them higher premiums.
- If you're a young driver, taking a defensive driving course can help you lower your risk and insurance premiums.
- Under the right circumstances, young drivers who maintain a high average could be eligible for a good student discount.
If you're a young driver, don't despair. You may not get the same rates your parents got, but if you shop around and maintain a clean driving record, you can still find reasonably priced car insurance.
With a quote from Carlay, you can save money on your insurance, even if you're young. Current prices for different ages are:
| Age Group | Average Cost | Annual Savings with Carlay |
| 18-20 | $3,333 | $1,018 |
| 21-24 | $2,976 | $930 |
| 25-34 | $2,880 | $977 |
| 35-44 | $2,867 | $816 |
| 45-54 | $2,728 | $1,011 |
| 55-64 | $2,207 | $745 |
| 65+ | $2,526 | $1,016 |
- Cost to insure your car in Maryland with a poor driving record
Drivers who have been in an accident or who have received speeding tickets often pay higher insurance premiums. And if you receive a moving violation in Maryland, it will remain on your driving record for two years. During this time, insurance companies will likely raise your premiums, reflecting the risky business of insuring a young driver.
However, Carlay can help you find the best car insurance for your needs, no matter what your driving history is like. The following are some of the lowest rates that Carlay has been able to obtain for drivers with poor records:
| Driving Violation | Average Cost | Annual Savings with Carlay |
| Clean Record | $3,715 | $1,127 |
| DUI | $5,268 | $2,450 |
| Driving on Sus. License | $5,640 | $2,400 |
| Failure to Obey Traffic Sign | $5,675 | $1,655 |
| Speeding over 15 | $4,654 | $1,496 |
| Careless Driving | $5,484 | $1,472 |
| Wrong Way/Wrong Lane | $4,086 | $1,441 |
| Speeding under 15 | $4,468 | $1,293 |
| Illegal Turn | $3,600 | $1,184 |
| Defective Equipment | $4,860 | $1,007 |
- Cost to insure your car in Maryland based on where you live
As a Maryland resident, you know that your car insurance rates can vary by state, city, and even by ZIP code. If you live in Baltimore, it's more likely that theft, accidents, and property damage claims will raise your insurance rates compared to your Gaithersburg neighbors.
Whether you live in Baltimore or in a smaller town, Carlay can provide you with the best rates on Maryland's auto insurance.
| City | Average Cost | Annual Savings with Carlay |
| Baltimore | $3,076 | $950 |
| Frederick | $2,682 | $1,173 |
| Gaithersburg | $2,611 | $881 |
| Hyattsville | $3,081 | $1,040 |
| Laurel | $3,097 | $1,088 |
| Oxon Hill | $3,348 | $1,096 |
| Randallstown | $2,923 | $899 |
| Rockville | $2,279 | $745 |
| Silver Spring | $3,019 | $950 |
| Temple Hills | $2,517 | $656 |
- Cost to insure your car in Maryland based on the type of car you drive
Drivers in Maryland have the option of purchasing a car insurance policy with the minimum required coverage or more depending on their needs and budget. Since costs vary from one driver to another, there are many factors that determine what you will pay for coverage, including the type of car you own.
The Honda Accord is the most popular car in Maryland. It is also a good choice when looking for affordable car insurance because of its low initial value and inexpensive replacement parts. However, a Maryland driver driving an Audi A6 Premium Plus will pay more for insurance if involved in an accident.
Here's our guide to what it costs to insure a variety of popular car makes and models with and without Carlay:
How to Save Money On Car Insurance in Maryland?
If you're looking for ways to save on car insurance in Maryland, it's important to consider all your options. There are several ways to reduce the cost of your car insurance, no matter your record or situation.
- Shop around for quotes
The best way to get the most competitive car insurance rate is to shop around and obtain quotes from several companies. However, the process of buying insurance can be a bore if you have to make numerous phone calls and fill out several forms.
That's why Carlay is here! Carlay is a broker that finds you the best insurance rates with the top 50 insurance companies so you can compare and choose what works best for your situation. Once you're signed up, Carlay will send you new quotes every time your policy comes up for renewal, so you're always getting the coverage you want at the best price. This level of service is why Carlay has a long list of happy customers.
- Look for discounts
When you get car insurance quotes to figure out how much you'll be paying for coverage, don't forget to take discounts into account. Many insurance companies offer discounts in Maryland, and you can choose the ones that suit your profile. Take advantage of the deals!
Here are some discounts to take advantage of:
| Discount type | Who is eligible? |
| Defensive driving discount | Older drivers who take an approved driver's education or defensive driving course to refresh their skills may save up to 10% on their premium. |
| Policy bundling discount | If you insure more than one product with the same insurer, they're likely to reward your loyalty with a discount of up to 12% off each policy. The most common bundle is auto and home insurance, but others may qualify too. |
| Good driver discount | If you have no claims, chargeable accidents, or points on your record, you could save anywhere from 10% up to 30% on your insurance rates. |
| Winter tire discount | Putting snow tires on your vehicle during the winter reduces your risk of a weather-related accident and can help you save on your insurance. |
- Increase your deductible
Choosing your car insurance deductible is one of the most important decisions you'll make when purchasing a car insurance policy. Increasing your deductible will lower your premium, but it might not make sense if you can't afford to pay the higher out-of-pocket cost each time you have to make a claim.
Registering Your Car in Maryland
If you want to register your new car in Maryland, you need to gather the following paperwork:
- Driver's license or IRD card
- Proof of insurance
- Proof of sales tax payment
- Car title or signed lease agreement
- Proof of a safety inspection
- Smog test certificate, depending on the age of the vehicle
When you have the required documents, go to a DMV office. You can make an appointment beforehand. After you speak with a DMV representative, complete a registration form with personal information and details about your vehicle.
Maryland drivers must renew their vehicle registrations annually.