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