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Best Affordable Auto Insurance in Maryland
Get Free Quotes and Find the Best Coverage

While Maryland law prohibits citizens from operating a motor vehicle without auto insurance, the state also aims to make the basic policy affordable and reasonable. You can find cheap car insurance in Maryland if you're willing to get multiple free quotes and read up on what parts of your policy are really required. The minimum coverages and coverage limits required by Maryland law are: liability coverage of $30,000 for bodily injury to one person $60,000 to bodily injury to two or more people because of an accident you caused, as well as $15,000 for property liability coverage. In addition, Maryland drivers are required to have a minimum amount of both personal injury protection and uninsured/underinsured motorist coverage. The law requires personal injury protection coverage of $30,000 in bodily injury for one person and $60,000 for bodily injury for two people. Uninsured motorist coverage varies depending on region, so be sure you are getting the minimum rate when discussing your policy with an insurer. While both comprehensive and collision coverages are recommended, they are completely optional, and if you choose to forgo them, you can save big money on your policy. Finding the best and most affordable auto insurance in Maryland can be an arduous task. Thankfully here at Best Auto we have done all the hard work to help you not only get free quotes, but find the best coverage and policy in Maryland. Below is all of the essential car insurance information you need, as well as the best auto insurance companies serving the Old Line State.

Understanding Maryland's Auto Insurance Requirements

Remember that the minimum requirement for car insurance differs from state to state and in order to get the best auto insurance quotes in Maryland one must understand what coverage they need. Maryland is not a no-fault state, but it does require Personal Injury Protection (PIP) to be a part of your policy, as well as coverage from uninsured motorists.

In insurance vernacular a state's basic information on minimums for coverage are presented in the Body Injury Liability for 1 person/Body Injury Liability for all people/Property Liability Damage format. Body Injury liability refers the minimum dollar amount required for one person in an accident. Body Injury Liability for all people is the minimum amount required for coverage in an accident involving at least 1 driver and 1 passenger. Property Liability Damage refers to the minimum amount required for any accident in which property is damaged. In Maryland the minimums are 20/40/5. The numbers are in thousands of dollars.

Maryland Car Insurance Facts & Car Insurance In Comparison:

  • Liability Insurance Required: Yes
  • Minimum Coverage Required: 20/40/5
  • No-Fault State: Yes
  • Personal Injury Protection Required: Yes
  • Uninsured Motorist Coverage Required: Yes
  • Average Liability Cost: $547
  • Average Collision Cost: $319
  • Average Comprehensive Cost: $143
  • Average Cost per Year in Maryland: $922
  • US Average Cost: $795
  • Expense Rank: 13/51

Best Maryland Auto and Car Insurance Companies

J.D. Power
Overall Rank
Customer
Satisfaction
52%
N/R
N/A N/R
41%
N/A 53%
37%
55%
N/R
N/A N/R
N/A 48%
65%
N/R
39%
63%
N/A 42%
N/A 55%
34%
N/R
35%
N/A 23%
42%
N/R
N/A N/R
N/A 75%
34%
33%
N/A 42%
N/A N/R
N/A N/R
N/A 65%
N/A N/R
N/A 34%