You might not know this, but Maryland is the birthplace of the national anthem. But when you think about it, what’s more patriotic than getting a great deal on car insurance?
Not much, in our minds. That’s why we’ve done our homework and pulled together everything you need to know about getting affordable car insurance in Maryland, whether you’ve lived in the Free State your whole life or you’re looking to move there.
Strap in. We’re getting started.
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No one likes spending their hard-earned money on car insurance, but unfortunately it’s the law. If you’re getting behind the wheel, you need to have car insurance in place. And not just any policy: you need to have the minimum amount of coverage for the state of Maryland.
So, what does that involve? Maryland has one of the stricter requirements in the U.S. You need liability, uninsured/underinsured motorist, and personal injury protection. Here’s a quick summary:
Keep in mind, if your vehicle is leased or financed, you may have stricter requirements from the lender so that they can help protect their investment.
If you’re wondering if the above is enough coverage, it can depend. In a minor fender-bender, it might suffice, but a large accident can quickly deplete these coverage amounts. This is why it’s always a good idea to get more coverage than you think you need, to be safe.
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We know cost is on everyone’s mind, especially with inflation and rising costs of living. And we have some good news and bad news for you.
Let’s get the bad news over with: the fact is that minimum coverage is higher in Maryland than the national average (over 30% higher). Minimum coverage in Maryland averages $815 per year.
But here’s the good news: those who want full coverage will rejoice, because it’s under the national average. Full coverage in Maryland averages $1,971 per year.
Of course, it’s always safer to go with more than the minimum amount of coverage, so the above figures might help persuade you.
Here are some more fast facts to give you a better idea on the cost of car insurance in Maryland:
You want good coverage. But you also want cheap auto insurance in Maryland. Where’s the middle ground? Stay tuned for tips and tricks to save on your car insurance rates.
In the meantime, give up the guesswork and get access to free quotes here, so that you can better plan for what you’ll actually pay in car insurance.
Before you default to skimping on coverage or choosing minimum coverage, it’s worthwhile to find savings that can help you get the best of both worlds: coverage that protects you and that fits in your budget.
Here are our tried and true tips for cutting down car insurance rates:
You don’t have to settle for sky-high rates. These tips, when combined, can net you as much as 30% in savings on your car insurance rates, and who would say no to that?
Free Car Insurance Comparison - Save up to 30%
No junk mail. No spam calls. Free quotes.
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You’re now ready to start looking at car insurance quotes. You know the coverage you need, you have a better sense of cost, and you have some handy tricks up your sleeve to rack up the savings.
Need help getting started? It’s easy. Click here for access to free car insurance quotes fast, and you’ll be cruising to great coverage.
We’ve got you covered.
