Maryland Car Insurance
Whether you’re commuting into Baltimore for work or heading out to Ocean City for some blue crab, a Farmers® Smart Plan Auto policy offers coverage options designed for how you drive today. Discounts can help you save even more.
What is the average cost of car insurance in Maryland?
Maryland drivers paid an average of $1,312 a year for full coverage (liability, collision and comprehensive) in 2020, according to the most recent data available from the National Association of Insurance Commissioners (NAIC). Keep in mind that insurance premiums in most states have changed since then. Your cost will also depend on how much coverage you choose, as well as your driving history, the car you drive, and other factors.
What auto insurance is mandatory in Maryland?
A car insurance policy with a minimum amount of liability coverage is required in Maryland. However, minimum coverage may not be the full extent of coverage you want. As of March 2023, 30/60/15 liability coverage limits are the minimum required in Maryland.
COVERAGE TYPE
MARYLAND MINIMUM REQUIREMENTS
Bodily injury liability
$30,000 per person; $60,000 per accident
Property damage liability
$15,000 per accident
COVERAGE TYPE
Bodily injury liability
MARYLAND MINIMUM REQUIREMENTS
$30,000 per person; $60,000 per accident
COVERAGE TYPE
Property damage liability
MARYLAND MINIMUM REQUIREMENTS
$15,000 per accident
What does car insurance typically cover in Maryland?
A typical car insurance policy in Maryland includes coverage for bodily injury and property damage liability, as well as optional collision and comprehensive coverage in case of covered damage or theft.
Maryland car insurance discounts
Farmers offers a variety of discounts for drivers in Maryland. For example:
- Multi-vehicle
- Multi-policy
- Youthful driver
See more information about additional discounts that may be available in Maryland.
Assateague Island
More coverage options in Maryland
Learn From Experience
Still have questions about cars and car insurance in Maryland? We have answers
To understand rate increases, it’s important to know that premium calculations are based on your risk and the projected cost it would take to repair or replace your car. Anything that impacts these factors can explain why rates may increase.
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If you have uninsured motorist coverage, your accident-related expenses can be covered. And if the other driver does have insurance, but it’s not sufficient to cover your costs (given today’s high medical bills), underinsured motorist coverage can help fill the gap.
