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Maryland Auto Insurance [Rates + Cheap Coverage Guide]

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Statewide Stats Details
Road Miles Total in State: 32,037
Miles Driven: 57,516 millions
Vehicles Registered: 4,008,847
Motor Vehicle Thefts: 13,151
Population 6,000,561
Most Popular Vehicle CR-V
Uninsured%/Underinsured% 12.4%
Total Driving Related Deaths Speeding Fatalities: 160
DUI Fatalities: 186
Average Premiums (Annual) Liability: $609.74
Collision: $353.99
Comprehensive: $152.72
Combined: $1,116.45
Cheapest Provider USAA

The plethora of options available in the market for a car insurance policy can make anyone’s head spin – how do you choose a provider when everyone’s offering competitive rates?

Your car insurance policy is not just about low premium rates — you have to make sure that your insurer would actually settle your claims in the event of an unfortunate accident. Also, there are other factors to consider, specific to the location you’re living in, such as weather conditions, car theft stats, uninsured motorists percentage, minimum coverage laws, etc.

Since consumers aren’t aware of all the options available to them, they tend to only buy the basic minimum coverage like everyone else. For a car insurance policy, the ‘one size fits all’ formula doesn’t apply.

We would tell you everything that you need to know before buying car insurance. You can also start comparison shopping today using our FREE online tool. Enter your zip code above to get started!

Table of Contents

State Car Insurance Coverage and Rates

When you start researching your car insurance policy, the first thing that you want to know about is the minimum liability coverage law in your state.

In Maryland, it is mandatory to buy the minimum insurance coverage and driving without proof of insurance or financial responsibility documents is illegal. If you drive uninsured, you could face fines or a license suspension.

The minimum coverage should be maintained at all times while your car registration is valid. Motorists in Maryland are also required to prove that they have car insurance and show necessary documentation at the time of registration or when asked by the police.

– Minimum Car Insurance Requirements in Maryland

Let’s look at what the state of Maryland mandates for minimum car insurance coverage:

  • Personal Injury Liability Insurance: The minimum bodily injury liability coverage is $30,000 per person with a maximum of $60,000 per accident
  • Property Damage Liability Insurance: The minimum requirement for property damage is $15,000

What does the minimum liability insurance coverage mean?

Liability coverage would pay for the cost of medical expenses, property damage, as well as any other costs associated with injury to passengers and pedestrians from an accident where you’re the at-fault party.

How does the fault of a motorist in an accident impact insurance coverage?

Maryland follows the fault system, or the tort law, wherein the state requires insurance companies to determine who was at fault in an accident. The cost of damages from an accident becomes the responsibility of the at-fault party which is to be settled by the respective insurer.

Please note that the mandatory minimum liability coverage wouldn’t pay for the damages or injuries you sustain in an accident caused by you.

In that case, how would you pay for your own personal injury cost and property damage expenses because hospital bills can really make a dent? To cover your costs from damages, insurance companies offer Personal Injury Protection, Collision Coverage, and Uninsured Motorist Coverage.

We will provide a detailed overview of the different types of insurance coverage, but first, let’s discuss if the state-mandated minimum coverage is enough for you.

Imagine a scenario – You researched the minimum coverage requirements in Maryland, received quotes for that coverage level from multiple insurers, and bought a policy that offered the cheapest rate.

While coming back from the Chesapeake Bay one night, you accidentally hit a car which happens to be a BMW i8 Roadster. Your insurance policy covers damages to the extent of $15,000 and the repair cost of said damages would definitely exceed that amount. Most probably, you would have to pay the damages out-of-pocket.

However, if the plaintiff decides to sue the at-fault party in an accident, the court may seize your bank accounts, property, or any other personal assets. In addition, if the damages are severe, the other party might ask for garnishment of your wages.

Therefore, it’s important to carefully assess your needs and the average cost of damages from auto accidents in your area before buying coverage.

– Forms of Financial Responsibility in Maryland

Financial responsibility in the case of car insurance means the ability of a motorist to pay damages in the event of an accident. To prove financial responsibility in Maryland, you must buy the minimum liability insurance coverage mandated by the state.

If you’re asked for proof of financial responsibility by the Motor Vehicle Administration (MVA) of Maryland or any other law officer, you can show these:

You’re required to show proof of financial responsibility or insurance when asked by the MVA or police offiers, during vehicle registration, and after an accident.

– Premiums as Percentage of Income in Maryland

An auto insurance premium is a part of our expense that doesn’t offer any benefits on a month-to-month basis although there’s a regular financial outlay. Naturally, you would want to know how much you are spending on premiums from your income.

Details Full Coverage Average Premiums (Annual) Disposable Income Premiums as Percentage of Income
2012 $1,056.82 $46,815 2.26%
2013 $1,071.35 $45,664 2.35%
2014 $1,096.37 $46,875 2.34%

Motorists in Maryland spent around 2.34 percent of their disposable income on full coverage auto premiums in the year 2014 which was a bit higher than what they were spending in 2012.

Personal disposable income is the amount of money at an individual’s disposal after taxes have been paid off.
In the state of Delaware, motorists spent around 3 percent of their disposable income on insurance premiums while in Virginia premiums were around 1.9 percent of the disposable income in the year 2014.

 

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– Core Car Insurance Coverage in Maryland

Type of Coverage Average Annual Premiums
Liability Coverage $609.74
Collision Coverage $353.99
Comprehensive Coverage $152.72
Full Coverage Premiums $1,116.45

The table above illustrates the premium rates for different types of coverage in Maryland from a trusted source on insurance data i.e. National Association of Insurance Commissioners (NAIC).

The premiums rates cover three aspects of insurance coverage – liability, collision, and comprehensive. Since we have explained liability coverage quite a bit, let’s try to understand the collision and comprehensive components.

  • Collision Coverage: If you hit an object while driving, collision coverage would pay for the repairs to your cost irrespective of fault.
  • Comprehensive Coverage: Damage from acts of nature such as hurricanes, storms, floods, and fire or vandalism comes under the purview of comprehensive coverage.

Do remember that damages from hitting animals while driving is covered by comprehensive insurance.

– Additional Liability Coverage in Maryland

We have talked about the three most popular insurance coverage options in the previous section.

But, there are instances when you need to pay for your own personal injury and property damage expenses because you’re the at-fault party in an accident. Or, the motorist that hit you doesn’t have enough insurance coverage to pay your damages.

Let’s look at coverage options for these scenarios:

  • Personal Injury Protection: This coverage pays for your personal injury expenses in an accident irrespective of the fault.
  • Uninsured Motorist Coverage: Despite the mandatory laws, there are motorists who drive without any insurance coverage and buying the uninsured motorist insurance would protect you from damages if you’re hit by one.

Though Personal Injury Protection (PIP) is optional in Maryland, buying the same would pay for the cost of medical expenses and lost wages in the event of an accident. Insurance companies in Maryland are required to offer at least $2,500 in PIP coverage to motorists which can be waived at the customer’s request.

In Maryland, around 12.4 percent of the motorists are uninsured. The state ranks at number 23rd among all the states in America for estimated percentage of uninsured motorists as per the Insurance Information Institute.

Loss Ratio 2013 2014 2015
Personal Injury Protection 78.14% 76.37% 80.28%
Uninsured/Underinsured Motorist 71.25% 71.34% 73.56%

The table above shows the payouts or losses from insurance claim settlements under the PIP and uninsured motorist coverage category. The percentage shows how much the insurance companies have paid in damages from the premiums received.

For PIP, insurance companies have paid a whopping 80 percent of their revenue from premiums to cover insurance claims in 2015. And, the payouts have been rising.

Though PIP is not mandatory, this quick three-minute video would help you understand why you shouldn’t waive it.

– Add-ons, Endorsements, and Riders in Maryland

By now, you have some idea about the basic coverage options at your disposal.

Apart from those options, there are few add-ons and riders that every insurer offers with the insurance policy that can help you in specific situations.

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– Pay-As-You-Drive or Usage-Based Insurance in Maryland

If you think that your premium rates are high, you can get discounts by participating in the usage-based insurance programs of insurance companies.

What is Usage-Based Insurance? Usage-based insurance enables insurers to track driving patterns of motorists over a period of time. Once you enroll in a program, a telematics device is installed in your car which records metrics like miles driven per day, the speed of driving, and breaking habits.

Tracking driving behavior lets insurance companies determine how suseptible someone is to dangers on the road and the probability of an accident thereafter. This data helps insurers to calculate premiums after adjusting discounts for good driving behavior.

Each insurance provider has its own criteria for offering discounts, for instance, one insurer might offer discounts if you drive less than 12,000 miles in a year while another would reward you if you keep the speed limit lower than 80 mph.

– Annual Car Insurance Rates by Demographics in Maryland

Company Married 35-year old female Married 35-year old male Married 60-year old female Married 60-year old male Single 17-year old female Single 17-year old male Single 25-year old female Single 25-year old male
Allstate Indemnity $3,479.22 $3,341.48 $3,315.46 $3,402.86 $10,126.25 $11,877.20 $3,142.00 $3,180.86
Geico Cas $2,409.20 $2,633.97 $2,737.58 $3,154.25 $7,238.09 $8,259.04 $2,057.84 $2,171.06
Liberty Mutual Fire Ins Co $6,671.15 $6,671.15 $6,594.83 $6,594.83 $12,964.69 $19,221.87 $6,671.15 $8,990.68
NAICOA $2,001.73 $2,008.48 $1,810.88 $1,863.99 $4,680.47 $6,150.29 $2,316.18 $2,493.50
Progressive Select $2,445.57 $2,204.58 $2,128.62 $2,174.55 $8,688.04 $9,494.13 $2,844.59 $2,778.79
State Farm Mutual Auto $2,384.38 $2,384.38 $2,189.99 $2,189.99 $7,402.28 $9,470.28 $2,661.50 $3,004.10
USAA $1,974.24 $1,939.21 $1,843.88 $1,839.49 $4,378.75 $5,166.68 $2,274.19 $2,536.67

Rates for single males ages 17-25 are significantly higher than their female counterparts. The gap in premium rates is insignificant between men and women after they turn 30 as per the data in the table.

The bottom line – Statistically women are considered safer drivers than men and the probability of getting involved in accidents is lower for women.

As per a study, the premium rates for unmarried 20-year-old males is 21 percent more than females in that age group. But it does level off as men grow older.

– Car Insurance Rates by Zip Code and City in Maryland

Factors like city and zip code also make a difference in your premium rates. If you’re planning to move to Maryland from another state or moving within Maryland, you can check the rates for different cities and zip codes of Maryland in the table below through the search bar.

Rank Zipcode City Grand Total
1 21216 BALTIMORE $8,830.19
2 21215 BALTIMORE $8,651.27
3 21213 BALTIMORE $8,455.92
4 21217 BALTIMORE $8,407.60
5 21223 BALTIMORE $8,230.59
6 21205 BALTIMORE $7,886.36
7 21207 GWYNN OAK $7,721.94
8 21251 BALTIMORE $7,596.61
9 21218 BALTIMORE $7,591.34
10 21239 BALTIMORE $7,485.36
11 21202 BALTIMORE $7,310.39
12 21206 BALTIMORE $7,306.97
13 21133 RANDALLSTOWN $7,288.96
14 21244 WINDSOR MILL $7,164.27
15 21233 BALTIMORE $7,044.14
16 21201 BALTIMORE $7,013.37
17 21231 BALTIMORE $6,850.33
18 21208 PIKESVILLE $6,777.46
19 21214 BALTIMORE $6,699.87
20 21209 BALTIMORE $6,520.50
21 20743 CAPITOL HEIGHTS $6,517.08
22 20747 DISTRICT HEIGHTS $6,402.12
23 20785 HYATTSVILLE $6,358.32
24 21212 BALTIMORE $6,321.77
25 20710 BLADENSBURG $6,313.13
26 21229 BALTIMORE $6,243.65
27 21237 ROSEDALE $6,215.05
28 20745 OXON HILL $6,203.35
29 20746 SUITLAND $6,176.70
30 20781 HYATTSVILLE $6,143.03
31 21117 OWINGS MILLS $6,113.39
32 21250 BALTIMORE $6,108.22
33 20748 TEMPLE HILLS $6,087.94
34 21224 BALTIMORE $6,087.40
35 20783 HYATTSVILLE $6,052.30
36 21252 BALTIMORE $6,050.66
37 21225 BROOKLYN $5,987.63
38 20784 HYATTSVILLE $5,969.59
39 21211 BALTIMORE $5,953.50
40 21234 PARKVILLE $5,945.84
41 20722 BRENTWOOD $5,917.22
42 20737 RIVERDALE $5,880.83
43 21221 ESSEX $5,871.01
44 20712 MOUNT RAINIER $5,870.98
45 21230 BALTIMORE $5,868.04
46 20782 HYATTSVILLE $5,866.63
47 21210 BALTIMORE $5,850.72
48 20744 FORT WASHINGTON $5,788.76
49 20903 SILVER SPRING $5,762.99
50 21222 DUNDALK $5,753.47
51 20706 LANHAM $5,728.56
52 21220 MIDDLE RIVER $5,711.38
53 21227 HALETHORPE $5,687.68
54 21226 CURTIS BAY $5,660.50
55 20735 CLINTON $5,633.08
56 21136 REISTERSTOWN $5,628.38
57 21219 SPARROWS POINT $5,593.31
58 20774 UPPER MARLBORO $5,586.04
59 20623 CHELTENHAM $5,585.48
60 20912 TAKOMA PARK $5,565.90
61 21052 FORT HOWARD $5,563.27
62 20721 BOWIE $5,555.04
63 21236 NOTTINGHAM $5,521.59
64 20772 UPPER MARLBORO $5,442.60
65 20705 BELTSVILLE $5,408.53
66 21071 GLYNDON $5,378.44
67 20742 COLLEGE PARK $5,373.56
68 21228 CATONSVILLE $5,321.75
69 21030 COCKEYSVILLE $5,314.52
70 20708 LAUREL $5,314.27
71 20770 GREENBELT $5,308.55
72 20607 ACCOKEEK $5,297.52
73 21139 RIDERWOOD $5,283.37
74 21057 GLEN ARM $5,259.07
75 21040 EDGEWOOD $5,235.98
76 20613 BRANDYWINE $5,217.62
77 21155 UPPERCO $5,209.94
78 21061 GLEN BURNIE $5,182.58
79 20904 SILVER SPRING $5,169.67
80 20740 COLLEGE PARK $5,158.35
81 21286 TOWSON $5,140.72
82 21031 HUNT VALLEY $5,134.71
83 21027 CHASE $5,126.64
84 20901 SILVER SPRING $5,123.70
85 21085 JOPPA $5,116.48
86 20601 WALDORF $5,112.33
87 20866 BURTONSVILLE $5,108.79
88 20902 SILVER SPRING $5,103.45
89 20906 SILVER SPRING $5,100.54
90 20616 BRYANS ROAD $5,099.29
91 21240 BALTIMORE $5,092.13
92 21131 PHOENIX $5,050.42
93 21010 GUNPOWDER $5,049.93
94 20794 JESSUP $5,043.67
95 20763 SAVAGE $5,041.70
96 21128 PERRY HALL $5,039.70
97 21162 WHITE MARSH $5,039.28
98 21204 TOWSON $5,034.61
99 20723 LAUREL $5,032.48
100 21077 HARMANS $5,030.01
101 21093 LUTHERVILLE TIMONIUM $5,023.50
102 21144 SEVERN $5,021.55
103 21104 MARRIOTTSVILLE $5,015.99
104 20868 SPENCERVILLE $5,014.08
105 21092 LONG GREEN $5,013.38
106 20608 AQUASCO $5,010.20
107 21082 HYDES $5,004.30
108 21051 FORK $5,003.39
109 20762 ANDREWS AIR FORCE BASE $4,998.17
110 21153 STEVENSON $4,990.53
111 21076 HANOVER $4,984.48
112 20701 ANNAPOLIS JUNCTION $4,979.71
113 21013 BALDWIN $4,969.79
114 20724 LAUREL $4,968.55
115 21163 WOODSTOCK $4,964.79
116 20603 WALDORF $4,963.34
117 20640 INDIAN HEAD $4,959.02
118 20658 MARBURY $4,957.54
119 21156 UPPER FALLS $4,955.11
120 20769 GLENN DALE $4,947.11
121 20602 WALDORF $4,936.41
122 21087 KINGSVILLE $4,929.39
123 21152 SPARKS GLENCOE $4,922.24
124 21090 LINTHICUM HEIGHTS $4,909.99
125 20860 SANDY SPRING $4,909.62
126 20778 WEST RIVER $4,906.70
127 20905 SILVER SPRING $4,896.53
128 20720 BOWIE $4,890.93
129 21020 BORING $4,877.42
130 20707 LAUREL $4,877.18
131 20643 IRONSIDES $4,867.67
132 21111 MONKTON $4,866.23
133 21022 BROOKLANDVILLE $4,864.73
134 20765 GALESVILLE $4,864.00
135 20764 SHADY SIDE $4,863.11
136 21105 MARYLAND LINE $4,862.99
137 21075 ELKRIDGE $4,853.06
138 20751 DEALE $4,843.83
139 20733 CHURCHTON $4,839.42
140 21023 BUTLER $4,838.58
141 21045 COLUMBIA $4,832.81
142 20711 LOTHIAN $4,828.75
143 21120 PARKTON $4,822.13
144 20695 WHITE PLAINS $4,813.77
145 21060 GLEN BURNIE $4,801.79
146 21046 COLUMBIA $4,800.78
147 21053 FREELAND $4,787.29
148 20758 FRIENDSHIP $4,786.97
149 20853 ROCKVILLE $4,785.35
150 20910 SILVER SPRING $4,773.54
151 20877 GAITHERSBURG $4,768.56
152 21161 WHITE HALL $4,766.11
153 21043 ELLICOTT CITY $4,756.43
154 21044 COLUMBIA $4,754.06
155 21074 HAMPSTEAD $4,748.46
156 20716 BOWIE $4,747.00
157 20851 ROCKVILLE $4,743.75
158 20855 DERWOOD $4,732.89
159 21042 ELLICOTT CITY $4,730.35
160 20861 ASHTON $4,723.96
161 20675 POMFRET $4,722.12
162 20880 WASHINGTON GROVE $4,710.96
163 20662 NANJEMOY $4,702.53
164 20832 OLNEY $4,702.11
165 20879 GAITHERSBURG $4,696.73
166 20646 LA PLATA $4,673.52
167 20693 WELCOME $4,665.83
168 20632 FAULKNER $4,659.34
169 21001 ABERDEEN $4,659.18
170 20759 FULTON $4,652.17
171 20617 BRYANTOWN $4,650.11
172 21017 BELCAMP $4,648.83
173 20886 MONTGOMERY VILLAGE $4,648.35
174 20777 HIGHLAND $4,645.68
175 21911 RISING SUN $4,644.32
176 21904 PORT DEPOSIT $4,644.09
177 20637 HUGHESVILLE $4,637.89
178 21918 CONOWINGO $4,630.69
179 21917 COLORA $4,629.12
180 20664 NEWBURG $4,628.84
181 20736 OWINGS $4,628.05
182 20661 MOUNT VICTORIA $4,627.90
183 20837 POOLESVILLE $4,626.70
184 21102 MANCHESTER $4,626.50
185 20677 PORT TOBACCO $4,625.46
186 21723 COOKSVILLE $4,623.67
187 21160 WHITEFORD $4,621.58
188 21903 PERRYVILLE $4,620.37
189 20862 BRINKLOW $4,619.74
190 20645 ISSUE $4,618.40
191 20612 BENEDICT $4,610.02
192 21794 WEST FRIENDSHIP $4,607.35
193 20611 BEL ALTON $4,603.69
194 21914 CHARLESTOWN $4,602.53
195 20779 TRACYS LANDING $4,601.15
196 21901 NORTH EAST $4,599.38
197 21009 ABINGDON $4,598.74
198 21047 FALLSTON $4,598.60
199 21005 ABERDEEN PROVING GROUND $4,598.04
200 21050 FOREST HILL $4,596.33
201 20715 BOWIE $4,596.15
202 20839 BEALLSVILLE $4,595.45
203 21084 JARRETTSVILLE $4,593.14
204 21916 CHILDS $4,589.97
205 21132 PYLESVILLE $4,589.09
206 20876 GERMANTOWN $4,588.40
207 21018 BENSON $4,587.66
208 21029 CLARKSVILLE $4,583.53
209 20852 ROCKVILLE $4,583.21
210 20625 COBB ISLAND $4,583.01
212 21088 LINEBORO $4,575.44
213 21920 ELK MILLS $4,574.36
214 20874 GERMANTOWN $4,572.58
215 21014 BEL AIR $4,567.70
216 21028 CHURCHVILLE $4,564.87
217 21078 HAVRE DE GRACE $4,564.84
218 21902 PERRY POINT $4,562.33
219 20776 HARWOOD $4,559.37
220 21015 BEL AIR $4,555.67
221 21035 DAVIDSONVILLE $4,554.07
222 20854 POTOMAC $4,550.40
223 21797 WOODBINE $4,550.21
224 21921 ELKTON $4,549.25
225 20833 BROOKEVILLE $4,547.29
226 21154 STREET $4,546.65
227 21915 CHESAPEAKE CITY $4,544.58
228 21150 SIMPSONVILLE $4,534.76
229 20872 DAMASCUS $4,533.73
230 21737 GLENELG $4,533.16
231 21034 DARLINGTON $4,531.60
232 21054 GAMBRILLS $4,529.44
233 20754 DUNKIRK $4,519.58
234 21036 DAYTON $4,516.04
235 20838 BARNESVILLE $4,510.01
236 20714 NORTH BEACH $4,509.25
237 21113 ODENTON $4,506.26
238 21108 MILLERSVILLE $4,506.03
239 20755 FORT GEORGE G MEADE $4,504.98
240 20622 CHARLOTTE HALL $4,504.97
241 20878 GAITHERSBURG $4,501.06
242 21114 CROFTON $4,494.38
243 21122 PASADENA $4,490.44
244 20659 MECHANICSVILLE $4,464.43
245 20689 SUNDERLAND $4,461.16
246 20850 ROCKVILLE $4,456.19
247 21048 FINKSBURG $4,450.15
248 21056 GIBSON ISLAND $4,448.63
249 20842 DICKERSON $4,445.15
250 21140 RIVA $4,439.96
251 21146 SEVERNA PARK $4,436.64
252 20678 PRINCE FREDERICK $4,435.60
253 20882 GAITHERSBURG $4,433.73
254 21784 SYKESVILLE $4,430.21
255 20682 ROCK POINT $4,429.92
256 21405 ANNAPOLIS $4,426.67
257 21738 GLENWOOD $4,424.50
258 20732 CHESAPEAKE BEACH $4,418.90
259 21012 ARNOLD $4,395.44
260 21401 ANNAPOLIS $4,389.56
261 21157 WESTMINSTER $4,383.22
262 21403 ANNAPOLIS $4,374.52
263 21032 CROWNSVILLE $4,367.90
264 20639 HUNTINGTOWN $4,364.15
265 20896 GARRETT PARK $4,355.81
266 21409 ANNAPOLIS $4,344.91
267 21037 EDGEWATER $4,344.21
268 20615 BROOMES ISLAND $4,338.99
269 21765 LISBON $4,337.88
270 20657 LUSBY $4,337.11
271 21402 ANNAPOLIS $4,329.35
272 20676 PORT REPUBLIC $4,323.18
273 20688 SOLOMONS $4,320.01
274 20610 BARSTOW $4,302.09
275 20685 SAINT LEONARD $4,299.58
276 21919 EARLEVILLE $4,298.03
277 20624 CLEMENTS $4,294.40
278 20621 CHAPTICO $4,292.36
279 21930 GEORGETOWN $4,289.83
280 20818 CABIN JOHN $4,288.14
281 20618 BUSHWOOD $4,287.99
282 20812 GLEN ECHO $4,287.92
283 20871 CLARKSBURG $4,279.98
284 21913 CECILTON $4,278.45
285 20629 DOWELL $4,278.27
286 20817 BETHESDA $4,268.15
287 20895 KENSINGTON $4,264.12
288 20606 ABELL $4,256.97
289 20841 BOYDS $4,256.74
290 20686 SAINT MARYS CITY $4,255.10
291 20609 AVENUE $4,252.35
292 21912 WARWICK $4,243.91
293 20626 COLTONS POINT $4,243.54
294 20627 COMPTON $4,239.29
294 20660 MORGANZA $4,239.29
296 21158 WESTMINSTER $4,238.19
297 20628 DAMERON $4,235.16
297 20630 DRAYDEN $4,235.16
297 20687 SCOTLAND $4,235.16
300 20674 PINEY POINT $4,233.00
301 20670 PATUXENT RIVER $4,229.87
302 20620 CALLAWAY $4,226.08
303 21776 NEW WINDSOR $4,225.99
304 20692 VALLEY LEE $4,220.56
305 20690 TALL TIMBERS $4,220.52
306 20684 SAINT INIGOES $4,218.87
307 21787 TANEYTOWN $4,215.41
308 20680 RIDGE $4,214.42
309 20634 GREAT MILLS $4,209.54
310 20635 HELEN $4,206.34
311 20656 LOVEVILLE $4,202.67
312 20667 PARK HALL $4,202.06
313 20619 CALIFORNIA $4,200.98
314 20653 LEXINGTON PARK $4,190.67
315 20816 BETHESDA $4,189.15
316 20650 LEONARDTOWN $4,180.72
317 20636 HOLLYWOOD $4,170.88
318 20815 CHEVY CHASE $4,168.33
319 20814 BETHESDA $4,165.88
320 21757 KEYMAR $4,160.30
321 21771 MOUNT AIRY $4,057.56
322 21770 MONROVIA $4,055.69
323 21798 WOODSBORO $4,023.23
324 21791 UNION BRIDGE $4,010.70
325 21793 WALKERSVILLE $3,961.90
326 21775 NEW MIDWAY $3,958.12
327 21792 UNIONVILLE $3,953.28
328 21716 BRUNSWICK $3,923.10
329 21769 MIDDLETOWN $3,922.17
330 21754 IJAMSVILLE $3,916.30
331 21702 FREDERICK $3,911.66
332 21774 NEW MARKET $3,900.36
333 21759 LADIESBURG $3,899.51
334 21762 LIBERTYTOWN $3,896.60
335 21758 KNOXVILLE $3,895.49
336 21790 TUSCARORA $3,885.37
337 21704 FREDERICK $3,885.35
338 21778 ROCKY RIDGE $3,884.84
339 21710 ADAMSTOWN $3,880.31
340 21522 BITTINGER $3,876.51
340 21550 OAKLAND $3,876.51
342 21788 THURMONT $3,876.19
343 21777 POINT OF ROCKS $3,870.01
344 21701 FREDERICK $3,866.99
345 21755 JEFFERSON $3,864.12
346 21538 KITZMILLER $3,862.57
347 21541 MC HENRY $3,862.09
348 21531 FRIENDSVILLE $3,858.13
349 21520 ACCIDENT $3,858.07
350 21718 BURKITTSVILLE $3,857.59
351 21523 BLOOMINGTON $3,856.92
352 21635 GALENA $3,854.73
353 21610 BETTERTON $3,854.54
353 21667 STILL POND $3,854.54
355 21561 SWANTON $3,848.31
356 21727 EMMITSBURG $3,841.27
357 21703 FREDERICK $3,839.06
358 21536 GRANTSVILLE $3,837.03
359 21650 MASSEY $3,836.34
360 21678 WORTON $3,836.07
361 21555 OLDTOWN $3,834.68
362 21651 MILLINGTON $3,834.20
363 21766 LITTLE ORLEANS $3,833.00
364 21530 FLINTSTONE $3,829.29
365 21668 SUDLERSVILLE $3,827.18
366 21645 KENNEDYVILLE $3,827.14
367 21713 BOONSBORO $3,825.45
368 21540 LUKE $3,824.30
369 21557 RAWLINGS $3,823.27
370 21562 WESTERNPORT $3,819.88
371 21529 ELLERSLIE $3,814.69
371 21543 MIDLOTHIAN $3,814.69
371 21556 PINTO $3,814.69
371 21560 SPRING GAP $3,814.69
375 21661 ROCK HALL $3,814.52
376 21756 KEEDYSVILLE $3,810.92
377 21539 LONACONING $3,805.34
378 21620 CHESTERTOWN $3,803.82
379 21521 BARTON $3,803.44
380 21628 CRUMPTON $3,797.96
381 21773 MYERSVILLE $3,796.90
382 21853 PRINCESS ANNE $3,796.82
383 21607 BARCLAY $3,796.79
384 21619 CHESTER $3,795.56
385 21666 STEVENSVILLE $3,785.28
386 21669 TAYLORS ISLAND $3,783.14
387 21502 CUMBERLAND $3,782.95
388 21532 FROSTBURG $3,781.48
389 21782 SHARPSBURG $3,780.87
390 21740 HAGERSTOWN $3,780.34
391 21821 DEAL ISLAND $3,780.30
392 21779 ROHRERSVILLE $3,779.25
393 21617 CENTREVILLE $3,778.88
393 21871 WESTOVER $3,778.88
395 21644 INGLESIDE $3,777.88
396 21545 MOUNT SAVAGE $3,777.54
397 21657 QUEEN ANNE $3,777.05
398 21801 SALISBURY $3,776.24
399 21780 SABILLASVILLE $3,776.05
400 21658 QUEENSTOWN $3,775.20
401 21838 MARION STATION $3,774.52
402 21524 CORRIGANVILLE $3,770.36
403 21875 DELMAR $3,768.23
404 21817 CRISFIELD $3,768.10
405 21715 BROWNSVILLE $3,767.92
406 21638 GRASONVILLE $3,767.56
407 21804 SALISBURY $3,763.25
408 21865 TYASKIN $3,761.43
409 21623 CHURCH HILL $3,761.16
410 21824 EWELL $3,760.49
411 21822 EDEN $3,757.84
412 21750 HANCOCK $3,757.47
413 21863 SNOW HILL $3,755.95
414 21874 WILLARDS $3,755.85
415 21814 BIVALVE $3,754.49
416 21849 PARSONSBURG $3,752.45
417 21851 POCOMOKE CITY $3,752.21
418 21830 HEBRON $3,751.72
419 21856 QUANTICO $3,751.23
420 21656 PRICE $3,750.06
421 21676 WITTMAN $3,749.05
422 21625 CORDOVA $3,747.63
423 21829 GIRDLETREE $3,746.63
424 21840 NANTICOKE $3,745.44
425 21850 PITTSVILLE $3,743.03
426 21733 FAIRPLAY $3,742.73
427 21826 FRUITLAND $3,742.57
428 21626 CRAPO $3,742.31
429 21711 BIG POOL $3,741.89
430 21649 MARYDEL $3,741.55
431 21864 STOCKTON $3,740.75
432 21664 SECRETARY $3,739.72
433 21841 NEWARK $3,739.52
434 21634 FISHING CREEK $3,736.39
434 21648 MADISON $3,736.39
434 21672 TODDVILLE $3,736.39
434 21675 WINGATE $3,736.39
434 21677 WOOLFORD $3,736.39
439 21836 MANOKIN $3,736.12
439 21857 REHOBETH $3,736.12
439 21866 TYLERTON $3,736.12
439 21867 UPPER FAIRMOUNT $3,736.12
443 21622 CHURCH CREEK $3,735.36
444 21872 WHALEYVILLE $3,735.19
445 21679 WYE MILLS $3,734.05
446 21861 SHARPTOWN $3,731.96
447 21671 TILGHMAN $3,730.83
448 21613 CAMBRIDGE $3,730.45
449 21869 VIENNA $3,729.74
450 21612 BOZMAN $3,728.71
451 21722 CLEAR SPRING $3,728.06
452 21835 LINKWOOD $3,727.00
453 21631 EAST NEW MARKET $3,724.38
454 21639 GREENSBORO $3,724.27
455 21624 CLAIBORNE $3,720.41
455 21647 MCDANIEL $3,720.41
455 21665 SHERWOOD $3,720.41
458 21643 HURLOCK $3,719.91
459 21609 BETHLEHEM $3,719.63
460 21662 ROYAL OAK $3,719.34
461 21837 MARDELA SPRINGS $3,719.24
462 21673 TRAPPE $3,717.59
463 21813 BISHOPVILLE $3,717.44
464 21636 GOLDSBORO $3,715.52
465 21640 HENDERSON $3,715.18
466 21734 FUNKSTOWN $3,711.93
467 21659 RHODESDALE $3,711.42
468 21654 OXFORD $3,708.41
469 21852 POWELLVILLE $3,706.87
470 21795 WILLIAMSPORT $3,706.29
471 21652 NEAVITT $3,702.66
471 21653 NEWCOMB $3,702.66
473 21663 SAINT MICHAELS $3,702.09
474 21627 CROCHERON $3,701.33
475 21810 ALLEN $3,699.92
476 21862 SHOWELL $3,699.60
477 21842 OCEAN CITY $3,698.26
478 21742 HAGERSTOWN $3,697.62
479 21632 FEDERALSBURG $3,697.12
480 21811 BERLIN $3,696.78
481 21719 CASCADE $3,696.13
482 21601 EASTON $3,689.44
483 21655 PRESTON $3,689.34
484 21641 HILLSBORO $3,688.53
484 21670 TEMPLEVILLE $3,688.53
486 21660 RIDGELY $3,683.98
487 21721 CHEWSVILLE $3,682.15
488 21767 MAUGANSVILLE $3,680.30
489 21629 DENTON $3,679.84
490 21783 SMITHSBURG $3,658.86

Best Car Insurance Companies in Maryland

Finding the right insurance company takes time and a lot of research because it’s a matter of your family’s safety. While you may think that you can just buy the cheapest insurance policy from the market to meet the legal requirement, it might not be the best strategy.

Before finalizing one car insurer, you must shortlist few and seek answers to these questions:

In the next section, we would look at the data points you must collect before buying car insurance.

– Financial Ratings of the Leading Insurers in Maryland

Leading Insurers in Maryland A.M. Best Rating
Geico A++
State Farm Group A++
Allstate Insurance Group A+
USAA Group A++
Erie Insurance Group A+
Nationwide Corp Group A+
Progressive Group A+
Liberty Mutual Group A
Travelers Group A++
Hartford Fire & Casualty Group A+

Checking the financial ratings of insurance providers would tell you about their claims settlement ability in the long run. A.M. Best Ratings, a leading name in credit rating for the insurance sector, assesses the ability of companies to meet their contractual obligations with respect to insurance policies.

Any rating of A and above means that the respective insurer has an excellent ability to meet their current insurance obligations.

– Customer Reviews of Insurers in Maryland

As per studies by Northwestern University’s Spiegel Research Center, around 95 percent of customers read product reviews online before buying something.

Online reviews have become an important data point for consumers all across for making a purchase decision, so can we trust customer reviews for insurance companies?

Though you can search for customer reviews online (sites that publish reviews from real buyers only), trusted companies like J.D. Power publish customer satisfaction surveys every year by judging parameters that make customers renew their policy with the same insurer time and again.

In 2018, J.D. Power’ study found that improvements in policy offerings, billings, and digital interactions have boosted customer satisfaction to a new level.

The factors that contributed to the 2018 U.S. Auto Insurance Study were:

  • Interaction
  • Policy Offerings
  • Price
  • Billing Process and Policy Information
  • Claims

In the Mid-Atlantic region, consumers voted for Erie Insurance as their topmost choice followed by Geico.

JD Power Mid-Atlantic Region Customer Satisfaction Survey

– Complaint Data of Leading Insurers in Maryland

Leading Insurance Companies in Maryland Number of Complaints
Geico 333
State Farm Group 1482
Allstate Insurance Group 163
USAA Group 296
Erie Insurance Group 22
Nationwide Corp Group 25
Progressive Group 120
Liberty Mutual Group 222
Travelers Group 2
Hartford Fire & Casualty Group 9

Looking at the complaints number can tell you more clearly about how satisfied customers are with their insurers as satisfaction surveys only seek answers from a small group of people.

– Average Premium Rates in Maryland

Insurance Company Average Annual Premiums Compared to State Average (+/-) Percentage Change (+/-)
Allstate Indemnity $5,233.17 $650.47 12.43%
Geico Cas $3,832.63 -$750.07 -19.57%
Liberty Mutual Fire Ins Co $9,297.55 $4,714.85 50.71%
NAICOA $2,915.69 -$1,667.01 -57.17%
Progressive Select $4,094.86 -$487.84 -11.91%
State Farm Mutual Auto $3,960.86 -$621.83 -15.70%
USAA $2,744.14 -$1,838.56 -67.00%

– Premium Rates by Different Annual Commutes in Maryland

Insurance Company Commute and Annual Mileage Annual Average Premiums
Liberty Mutual 25 miles commute. 12000 annual mileage. $9,546.53
Liberty Mutual 10 miles commute. 6000 annual mileage. $9,048.56
Allstate 25 miles commute. 12000 annual mileage. $5,307.15
Allstate 10 miles commute. 6000 annual mileage. $5,159.18
Progressive 25 miles commute. 12000 annual mileage. $4,094.86
Progressive 10 miles commute. 6000 annual mileage. $4,094.86
State Farm 25 miles commute. 12000 annual mileage. $4,062.86
State Farm 10 miles commute. 6000 annual mileage. $3,858.87
Geico 25 miles commute. 12000 annual mileage. $3,896.96
Geico 10 miles commute. 6000 annual mileage. $3,768.30
Nationwide 25 miles commute. 12000 annual mileage. $2,915.69
Nationwide 10 miles commute. 6000 annual mileage. $2,915.69
USAA 25 miles commute. 12000 annual mileage. $2,829.44
USAA 10 miles commute. 6000 annual mileage. $2,658.84

If you want to reduce your premium rates, carefully calculating your annual mileage can help you in getting discounts from insurers. Almost all the insurers in Maryland offer a lower rate for motorists driving 10 miles/day.

– Premium Rates by Different Coverage Levels in Maryland

Insurance Company Coverage Type Annual Average Premiums
Liberty Mutual High $9,590.04
Liberty Mutual Medium $9,275.12
Liberty Mutual Low $9,027.48
Allstate High $5,397.13
Allstate Medium $5,199.95
Allstate Low $5,102.42
Progressive High $4,281.91
Progressive Medium $4,095.34
Progressive Low $3,907.33
State Farm High $4,156.65
State Farm Medium $3,972.14
State Farm Low $3,753.81
Geico High $3,995.32
Geico Medium $3,808.14
Geico Low $3,694.42
Nationwide High $3,030.44
Nationwide Medium $2,924.01
Nationwide Low $2,792.62
USAA High $2,878.19
USAA Medium $2,753.05
USAA Low $2,601.17

– Premium Rates by Credit History in Maryland

Insurance Company Credit History Annual Average Premiums
Liberty Mutual Poor $13,288.03
Liberty Mutual Fair $8,563.61
Liberty Mutual Good $6,040.99
Allstate Poor $6,779.90
Allstate Fair $4,730.97
Allstate Good $4,188.63
State Farm Poor $5,794.48
State Farm Fair $3,437.51
State Farm Good $2,650.60
Progressive Poor $5,161.32
Progressive Fair $3,875.85
Progressive Good $3,247.40
Geico Poor $4,344.33
Geico Fair $3,598.70
Geico Good $3,554.85
Nationwide Poor $3,726.47
Nationwide Fair $2,636.53
Nationwide Good $2,384.07
USAA Poor $3,659.27
USAA Fair $2,509.68
USAA Good $2,063.46

Credit score is one criterion that impacts your premium rates significantly. A low credit score signals an individual’s inability to meet long-term premium payment obligations which is factored in by insurance companies while calculating the rates.

Just a quick one-minute video on why keeping a good credit score matters for cheap premium rates.

– Premium Rates by Driving Record in Maryland

Insurance Company Driving Record Annual Average Premiums
Liberty Mutual With 1 DUI $13,177.49
Liberty Mutual With 1 accident $8,825.47
Liberty Mutual With 1 speeding violation $8,465.21
Liberty Mutual Clean record $6,722.01
Allstate With 1 DUI $4,632.04
Allstate With 1 accident $6,158.29
Allstate With 1 speeding violation $5,510.30
Allstate Clean record $4,632.04
Geico With 1 DUI $5,144.48
Geico With 1 accident $4,234.15
Geico With 1 speeding violation $3,232.71
Geico Clean record $2,719.17
Progressive With 1 DUI $4,229.05
Progressive With 1 accident $4,633.82
Progressive With 1 speeding violation $4,020.51
Progressive Clean record $3,496.06
State Farm With 1 DUI $3,915.37
State Farm With 1 accident $4,461.30
State Farm With 1 speeding violation $3,915.37
State Farm Clean record $3,551.42
USAA With 1 DUI $3,849.72
USAA With 1 accident $2,645.44
USAA With 1 speeding violation $2,323.31
USAA Clean record $2,158.09
Nationwide With 1 DUI $2,744.79
Nationwide With 1 accident $3,443.50
Nationwide With 1 speeding violation $2,908.52
Nationwide Clean record $2,565.95

Needless to say, if you’re a high-risk driver with a record of speeding violation or accident, you would be charged a high premium. Some insurers take DUI records quite seriously than any other record and penalize through a much higher rate.

– Leading Car Insurance Companies in Maryland

Insurance Company Direct Written Premiums Market Share
Geico $1,173,739 23.98%
State Farm Group $940,404 19.21%
Allstate Insurance Group $582,872 11.91%
USAA Group $422,116 8.62%
Erie Insurance Group $376,241 7.69%
Nationwide Corp Group $373,032 7.62%
Progressive Group $310,170 6.34%
Liberty Mutual Group $185,153 3.78%
Travelers Group $81,122 1.66%
Hartford Fire & Casualty Group $50,075 1.02%

– Number of Car Insurers in Maryland

Type of Insurer Number
Domestic 32
Foreign 860

State Laws in Maryland

You have learned about car insurance coverage and companies in Maryland till now.

Keeping the best of your interest in mind, we would talk about the laws in your state in the next few sections that would make you a safer driver, thereby helping you to get cheaper rates.

– Car Insurance Laws in Maryland

Every state has laws specific to car insurance to protect the rights of consumers and to prevent fraudulent activities. Through its laws, every state ensures that registered insurance companies are capable of sustaining their business in the long run as well as offer coverage to everyone.

– Windshield Coverage Law in Maryland

Maryland doesn’t have anything specific with respect to windshields in its law, however, if there’s damage then the motorist is expected to get it replaced with another one of similar quality as originally provided.

– High-Risk Insurance in Maryland

Insurance companies can’t operate with a loss ratio of more than 100 percent which would mean that they have to pay more in claims than they earn through premiums. As a result, they refuse coverage to high-risk drivers. Let’s see who are high-risk drivers.

Motorists who have accumulated multiple records of speeding violations and accidents are considered high-risk because there’s a high probability that they would file for claims more frequently.

To help high-risk drivers buy coverage, the state of Maryland established the Maryland Auto Insurance Fund (MAIF) in 1973. This independent agency provides liability insurance coverage to motorists who are unable to buy insurance in the voluntary market.

Note: The MAIF was rebranded as Maryland Auto Insurance in the year 2015.

Who’s eligible for getting coverage under the MAIF?

If you’re a Maryland resident with a valid driver’s license who has been denied coverage by more than two insurance companies, then you’re eligible to apply to the fund.

How does the MAIF function?

The MAIF is an independent agency of the state of Maryland which is not funded by the state funds. The organization operates through its private network of over 1,400 insurance agents who write policies for motorists.

– Auto Insurance Fraud in Maryland

When it comes to auto insurance fraud in Maryland, the most common problems faced by insurers are – people using a different address to get cheap rates and claims from accidents in which one car has fled the scene making it difficult for authorities to prove anything.

In automobile insurance fraud, the cost of claims settlement from insurance frauds are passed on to other motorists. If you live in an area where insurance fraud is common, your premium rates would be on the higher side.

To give you some perspective on how costly insurance fraud can be – claims from fraudulent accidents added $500,000 to Geico’ premiums in the state, which included $300,000 from Baltimore itself.

How do you think these insurance companies handle fraudulent claims? If the claim amount is less than the amount it would take them to investigate the case, they simply settle the claim and pass on the cost to motorists through higher premium rates.

Recently, the Maryland Insurance Administration penalized people who were following the ‘crash and buy‘ scheme in Maryland. Under the scheme, people bought coverage after causing an accident and claimed that the accident happened after the policy was purchased.

If you’re a motorist in Maryland, please report fraudulent cases if you ever come across one.

– Statute of Limitations in Maryland

To bring a civil lawsuit after an accident, the state of Maryland has implemented a statute of limitations in which you can sue the at-fault party.

For both personal injury and property damage, you’re given a period of three years to claim damages if you decide to take the legal path.

– Vehicle Licensing Laws in Maryland

Laws to ensure the validity of your license, renewal cycles, Real ID compliance can save you penalties from law enforcement officers.

– Real ID Enforcement in Maryland

The state of Maryland has been Real ID compliant since 2011, and that’s why your current driver’s license was acceptable as proof to board commercial flights.

Starting October 2020, your old driver’s license wouldn’t be accepted as proof for domestic air travel and entry into certain federal facilities, such as a nuclear power plant.

What is Real ID?

Real ID was established as a new security measure under the federal law to regulate how different states issue identification cards and driver’s license that would determine entry into federal facilities and travel by commercial flights.

If you don’t know whether your license is Real ID compliant or not – you can check it online on the MVA website.

To understand the procedure for getting a Real ID compliant license, please watch this short video.

– Penalties for Driving without Insurance in Maryland

Driving without insurance coverage in Maryland is a serious offense which attracts penalties and frequent crackdowns by the law enforcement officers.

  • First Offense – If a motorist is unable to show proof of insurance, he/she faces around $1,000 in fines and the possibility of a year in prison. It can also add five points to your driving record.
  • Second Offense – If you’re caught without insurance for the second time, you would have to pay fines of around $2,000 and prison time can increase to two years along with five additional points on the license.

– Teen Driver Laws in Maryland

Law enforcement officers are pretty harsh to teenagers who get involved in an accident or a speeding violation because of their lack of understanding about the consequences of crashes.

Not only that, as parents you’re always concerned about their safety because they are new to driving. In this section, we will talk about the licensing restrictions and rules for teenagers in Maryland.

– Learner’s Permit

The minimum age to get a learner’s permit in Maryland is 15 years and 9 months. Teenagers can get a learner’s permit by passing the knowledge and vision test.

If you study the Maryland Driver’s Manual well, you can easily get the learner’s permit. However, to progress to the provisional license, teenagers must follow the restrictions imposed on the learner’s permit.

Requirement Details
Minimum Holding Period 6 months
Supervised Driving Hours Total driving - 60 hours
Nighttime driving -10 hours
Driver Education Classroom - 30 hours
Behind the wheel - 6 hours
Supervising Adult Age - 21 or older (should have held license for 3 years)
– Provisional License

Teenagers are eligible for their provisional license once they reach the age of 16 years and 6 months provided they complete the restrictions/requirements under the learner’s permit. To get a provisional license, teens must pass the behind the wheels test.

Requirement Details
Alcohol Consumption No trace of alcohol is allowed for teenagers
Nighttime Restrictions 12 AM - 5 AM (allowed under specific circumstances)
Passenger Restrictions Not allowed to drive with passengers under 18 (unless accompanied by a qualified driver or driving with family members)
– Unrestricted License

With a provisional license, teens must successfully drive for 18 months to be eligible for an unrestricted license.

– License Renewal Procedure in Maryland

Maryland allows license renewal by mail as well as online for everyone in the state irrespective of their age. Motorists are required to renew their licenses every 8 years.

– New Residents in Maryland

If you’re new to Maryland, you would be required to register your vehicle in the state and show proof of insurance. Vehicles need to pass the Maryland Safety Inspection before getting a registration certificate.

– Rules of the Road in Maryland

Speed limits, seat belt laws, move over laws are quick to forget once you start driving. Brushing up on these once in a while would keep you away from the radar of law enforcement.

– Fault vs No-Fault

Maryland follows the tort law or the fault system to determine the responsible party for paying damages in the event of an accident.

In the at-fault system, insurers first find fault in an accident and accordingly settle claims. The party who is responsible for causing an accident is liable to pay all personal injury and property damage costs.

– Seat Belt and Car Seat Laws in Maryland

In Maryland, all occupants of a motor vehicle are required to wear seat belt irrespective of their position in the car.

The child passenger safety laws of Maryland require all children below the age of eight to be restrained in an appropriate car seat if they aren’t 4’9″ or taller. Children between the age of 8-16 should be restrained by using a seat belt, if not placed in a car seat.

Penalties for violating the car seat law – If you don’t put your child in an appropriate restraint, you may be charged a fine of $25.

–Can children ride in the front seat?

Children are allowed to sit in the front seat, provided they aren’t restrained in a rear-facing car seat.

– Keep Right and Move Over Laws in Maryland

The move over laws in Maryland require motorists approaching a stationary emergency vehicle (including tow trucks, service vehicles, and municipal vehicles) with flashing lights to change their lanes if the situation permits them to do so.

– Speed Limits in Maryland

Type of Road Speed Limit
Baltimore County Alleys 15 mph
Business Districts 30 mph
Residential Districts - Undivided Highways 30 mph
Residential Districts - Divided Highways 35 mph
Non Residential Districts - Undivided Highways 50 mph
Non Residential Districts - Divided Highways 55 mph

– Ridesharing Laws in Maryland

Since 2015, Maryland has become stricter and laid down regulations for ridesharing companies like Uber and Lyft. The state requires drivers intending to drive for Uber or Lyft go through multiple levels of checks before being accepted into the system, such as criminal background checks, driving record checks, drug screening, physical tests, etc.
From December 2015, the state of Maryland has cancelled applications of around 4,000 drivers – the vast majority being Uber drivers – as they were unable to pass the screening requirements.

– Automation on the Road in Maryland

Maryland established the Connected and Automated Vehicles (CAV) group to oversee the research and development of automated vehicles in the state.
Testing Sites: On the website of MVA, the state seeks applications from interested companies to start a conversation for the deployment and testing of autonomous vehicles. The state also owns many designated sites to allow testing of automated vehicles.

– Safety Laws in Maryland

Safety on the road starts with all your focus on driving. If you’re drunk or distracted while driving, you would get involved in an accident most certainly. Let’s look at the laws in Maryland that prohibit distracted driving.

– DUI Laws in Maryland

Driving under the influence of alcohol and other substances is a serious offense that can lead to heavy penalties and license suspension for a long time.

If you’re under 21, a blood alcohol concentration of more than 0.02 percent falls under the category of DUI offense. For those who are above 21, a BAC limit of 0.08 percent or more is DUI, and 0.04 percent in case of commercial drivers.

– Penalties for DUI offense?
  • First Offense: At the first offense, you would be slapped a fine of up to $1,000 and up to a year in jail along with license suspension for at least 45 days.
  • Second Offense: If you’re caught the second time, you would have to pay up to $2,000 in fines and spend up to two years in jail. Also, your license would be suspended for at least a year.
  • Third Offense: At the third offense, the fines would increase to $3,000 and jail time would be up to three years. This time your license would be suspended for at least 18 months.

Apart from these penalties, you have to remember that insurance companies penalize drivers with DUI records heavily. Premiums charged from these drivers are much higher than the rates for drivers with a clean record.

– Distracted Driving Laws in Maryland

All drivers in Maryland are prohibited from using hand-held phones for calling and texting while driving. if you’re caught making a phone call, you would be charged a fine of $40 for the first offense and $100 for any subsequent offenses.

Maryland Can’t-Miss Facts

By now, you are aware of the coverage options that you can avail, factors that determine your rates, laws that govern car insurance rates, rules of the road that you must follow, and the details about car insurance companies in Maryland.

In this last section, we would present some facts and figures about the fatality rates, factors causing these fatalities, most popular vehicle for theft, and many other stats that would give you a better idea of why there are so many laws in the first place!

– Vehicle Theft in Maryland

Make & Model Most Popular Vehicle Year for Theft Number of Cars Stolen
Dodge Caravan 2003 727
Honda Accord 2008 675
Toyota Camry 2014 347
Honda Civic 2012 313
Ford Pickup (Full Size) 2004 287
Nissan Altima 2013 230
Toyota Corolla 2014 204
Jeep Cherokee/Grand Cherokee 2015 194
Chevrolet Pickup (Full Size) 1999 192
Hyundai Sonata 2013 169

The most popular vehicle for theft in Maryland is the 2003 Dodge Caravan.

– Road Dangers in Maryland

Dangerous driving can lead to fatalities, but there are other factors like weather conditions that may cause havoc. Let’s look at the fatality data in Maryland.

– Fatal Crashes by Weather Condition in Maryland

Weather Condition Daylight Dark, but Lighted Dark Dawn or Dusk Other / Unknown Total
Normal 184 117 104 18 0 423
Rain 14 9 9 4 0 36
Snow/Sleet 2 0 1 0 0 3
Other 1 5 0 0 0 6
Unknown 16 8 15 2 2 43
Total 217 139 129 24 2 511

– Traffic Fatalities by Road Type in Maryland

Type of Road 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017
Rural 222 203 182 170 180 167 149 125 108 126
Urban 368 342 313 311 325 295 293 378 408 416

– Fatalities by Person Type in Maryland

Person Type 2013 2014 2015 2016 2017
Passenger Car 181 174 214 192 213
Light Truck - Pickup 39 24 42 33 42
Light Truck - Utility 40 48 50 47 51
Light Truck - Van 19 8 11 19 12
Large Truck 5 7 10 12 10
Other/Unknown Occupants 2 2 8 9 6
Total Occupants 286 264 335 318 337
Light Truck - Other 0 1 0 0 3
Bus 0 0 0 6 0
Total Motorcyclists 62 69 75 76 86
Pedestrian 108 101 97 108 114
Bicyclist and Other Cyclist 6 5 11 16 10
Other/Unknown Nonoccupants 3 3 2 4 3
Total Nonoccupants 117 109 110 128 127
Total 465 442 520 522 550

– Fatalities by Crash Type in Maryland

Crash Type 2013 2014 2015 2016 2017
Total Fatalities (All Crashes) 465 442 520 522 550
Single Vehicle 269 254 280 288 304
Involving a Large Truck 58 49 58 63 48
Involving Speeding 148 134 124 132 160
Involving a Rollover 71 65 99 60 59
Involving a Roadway Departure 226 205 249 222 262
Involving an Intersection (or Intersection Related) 100 127 145 146 163

– Fatalities by Top 10 Counties in Maryland

Rank County 2013 2014 2015 2016 2017
1 Prince Georges 87 98 96 78 99
2 Baltimore County 58 64 69 54 72
3 Anne Arundel County 34 37 37 44 44
4 Baltimore City 31 30 42 53 38
5 Charles County 16 8 15 29 35
6 Montgomery County 40 39 47 42 33
7 Cecil County 17 14 16 21 31
8 Frederick County 20 18 20 16 27
9 Carroll County 20 11 16 21 25
10 Harford County 25 17 22 25 21
Sub Total 1 Top Ten Counties 354 358 385 390 425
Sub Total 2 All Other Counties 111 84 135 132 125
Total All Counties 465 442 520 522 550

– Teen Drinking and Driving in Maryland

Around 60 teenagers were arrested for drinking and driving in 2016. Though Maryland ranks at 39 among all states in underage DUI arrests, make sure that you avoid driving after drinking.

The fatality rate per 100,000 for under 21 drunk driving was 0.6 for Maryland in 2016, which was much lower than the national average of 1.2 as per the Foundation for Advancing Alcohol Responsibility.

– EMS Response Time in Maryland

The response of emergency medical service can be critical after an accident, especially if it’s a severe one. Let’s take a look at how much time does EMS take to reach in Maryland.

Road Type Time of Crash to EMS
Notification
EMS Notification to
EMS Arrival
EMS Arrival at Scene
to Hospital Arrival
Time of Crash to Hospital
Arrival
Total Fatal Crashes
Rural 2.00 11.81 35.76 46.88 99
Urban 3.12 10.40 29.25 39.23 379

The EMS response time is much better in urban areas wherein it takes EMS to reach a hospital in just 39 minutes from the time of the crash.

– Transportation in Maryland

Reasons like the number of cars owned by residents, commute time to work, and the preferred mode of transportation are all interrelated to each other. The more cars households own in a city, the more would be the traffic on the road leading to a longer commute to work.

Let’s look at what’s causing all the long commutes to work in Baltimore!

– Car Ownership in Maryland

Car Ownership in Maryland

Almost 40 percent of the households in Maryland own two cars, just like the national average for car ownership as per Data USA. You can see the chart above to know about the share of cars owned under different buckets by residents of Maryland and America (grey bars) on the whole.

– Commute Time in Maryland

Commute Time in Maryland

The commute time for employees in Maryland is slightly higher than the national average of 25 minutes. If we use averages, it takes commuters around 31 minutes to drive to work.

– Commuter Transportation in Maryland

Commuter Transportation in Maryland

Commuters in Maryland prefer to drive alone to work compared to carpooling and using public transport which resonates with the preference of employees across the US.

– Traffic Congestion in Maryland

Yes, it’s a well-known fact that traffic congestions in Baltimore is one of the worst in America.

As per the famous traffic data analytics firm Inrix, Baltimore is the 15th most congested city in the US.

In 2018, commuters in Baltimore spent around 94 hours in traffic congestion which cost each drive an average of $1,315 due to lost fuel consumption, and wages.

Traffic speed in Baltimore

The Inrix chart above shows the daytime travel speeds for commuters in Baltimore. During peak hours, the average speed is around 25 mph.

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References:
  1. http://www.mva.maryland.gov/vehicles/insurance/
  2. http://www.mva.maryland.gov/
  3. http://www.mva.maryland.gov/vehicles/insurance/certification.htm
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