Compare car insurance quotes from several top insurance companies and find the cheapest auto insurance rates in the state of Maryland in less than 5 minutes. Let CheapQuotesCarInsurance.com teach you everything you need to know about buying affordable auto insurance that fits your budget and your lifestyle. Learn about Maryland minimum car insurance requirements and how the cost of auto insurance in Maryland compares to the cost of auto insurance in other states. We offer top online car insurance comparison tools for Maryland residents. Car insurance rates change every year, so be sure to view quotes from at least two insurance companies and lower your car insurance premiums today.

Maryland Minimum Car Insurance Requirements:

Maryland state law requires that car insurance policies must include a minimum bodily injury liability coverage limit of $20,000 for one person in an accident and $40,000 for all persons injured per accident. The minimum property damage liability coverage limit is $15,000. These minimum coverage limits for Maryland are more commonly listed as 20/40/15. Maryland also requires Uninsured/Underinsured Motorist coverage with minimum limits of $20,000 for one person in an accident and $40,000 for all persons injured per accident for any bodily injury caused by an uninsured or underinsured driver.

Maryland’s Most Common Car Insurance Coverage

The cheapest Maryland auto insurance policies will only meet the minimum state requirements for insurance coverage, but many customers will want and need more insurance coverage including: coverage for medical payments, personal injury protection, collision, and comprehensive coverage. Discover which coverage is best for you.

Maryland Auto Insurance Laws

Maryland is NOT a no-fault state but rather follows a Tort system. This means that the driver who is at-fault in the accident and the at-fault driver’s insurance company pays the victim’s medical expenses. Also, the victim has the option to file a claim against the at-fault driver for additional and related damages including lost wages and pain and suffering.

Average cost of Car Insurance in Maryland

The National Association of Insurance Commissioners (NAIC) and the Insurance Information Institute (I.I.I.) provide data about car insurance premiums for all 50 states. Maryland residents spend an average of $922 per year for car insurance (liability coverage). Maryland ranks as the 39th cheapest state to buy auto insurance. The national average is $811 per year for car insurance (liability coverage). In 2010, Maryland car insurance premiums have decreased slightly compared to 2009. Now is the time to compare auto insurance rates from multiple providers to lower your car insurance premiums.

We offer local car insurance quotes available in all of Maryland including:
Baltimore
Bethesda
Columbia
Dundalk
Ellicott City
Frederick
Gaithersburg
Germantown
Silver Spring
Wheaton-Glenmont

Insurance companies weigh the factors that affect your car insurance rates differently so everyone’s rates will be different for each company. Smart auto insurance shoppers will compare quotes from several car insurance companies to find the cheapest car insurance quote possible. CheapQuotesCarInsurance.com has partnered with top insurance companies like Geico, Nationwide, AllState, Esurance, Liberty Mutual, and Travelers to provide our customers with affordable quotes from highly reputable insurance providers. Enter your zip code and answer several general questions about your driving history to compare Maryland auto insurance rates and save money on your auto insurance premiums.

To contact Maryland’s department of Insurance:

mdinsurance.state.md.us

Mailing address:
Maryland Insurance Administration
525 St. Paul Place
Baltimore, MD 21202

Phone number
(410) 468-2000

Toll-free in Maryland only
(800) 492-6116

Fax number
(410) 468-2020