- Maryland government car insurance for low-income drivers
- Maryland minimum car insurance requirements
- Best low-income car insurance in Maryland
- Cheapest low-income car insurance in Maryland
- Car insurance discounts for low-income drivers in Maryland
- Methodology
- Low-income car insurance in Maryland: Frequently asked questions
- Compare low-income car insurance rates in Maryland with other states
Maryland government car insurance for low-income drivers
There is no government-run car insurance program for low-income drivers in Maryland. Only a handful of states (California, Hawaii and New Jersey) have such a program.
In Maryland, low-income drivers must still carry the minimum amount of car insurance. The best way to find it on a budget is to shop around.
Maryland minimum car insurance requirements
The minimum car insurance requirements in Maryland are as follows:
| Minimum liability coverage limits | 30/60/15 |
| Average annual premium | $727 |
| Other types of insurance required (if any) | UMBI, UMPD and PIP |
Remember that if you have a loan on your car, you're required to carry full coverage, which includes collision and comprehensive.
Best low-income car insurance in Maryland
Geico came out on top as the best pick for low-income car insurance.
People on a tight budget still deserve great service from their car insurance company. We gathered the data on the top car insurance companies in Maryland and compared them on rates for state-minimum coverage, financial stability and customer satisfaction based on J.D. Power and National Association of Insurance Commissioners (NAIC) scores.
These are the best low-income car insurance companies in Maryland.
| Company | Average annual premium | J.D. Power | AM Best | NAIC | Insurance.com score |
|---|---|---|---|---|---|
| Geico | $428 | 818 | A++ | 0.91 | 3.99 |
| Erie Insurance | $600 | 863 | A+ | 0.61 | 3.95 |
| Travelers | $647 | 822 | A++ | 0.49 | 3.82 |
| State Farm | $744 | 843 | A++ | 0.7 | 3.72 |
| Nationwide | $724 | 820 | A+ | 0.64 | 3.55 |
| Progressive | $812 | 814 | A+ | 0.65 | 3.46 |
| Allstate | $1,255 | 825 | A+ | 0.65 | 3 |
| Kemper Insurance | $707 | 736 | A- | 2.16 | 2.13 |
Cheapest low-income car insurance in Maryland
Based on state-minimum coverage, we found that the cheapest car insurance company in Maryland is Geico at an average rate of $428 a year.
When you're working with a tight budget, price is the number one consideration. We gathered rates from car insurance companies in Maryland to find the cheapest options on average.
| Company name | Average annual premium | Average monthly premium |
|---|---|---|
| Geico | $428 | $36 |
| Erie Insurance | $600 | $50 |
| Travelers | $647 | $54 |
| Kemper | $707 | $59 |
| Nationwide | $724 | $60 |
| State Farm | $744 | $62 |
| Progressive | $812 | $68 |
| Penn National Insurance | $1,021 | $85 |
| Allstate | $1,255 | $105 |
| USAA | $362 | $30 |
PEOPLE ASK:
What can I do if I can't afford car insurance in Maryland?
If you can't find affordable car insurance in Maryland, try working with a local agent who knows the market and some of the smaller insurance companies available. Consider a usage-based program to reduce costs, reduce coverage, drive less and ask about additional discounts.
Car insurance discounts for low-income drivers in Maryland
Discounts are the best way to bring down your car insurance rates. There are a number of discounts low-income drivers in Maryland can take advantage of for cheaper insurance. Take a look at some common discounts and how much you can save below.
| Discount type | % Discount |
|---|---|
| Years Licensed | 29% |
| Years Insured | 20% |
| Profession | 11% |
| Telematics | 10% |
| Electronic Signature | 10% |
| Primary Use | 9% |
| Multi Policy | 8% |
| Payment Type | 8% |
| Days Advanced Purchase | 7% |
| Education | 7% |
| Marital Status | 6% |
| Days Per Week Driven | 6% |
| Daily Commute | 5% |
| Lower Annual Mileage | 5% |
| Homeowner | 4% |
| Electronic Funds Transfer | 4% |
| Paperless/Electornic Documents | 4% |
| Loyalty - Years Renewal With Company | 3% |
| Safety Devices | 3% |
| Anti-Theft Device | 1% |
| Air Bags | 1% |
Methodology
Insurance.com commissioned car insurance rates from Quadrant Data Services in late 2023 for state minimum car insurance policies across all states. Rates are based on a 40-year-old driver with a clean driving record and good credit, driving a Honda Accord LX. We compared rates from 170 companies across 35,488 ZIP codes.
Low-income car insurance in Maryland: Frequently asked questions
What is the cheapest car insurance company for low-income people?
In Maryland, Geico is the cheapest car insurance company with the average rate of $428. However, that's based on average rates and may differ for you, so it's important to shop around.
Does Maryland have car insurance for low-income individuals?
No, Maryland doesn't offer a car insurance program for low-income individuals or families.
What happens if I can't pay my car insurance?
If you don't pay your car insurance bill, your car insurance will be canceled and you won't have coverage. If you can't pay your car insurance bill, contact your insurance company before the bill is past due to see if you can make arrangements for payment.
Compare low-income car insurance rates in Maryland with other states
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