• Talk to an Auto
    Insurance agent NOW
    1.800.726.4780
We scour. You save.
Every day, we search the web to find the
very best deals and money-saving tips.
Then we send them right to you.

Thank you!
You are signed up to receive the latest deals, offers and tips!

Auto Insurance Buyer's Guide for Maryland

Price, Rates & Discounts

Printer Friendly

Who You Are Drives Your Rates

It's all about you. Every insurance quote starts with questions about you and others who will drive your car regularly: age, sex, marital status and driving record. Why so many questions? Insurance companies try to predict who's likely to be a safe driver or file a claim, and similar drivers are grouped together when rates are quoted. Many discounts are based on your driving history or safety features of your cars.

Before you buy a policy, your insurance company will verify your personal information using public sources for your motor vehicle report and prior claims payments. Maryland law also permits insurance companies to use an insurance credit score to underwrite and price your policy when it's first issued, but you can't be denied coverage solely on the basis of your credit history.

Protect Yourself and Your Passengers

Know what's required and what you need. Maryland law requires you to buy liability insurance, uninsured/underinsured motorist coverage, and personal injury protection. The minimum legal limits may not be enough coverage for injuries. Rising medical costs often result in claims involving a long-term hospital stay where costs exceed the state's minimum limits that many drivers buy.

Drive Safely and Lock your Car

Maryland insurance is expensive. Maryland ranks 12th for the average cost of insurance published by the Insurance Information Institute in 2006. Average rates are highest around Baltimore and D.C., and lower in counties like Garrett along the Pennsylvania border. The theft rate in Maryland is the 10th highest in the nation, so look for discounts on Comprehensive coverage if you have an anti-theft device installed.

$517 New Customer Savings: Jun. 2010

Drivers who reported savings after switching car insurance companies at insurance.com last month saved $517 a year. Savings vary by state.

Chart

Find Out if You're Paying Too Much

It only takes 10 minutes to see what you can save. Simply buying more than the Maryland state minimum might not be enough. In addition, you could be paying more for coverage you don't need. We suggest you commit to an annual policy check-up to make sure you're getting the best auto insurance rate available.

Ready to see if the rate you're paying is more or less than what other companies offer? Compare quotes and pick the policy that's best for you.

See Rates From Multiple Carriers in Maryland

Do you currently have auto insurance?

Copyright © 1998-2012 by Quinstreet, Inc. All Rights Reserved. Insurance licenses

May the best Quote Win

Truste Privacy Certified Quinstreet, Inc., Internet Marketing Services, Foster City, CA Verisign

Give your feedback