Maryland Car Insurance FAQ - Quick Answers

The average annual car insurance premium in Maryland is $1,590, coming in more expensive than the national number of $1,311 per year. If you're looking to cut costs on your auto insurance, consult with a professional for free. 

You'll have many options when it comes to coverages for your car insurance policy. Some of the most used in Maryland are as follows:

  • Bodily injury liability: Pays for medical expenses of others.
  • Property damage liability: Pays for property damage of others.
  • Personal injury protection: Pays for your medical expenses.
  • Uninsured/underinsured motorist: Pays for an accident involving an uninsured/underinsured motorist.
  • Gap: Pays for the difference between your auto loan and the market value of a totaled vehicle.
  • Comprehensive: Pays for an unavoidable collision with an object or animal.
  • Collision: Pays for a collision with a vehicle, object, or animal that could have been avoidable.
  • Roadside assistance: Pays for a tow or replacing a flat tire. 
  • Rental car: Pays for a replacement vehicle due to a covered claim.

In Maryland, you are required to maintain the following limits of protection under your car insurance policy:

  • $30,000 in bodily injury liability per person
  • $60,000 in bodily injury liability per accident
  • $15,000 in property damage liability 
  • Personal injury protection
  • Uninsured motorist coverage

Currently, 12.4% of Maryland drivers are uninsured. That puts you and your loved ones at risk every time you use the roads. Fortunately, uninsured motorist coverage helps pay for any medical expense or damage that you may incur when in an accident with an uninsured driver. 

In Maryland, you are required to carry the state minimum liability limits of car insurance. In addition, you must obtain personal injury protection as well as uninsured motorist coverage.

The quickest and easiest way to compare Maryland car insurance costs and coverage is through an independent insurance agent. They work with dozens of carriers at once so you don't have to, and they do the shopping for free.

How does car insurance work

Find the Best Insurance in Your City

How does your city measure up to the national average?

National average time spent commuting 26.9 Min

National average car thefts per 1,000 2.3 Year

National average car insurance cost $1,311 Year

CityCommute time (min)Auto theft rate per 1,000Annual insurance cost
Aberdeen26.40.74$1,332
Annapolis27.72.34$1,386
Baltimore31.46.6$2,353
Bethesda29.81.12$1,897
Bowie37.21.39$1,605
Cambridge21.61.14$1,181
Columbia30.32.8 $1,446
Frederick32.10.73$1,277
Gaithersburg32.90.97$1,400
Glen Burnie29.28.89$1,601
Hyattsville33.73.38$1,851
Laurel35.93.06$1,601
Waldorf46.51.22$1,621
Westminster31.20.86$1,332

Bodily Injury Requirements in Maryland

Bodily injury liability in Maryland is mandated by state law. If you're a driver in Maryland, you're responsible for maintaining $30,000 per person and $60,000 per accident in bodily injury liability. 

This coverage helps pay for the medical expense of another driver when you're at fault for an accident. When you're selecting your coverage amounts, review your limits with a trained professional for accuracy.

Property Damage Requirements in Maryland

Maryland requires all drivers to obtain property damage liability in order to use the roadways. This coverage is vital and helps pay for damage to another party's vehicle when you're at fault. 

The state minimum limit you'll need to include under your car insurance policy is $15,000 in property damage liability. Most insureds opt in for additional coverage to have more robust insurance.

Medical Payments Coverage Requirements in Maryland

In Maryland, personal injury protection, or PIP, is required by law. PIP helps pay for your medical expenses when you sustain an injury due to an at-fault loss.  

Contrary to popular belief, if you don't have PIP coverage, then you'll be on the hook for your medical bills. Without proper protection you could also face serious penalties. 

Uninsured Motorist Coverage in Maryland

Uninsured motorist coverage is necessary in all states and especially when it's required. In Maryland, 12.4% of the drivers on the road are uninsured. 

Fortunately, Maryland requires uninsured motorist coverage so that your medical expenses and damage due to an accident with an uninsured driver is paid for. Protect yourself and your loved ones with the proper limits of uninsured motorist coverage.


car

Save on Car Insurance

Our independent agents shop around to find you the best coverage.


Optional Car Coverage in Maryland

If you want full coverage, you'll need more than just the standard liability limits required in Maryland. Collision insurance and comprehensive insurance pays for damage to your vehicle when an accident occurs.

If you want help when stranded on the side of the road, then roadside assistance pays for a tow or tire change. When you're vehicle is out of commission due to a covered claim, rental car coverage can help. Check optional limits with your adviser to get protection that applies to your situation.

Car Insurance Discounts to Ask for in Maryland

When you're on the hunt for discounts on car insurance, it's good to know what's available. You may qualify for different ways to save depending on your situation. 

Speak with your Maryland agent about a multiple policy discount when you have more than one policy with the same carrier. Another is the loyalty discount that saves premium when you've been with the same insurance company for a certain period. And if you're part of an association, you can get a discount that gives you up to 10% off auto insurance.

How to File a Car Insurance Claim in Maryland

When you're involved in an auto accident, it can be overwhelming. Look at these simple-to-remember steps for filing a car insurance claim in Maryland.

First, seek medical attention if necessary and get to a safe spot. Second, report the loss to your independent insurance agent. Third, obtain the claims number and a rental vehicle if coverage allows. Last, discuss claim with your adjuster and collect payment.