Maryland Car Insurance
There are a lot of unique things about Maryland that many people do not know, including that the state has many of the world’s oldest living people. There are numerous people over the age of 114. Many artists hail from the state, including author Tom Clancy. With many fantastic things to see, and the proximity to a wide variety of other states as well as Washington DC, driving provides a lot of conveniences.
People need to be careful when driving in the state, however, because there are severe penalties for not having auto insurance and driving in the state. Maryland has car insurance requirements mandated by the state, and these minimum limits need to be met to drive legally in Maryland.
Of course, there are many other types of auto insurance coverage that are useful, beyond the minimum requirements, so take some time to consider those as well.
Auto Insurance Requirements In Maryland
The minimum requirements for car insurance in Maryland, as required by law, include bodily injury liability coverage and property damage liability coverage. The lowest amount that meets the requirements of the laws in Maryland, called minimum limits, are $30,000 per person per accident and bodily injury liability coverage, $60,000 for all people per accident for bodily injury coverage, and $15,000 per accident for property damage liability coverage.
While those are the minimum requirements for automobile insurance coverage in the state, there are also additional types of insurance coverage that can be purchased. These include collision insurance coverage, lease gap insurance coverage, comprehensive insurance coverage, and more. Uninsured and underinsured motorist coverage can also be valuable additions since they protect people if another person is at fault in an accident they are involved in and does not have insurance coverage, or does not have enough insurance coverage to cover the expenses from the crash.
Average Cost Of Coverage In Maryland
Maryland comes in just under the average in terms of car insurance prices in the United States. Like many other types of insurance coverage, it is important to keep in mind that there are more variables that affect your automobile insurance coverage than just the state you live in. Prices can vary from one city to the next, and also depending on your credit rating, driving history, age, and numerous other variables.
Cheapest Car Insurance Companies In Maryland
It all starts by seeking out the cheapest automobile insurance companies in the state. You’ll want to check and get quotes from other car insurance providers as well, since each automobile insurance provider applies the factors used to determine a policyholders premium differently.
Some of the best car insurance companies for low prices in Maryland include Geico, USAA, Selective Insurance, Nationwide Insurance, and Cumberland Insurance. Other automobile insurance companies to check out include Allstate, State Farm, and there are others in the state as well as giving free car insurance quotes to potential customers.
Cheapest Car Insurance In Maryland By City
The cheapest cities for car insurance in Maryland include and Annapolis, Frederick, Westminster, and Princess Anne. Even though these are some of the least expensive cities in the state for automobile insurance, it is important to keep in mind that you can still seek out discounts and maintain a good driving record to help continue to get the lowest rates on insurance possible in your specific area.
Most Expensive Car Insurance In Maryland By City
There is one state that has much higher rates than many of the other states cities, and that is Baltimore, Maryland. The costs of insurance in the city are much higher than the average costs in Maryland, so make sure to take advantage of the various discounts you can apply for and spend some time shopping around. Take advantage of the free quotes for auto insurance available here as well. Other cities that are higher than average in the state include Germantown, Silver Spring, Elliott City, Bowie, and others.
Laws, Rules And Penalties in Maryland
Penalties for driving with no insurance policy in the state of Maryland include fines, fees, driver’s license suspension, required enrollment in a driver improvement program, and the addition of points on your driving record which can lead to increased automobile insurance costs. Offenses can also lead to up to one-year imprisonment or more depending on how many previous offenses have occurred.
How To Save Money On Car Insurance In Maryland
The top way to save money on car insurance in Maryland is getting quotes from multiple insurance companies. On this site, you can compare car insurance prices and find the best policy to suit your needs. While it is a smart idea to get quotes from the cheapest auto insurance companies in the state, you should also get auto insurance quotes from a few other companies as well. Having more information is a fantastic plan, and because automobile insurance providers weigh variables differently, people can get the best rates from a variety companies.