Car insurance in Maryland, like gas or rent, is expensive yet necessary. It doesn't just protect your car from dents; it protects you and other drivers from both bodily harm and financial ruin. For that reason, Maryland car insurance isn't just something that drivers in the "Old Line State" should have; it's something they
have.
Car insurance in Maryland doesn’t have to break the bank. You may be able to save by shopping around, declining unnecessary coverage and trading high deductibles for lower premiums. Indeed, you can cut costs, but you can't cut corners. If you drive in Maryland, you need car insurance in Maryland. Here's what kind and how much, according to Maryland state law:
Browse Maryland auto insurance rates online
If you need Maryland auto insurance, the Internet is a good starting point. Available from all major car insurance companies in Maryland, online quotes offer a fast and convenient way to research and compare premiums.
I recommend: Get comprehensive online quotes from car insurance companies in Maryland at websites like
InsWeb,
Insurance.com,
InsuranceUSA and
InsuranceFinder, or from companies like
Progressive and
Esurance, which quote both their own and competitors' rates.
Get quotes for car insurance in Maryland from national providers
Most major car insurance carriers offer auto insurance in Maryland and all provide competitive Maryland car insurance rates.
I recommend: Among the largest and most popular auto insurance companies in Maryland are
AIG,
Allstate,
Chubb,
Farmers,
GEICO,
The Hartford,
Liberty Mutual and
State Farm. National associations like
AAA and
AARP are also good sources for affordable auto insurance in Maryland.
Get car insurance in Maryland from local and regional companies
The cost of auto insurance in Maryland can vary dramatically; for some of the most affordable rates, consider locally based providers.
I recommend: For automobile insurance in Maryland, try Maryland-based companies like
The Peninsula Insurance Company,
Brethren Mutual Insurance Company and
IAICO. Also consider local programs like the
Maryland Automobile Insurance Fund, which was created in 1972 for drivers who can't easily find auto insurance in Maryland.
Use an independent agent to find Maryland car insurance bargains
Buying car insurance in Maryland via an independent insurance agent can expose you to new resources, practical advice and special rates.
I recommend: To find an independent agent who can sell you car insurance in Maryland, search the membership directory for the
Independent Insurance Agents of Maryland, or for its parent association, the
Independent Insurance Agents & Brokers of America.
Choose auto insurance companies in Maryland that you can trust
Before doing business with Maryland auto insurance providers, review their records with consumers to make sure they are reliable, reputable and responsible.
I recommend: If you subscribe to
Consumer Reports, you can check up on car insurance companies in Maryland. Another good resource is the
Maryland Insurance Administration, which licenses
Maryland car insurance companies and publishes
market conduct exams analyzing the business practices of auto insurance companies in Maryland.
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