Archive for the ‘Maryland Car Insurance Rates’ Category

Affordable Car Insurance Rates In Baltimore – Compare Free Auto Quotes

Auto insurance prices in Baltimore can be very cheap, if you are comparing multiple companies. We research single and multi-car insurance rates in all of Maryland so you save money with our free online quotes. Whether you live in Baltimore, Columbia, Hagerstown or any other part of the state, we help you find the best offers from all of the major carriers. Customized proposals are always included in our quotes. Washington DC and Northern Virginia prices are also offered, along with inexpensive minimum liability limit options. The average cost of Baltimore coverage is about $175 per month, although rates greatly vary between carriers.

Of course, full coverage (collision and comprehensive) will always cost more than basic liability, regardless of the type of vehicle you drive. But there are many cost-effective deductible and liability combinations we show you. And although a poor MVR report will raise your premium, a clean driving record can easily save you thousands of dollars per year. Non at-fault accidents and comprehensive claims generally do not impact your rate. Multiple comprehensive claims (fire, theft, and vandalism) can raise your premium. The best car insurance for new drivers in Baltimore has slightly reduced from last year.

Bundle Your Coverage

Additional property and casualty products are also offered in the “Charm City,” and the bundling of these products can reduce the premium. Adding your home, personal property, condo, boat, TV, mobile home, or rental property coverage may reduce your automobile rate. A personal liability umbrella is recommended for persons that own boats or rental property. The standard face amount for umbrella contracts is $1 million or $2 million. Deductibles typically range from $500 to $2,500.

Many larger cities have substantially higher premiums than smaller cities, Maryland, however, is an exception. Larger MD metropolitan areas don’t necessarily cost more than many nearby rural areas. But why? Is it because it’s the second largest seaport in the US? Or perhaps it receives hardly any snow compared to other big cities in the East. There are several explanations that we will discuss below.

NOTE: Nearby towns and cities that also feature competitive rates include Calverton, Rosedale, Dundalk, Catonsville, Overlea, Essex, Pikesdale, Ferndale, Elkridge, and Brooklyn Park. Several nearby Counties that feature lower-than average pricing include Howard, Frederick, Kent, Calvert, Montgomery, and Queen Anne’s. Several of the MD communities with the highest prices include Oxon Hill, Gwynn Oak, Suitland, Capitol Heights, Bladensburg, and Temple Hills.

Find Cheap baltimore Auto Insurance Rates

Good Student Discounts Can Save Hundreds Of Dollars

Rural Areas

There are still many rural areas that seem to have better driving habits, and of course, less accidents. Lighting is very good on most streets at night, and incidences of theft are much lower. Teenagers are more conscientious than other larger cities, which can have a dramatic impact on prices, especially if you have a teenager (or two) in your household. Statistically, teenagers are involved in less incidents on the road than most other comparably-sized cities.

Also, the amount of night driving is slightly lower than many other places. Certainly, this helps reduce the volume of fender-benders. Earlier curfews also contribute to a lower incidence of accidents. In cities where curfews are at least an hour earlier than the national average, the number of thefts and accidents is 15% lower. The frequency of auto accidents per capita is definitely lower.

Although there is plenty of nightlife in the city, most residents return home at reasonable hours. The city’s vehicle theft ratio is about 9 per each 1,000 residents. The number seems low, but it’s approximately 400% of the national ratio. Increased police surveillance would likely reduce the numbers of vehicle thefts. Future legislation may increase the budget needed to hire more law enforcement to protect city residents and local business owners.

Keeping kids “off the streets” helps insurance rates and helps local communities. Recently, young adults and youths have been offered summer-employment opportunities by YouthWorks. Anyone aged 14-21 is eligible, and about 900 different locations offer a wide variety of work options in many industries. A summer program (virtual during pandemics) is usually offered from late June to early August. The Mayor’s Office of Employment Development runs the program.

Several of the local companies and organizations that have helped fund the project include University of Maryland Medical Center, United Way of Central Maryland, Comcast, and Sagamore Development Company.

NOTE: The following zip codes are used when calculating the average Baltimore car insurance rates: 21211, 21213, 21226, 21215, 21230, 21214, 21251, 21217, 21263, 21216, 21287, 21218, 21201, 21202, 21205, 21223, 21225, 21231, 21203, 21233, 21264, 21265, 21270, 21273, 21274, 21275, 21278, 21279, 21280, 21281, 21283, 21288, 21290, 21297, and 21298. Also, Raspeburg (21206), Gwynne Oak (21207), Pikeville (21208), Mt. Washington (21209), Roland Park (21210), Govans (21212), Clifton (21213), Arlington (21215), and Druid (21217) were included.

Baltimore Has The Worst Drivers? Is It True?

Partially true. There are several articles that rank our drivers among the worst in the US. An older CBS article ranks DC drivers 4th and Baltimore drivers 9th, and points out that running red lights and not putting on a turn signal are quite common in the area. Taxi-cabs are cited for having some of the worst habits, although you’ll find this erratic behavior in almost every other big city. New York cabbies may be the worst offender. And Washington DC cabbies aren’t far behind!

Traffic congestion can also be a concern, since the city ranks in the top-40 for the amount of congestion. A recent urban mobility report indicated that congestion is at all-time high levels. Typically, city drivers spend about 60 hours each year stuck in traffic, and uses about 22 gallons of excess fuel. The total vehicle cost is between $750 and $1,000. January and February are typically the months with the most congestion. Thursdays from 5 p.m. to 6 p.m. are the most congested times.

Adverse weather also contributes to the number of accidents. Winter months often feature unpredictable weather and road conditions. Traffic moves slower, but the unpredictable highway surfaces cause a significant rise in accidents and claims. June, July, and September are the rainiest months in the area. July is the hottest month of the summer, with many families driving into and out of the state for vacations.

Ironically, cab companies are teaming with local unions in the area to attempt to stop ride-sharing companies from cutting into their market share. Companies like Uber, Lyft and SideCar are able to operate without meeting some of the requirements that others in the same industry must adhere to. However, the State Regulating Commission recently ruled that these new companies must now apply for a permit.

Uber’s popularity continues across the US because of their simple App and low prices. Rides to and from Baltimore/Washington International Thurgood Marshall Airport (BWI) are very inexpensive. The average cost of a trip from Baltimore to Rockville is about $74 with an average travel time of 51 minutes. The average cost of a trip from Baltimore to Dulles International Airport is about $108 with an average travel time of 80 minutes. The average cost of a trip from Baltimore to Hanover is about $28 with an average travel time of 33 minutes. The average cost of a trip from Baltimore to Baltimore-Washington International Airport is about $21 with an average travel time of 31 minutes.

Find Cheap Car Insurance Rates In Baltimore

Just getting off-topic for a moment, I grew up in Harrisburg (about 90 minutes to the North) and we regularly made the trek down to Maryland for shopping and buying bagels. Regardless of the season or weather, it was a family tradition. Although old Memorial Stadium is long gone, the sights of Camden Yards, the National Aquarium and Harborplace still make it almost a second home to me.

And of course, the ex-Super Bowl Champion Ravens can not be forgotten, even though it’s been nine years since the big win. The parade, celebration, and accolades were memories that all residents will remember. With Lamar Jackson, the chances of additional Super Bowls are high, if they can provide more talent.

Sample Auto Insurance Rates In Baltimore County (Monthly)

Assumptions: 30-year-old single female who owns her home. She drives a 2016 Nissan Altima approximately 15-20 miles each way to work, and approximately 15,000 miles per year. There are no moving violations or at-fault accidents within the last 36 months, and her credit score is excellent. We also assume her MD homeowner’s coverage is with the same carrier. Liability limits (including UM) are 100,000/$300,000/$100,000 with $2,500 of PIP. Collision and comprehensive deductibles are $500 and $250.

$67 – Progressive Select

$73 – USAA

$92 – Horace Mann

$107 – USAA Casualty

$108 – Erie

$119 – Mutual Benefit

$122 – American National

$128 – Geico

$129 – State Farm

$136 – Encompass

$136 – Penn National

$137 – Safe Auto

$156 – CSAA

$170 – Travelers

$206 – Unitrin

Assumptions: 35-year-old married male and 32-year old married female who own their home. He drives a 2010 Dodge Dakota Crew Cab Pickup approximately 10 miles each way to work, and approximately 35,000 miles per year. She drives a 2017 Nissan Rogue SL approximately 10 miles each way to work, and approximately 15,000 miles per year. There are no moving violations or at-fault accidents within the last 36 months, and the credit score is excellent. We also assume their homeowner’s coverage is with the same carrier. Liability limits (including UM) are 250,000/$500,000/$100,000 with $2,500 of PIP. Collision and comprehensive deductibles are $500 and $250.

$83 – Progressive Select

$114 – Safe Auto

$126 – Horace Mann

$156 – CSAA

$157 – Progressive Specialty

$165 – American National

$167 – USAA

$174 – Erie

$196 – State Farm

$198 – Garrison Property And Casualty

$203 – Old Dominion

$234 – Nationwide

$238 – Root Insurance

$254 – Cincinnati Insurance

$255 – AIG

Assumptions: 50-year-old single male who owns his home. He drives a 2016 Ford F-150 XLT 4×4 approximately 30 miles each way to work, and approximately 25,000 miles per year. There are no moving violations or at-fault accidents within the last 36 months, and the credit score is excellent. We also assume their homeowner’s coverage is with the same carrier. Liability limits (including UM) are 100,000/$300,000/$100,000 with $2,500 of PIP. Collision and comprehensive deductibles are $500 and $250.

$69 – Progressive Select

$87 – Horace Mann

$92 – American National

$96 – Erie

$101 – Root Insurance

$108 – USAA

$114 – Penn National

$115 – USAA Casualty

$118 – Geico Casualty

$128 – IDS Property Casualty

$131 – CSAA General

$132 – Mutual Benefit

Progressive Is One Of Many Companies With Attractive Rates

In the example above, Progressive’s prices were the most competitive of the handful of carriers we checked. In fairness to all of the other companies, if we changed our sample male age to 55, added a spouse and an additional vehicle, and perhaps a moving violation, the results would be different. Actually, very different. Many carriers offer their most competitive pricing to persons age 55 (and over) that have at least 35 years of driving experience.

Or, if we added a few teen drivers, each with an accident or ticket, that scenario may show another carrier with much better prices. Since your personal situation can be very fluid with the changing of vehicles, drivers and residences, comparing multiple companies every few years is recommended. If you move more than 30 miles away from your previous residence, comparing new rates should also become a priority. Also, when one or more youthful drivers are removed from the policy (marriage, move, etc…) it’s always wise to re-evaluate how competitive your current rates are.

Snapshot From Progressive

Progressive also offers their “Snapshot” program, which is an electronic device attached to your vehicle that monitors how you drive. It can save you money, depending upon how often and far you drive. Although the largest reductions will generally be retirees and persons that don’t drive large distances, workers that carpool may see some reductions as well. If you are a safe driver, and stay within posted speed limits, you may also be able to lower your premium.

It takes about 10 days to receive the device, and easily plugs into your vehicle’s diagnostic port, which is located under the dashboard on the driver’s side. The device begins to blink one it is installed correctly. But don’t lose the device, since there is a $50 replacement fee.

You Can Save Money!

There are specific insurers that simply offer great rates in Baltimore if you are under age 40. Others may include an extra discount when you reach age 50 that no other company offers. Or, it may be a situation where a combination of age and the car you drive happens to exactly fit a specific profile that a carrier is looking for. Thus, they charge 15% less than everyone else.

Shop Around

A key point to understand is that when we stress the importance of “shopping around,” it’s because it ultimately will save you money. If there was a simple and accurate way to identify the cheapest prices, other than requesting a quote from us, we would certainly let you know. Just about every day, either a premium, underwriting guideline, policy coverage or billing mode is changed. But when these changes occur, we are notified and immediately adjust our quote engine.

Although we review all available carriers, several of the insurers that have attractive rates include Geico, Progressive, AAA, Erie, Travelers, Safeco, MetLife, Liberty National, Allstate, AIG, Esurance, and USAA. Small and large businesses often utilize commercial carriers, and policies often provide up to $1 million in liability protection. Carriers that often have the highest rates in the area include Hallmark, Victoria, Donegal, Dairyland, Foremost, Harleysville, and Titan.

It’s much easier for us to keep track of all of the changes than the average consumer. Thus, when we “shop” for you, you’re easily saving hours of your important time by handling a task that you undoubtedly don’t enjoy. And we don’t just monitor and check for a few discounts. We review all changes and discuss which ones will specifically apply to you. We also monitor the MD Government website to keep abreast of any changes in legislation that will aid consumers. No major legislation was passed in 2022 that would impact vehicle rates.

The consensus seems to be that car insurance rates in Baltimore are attractive. While they may not be the cheapest price in the state, they are priced very competitively when you match them side by side with other large cities. It’s not unusual to find bigger metropolitan areas within 500 miles have significantly higher pricing and more aggressive surcharge and cancellation procedures. For example, Washington, D.C. and Richmond (Virginia) rates are much higher.

Pay Your Traffic Citations Early And Online

Nobody likes to get a moving violation. It can impact the cost you pay for your policy, and the resulting fine and possible court costs can exceed hundreds of dollars. But forgetting or neglecting to pay the ticket can result in many additional expenses. The District Court Of Maryland makes it easy to pay the ticket online. By pleading guilty (you may also plead innocent), the process can be completed in less than five minutes.

Complete Maryland traffic citation information is available, including topics about requesting a trial date, appeals, witnesses, expungement, requesting waiver hearing, lost citations, and address changes. Before applying for new coverage with a different carrier, a copy of your driving record should always be reviewed.

Zipcar

What is Zipcar? Available in Baltimore and many other major cities, it’s a service that allows you to rent vehicles by the hour, day, or longer. Typically, the price is cheap, and there are regulations and guidelines that protect consumers. Many City-owned garages house the vehicles, including minivans and transit cargo vans. Occasional driving requires no monthly commitment. For $7 per month, you can pay per hour or per day. For $50 per month, five hours of pre-paid driving is included. Each plan provides insurance coverage, gas, and 180 free miles each day. A $25 one-time application fee is required for all plans.

The Parking Authority reports that 85% of Zipcar drivers don’t own their own car or truck, and the vast majority of users can easily find a vehicle to use within walking distance of their home or work. More than 200 vehicles are available in areas such as Charles Village, Mt. Vernon, Station North, and the Central Business District. Residents of the area now have an affordable transportation option, and city workers receive a discount during the work week.

Maryland homeowner’s insurance rates are very competitive in Baltimore. When bundling policies with the same carrier that insures the vehicles, total discounts can exceed 15%, resulting in hundreds of dollars of savings. Companies with the most attractive rates include Travelers, Erie, USAA, Chubb, State Farm, Allstate, and Nationwide. Many Senior discounts are available. Bundling the policy with other property and casualty discounts may also lower the premium.

Impact Of Previous Riots

Although the riots six yeas ago caused a temporary spike in claims, and cost the city more than $20 million, there probably will be no long-term impact on auto insurance rates. However, if you park your vehicle on the street in the area where most of the riots took place, there may be a slight increase in thefts, vandalism, and glass-breakage. The comprehensive portion of the auto policy can be impacted by specific external conditions.

Any long-term impact on prices will be known within the next 36 months. Other surrounding counties that could be impacted, include Carroll, Harford, Howard, and Anne Arundel. The cities most likely to be affected include Essex, Towson, Parkville, Rosedale, Catonsville, and Lochearn.

Baltimore Homeowner’s Insurance Rates

Shown below are annual prices for zip code 21218. 15-year-old frame home insured for $153,000. $1,000 deductible with $300,000 liability, multi-policy discount, and $20,000 water/sewer backup coverage.

$574 – Esurance

$596 – NGM Insurance

$610 – Donegal Mutual

$621 – Teachers Insurance

$661 – Horace Mann

$664 – Pharmacists Mutual

$670 – Brethren Mutual

$679 – Cumberland Mutual

$722 – Erie

$723 – Everett Cash Mutual

$733 – Frederick Mutual

$783 – CSAA General

$786 – Allstate

$791 – Metropolitan Property And Casualty

$792 – AIG

$837 – Farmers

$949 – Safeco

$1,259 – Nationwide

$1,412 – USAA

Local Baltimore Car Insurance Agencies

M&T Agency – 25 S. Charles St. 21201

Kirby Agency – 14 W. Saratoga St. Suite 100 21201

Frederick Group – 326 St. Paul St. Suite 400a 21202

Ugele Agency – 408 E. 25th St. 21218

Welsch Group – 3044 Hudson St. 21224

Morgan Smith Agency – 847 W. 36th St. 21211

Pinning Agency – 3215 Erdman Ave. 21213

Goad Agency – 3229 Erdman Ave. 21213

Bedford Group – 1014 W. 36th St. 21211

Rodgers Agency 6800 Holabird Ave. Suite A 21222

Morris Services – 5010 Ritchie Highway 21225

Cramer And Schmidbauer Associates – 5200 Ritchie Highway 21225

Bayview Agency – 7508 Eastern Ave. 21224

L&K Agency – 5900 York Rd. Suite 200 21212

McJilton Agency – 9 N. Dundalk Ave. 21222

TM Williams Services – 5202 Baltimore National Pike Suite 106 21229

C&E Services – 7324 Holabird Ave. 21222

Bell Agency – 7900 Eastern Ave. 21224

Senate Agency – 5417 Reiterstown Rd. 21215

Leitner Group – 2100 Merritt Ave. 21222

Madison Financial – 5401 Belair Rd. 21206

Custom Agency – 4410 Alan Dr. Apt A. 21229

Hoffberger Agency – 5700 Smith Ave. 21209

Concrete Agency – 6405 Belair Ave. 21206

Platte Agency – 633r Frederick Rd. 21228

Great Oak Group – 1340 Smith Ave. Suite 200 21209

Frank Dippel Agency – 6600 York Rd. 21212

Schoenfeld Associates 6225 Smith Ave. Suite B150 21209

Farrell Sullivan Insurance – 6500 N. Charles St. 21212

Ritchey Associates – 6600 Belair Rd. Suite 2c 21206

Allied Agency – 7000 Security Blvd. Suite 111 21244

Rolling Services – 2324 N. Rolling Rd. Suite 100 21244

Additional Information:

The “Baltimore Sun” reported that local drivers are again ranked 193rd in the US when comparing large cities. But there is one little problem. 194 cities participated in the survey! The lone city with “worse” drivers is Washington D.C. The 21218 zip code appears to have been hit especially hard as we notice auto insurance prices in that area is the highest of any zip code in Maryland.

The elimination of PIP (Personal Injury Protection) would certainly reduce prices. Of course, medical bills and lost wages could not be claimed, which could potentially impact and harm many persons involved in future litigation. PIP currently covers many medical expenses, including surgery expenses, hospitalization expenses, and rehabilitation,therapy expenses. Some disability and death expenses may also be covered.

Maryland made the Top-10 list for “states with the most stolen vehicles.” In Baltimore, about 2,000 vehicles were stolen last year, with about 1/5th having keys left inside in plain view. Also, many cars were left outside with engines running, as owners assumed it was safe.

Highest number of vehicles stolen in Baltimore

Baltimore Neighborhoods With Most Stolen Cars

The summer months produce the highest incidence of thefts (especially July and August), while February and April are the months with the lowest number of reported thefts. Shown above, is a chart illustrating the areas of the city with the highest claims. Frankford is ranked first in the study completed by “the Baltimore Sun.”

Most of the damage from the Spring riots are covered by insurance. However, there may be exceptions, if your policy excludes damage from “rebellion or uprising.” This exclusion has a greater likelihood of being used on business liability policies, as opposed to personal property and casualty policies.

Maryland Insurance Safety Programs, Services And Driver Improvement

Keeping Maryland residents safe is the priority of the Motor Vehicle Administration, Highway Safety Office, and the State Government. Through many programs and specific legislation, Old Line State drivers and pedestrians are protected quite well. Discussed below are many of the most pertinent resources available to consumers. Safety programs and tools from the National Highway Traffic Safety Administration help protect consumers and reduce car insurance rates.

Driver Improvement Program (DIP)

DIP is an instructional and interactive program designed to improve and educate drivers. Typically, residents are assigned to the program (4-8 hours) for one of the following reasons: Total of 5-7 points on driving record, probation when charged with a moving violation and having provisional license, convicted or granted probation for a moving violation while holding a license (provisional), District Court Judge referral, or Administrative Law Judge referral. Correspondence via mail will be sent if a judge rules that completing the program is required. The letter is typically sent 4-6 weeks after the official hearing date.

The correspondence will provide details regarding the driver’s obligation and a list of nearby driving schools. Upon receipt, the class must be selected and completed by the due date. Approximately 4-8 hours should be allotted. A certificate of completion and compliance will be provided. If you miss a scheduled class, documentation for a valid reason will be accepted, and a new class will be scheduled. The MVA office is located on Ritchie Highway in Glen Burnie.

Missed classes without a valid exception can result in a suspension or revocation of a driver’s license. If you are located out-of-state (temporary or permanent), the National Safety Council must be notified to determine if a local program is offered. Verification of the out-of-state completion must be provided. A change of address may need to be processed if the MVA has not been notified. If a referral letter is lot, a duplicate can be ordered.

Following the assignment to the DIP Program, a provider should be contacted to discuss class times and availability, along with the costs of participation. Lost letters can be replaced although driving privileges can be terminated if class is missed. The National Safety Council should be contacted if you have moved to a different state.

DIP providers include Method Driving School, Introspect, ABC Linnel Driver Training Programs, Widmyer Driving School, AB Discount Driving School, Alpha One, Elite Driving School, Emerald Driving Academy. Greg’s Driving School, Integrity Driving School, Leap Driving Academy, Majestic Driving Academy, Mt. Washington Driving School, National Driving School, Premier Driving School, Quick Tag And Title, SAHR Driving School, Street Smarts Of MD, and Uncle Sam Driving School. Additional providers are available for Three Hour Alcohol And Drug, Driver Education, and Motorcycle Safety.

MVA fees may be imposed, depending upon the situation. Common fees include driver licensing, MVA records, medical advisory board, motorcycle safety program, dealer licensing and consumer service, driver education, driver improvement, insurance compliance, vehicle emissions, vehicle registration, and registration plates fee.

Vehicle Occupant Protection

For more than 20 years, Maryland law requires wearing a seat belt while driving. Utilization of seat belts and child restraint systems has saved thousands of lives, and drastically reduced the number of serious injuries. Collisions with motor vehicles are the leading cause of child deaths in the US, so “buckling up” is critical. Fortunately, the number of vehicle crashes and seriously-injured vehicle occupants not wearing seat belts, is declining. Areas with the highest percentage of incidences are the city of Baltimore, and the following counties: Anne, Arundel, Carroll, Harford, and Howard.

Statewide usage of seat belts is approximately 91%. The low was 89% in 2004, while the highest percentage was 94% in 2010 and 2011. The state law requires that all occupants in the front and back seats, must be buckled up. Drivers can not operate the vehicle until all passengers are fastened by a seat belt or children’s safety seat. Violators can be fined $50. If passengers not wearing a seat belt are over 16, the driver can be fined as much as $83. If a driver and child are both unbuckled, two tickets will be issued to the driver. There is no limit to the number of violations that can occur.

Hospitalization expenses are approximately 50% higher for drivers and passengers that are not wearing seat belts or restraints. Often, federal and state governments pay a large portion of these expenses. A frequent cause of vehicle injuries is the misuse of booster and car seats for children (see below). Unrestrained children can also cause harm to other occupants of the vehicle. The National Travel Safety Institute provides additional tips.

Note: If the driver is not buckled, there is a 70%-80% chance that any children in the vehicle also are unbuckled. Also, with the written permission of a licensed physician (for medical reasons), a driver does not have to fasten their seat belt. Children that are unrestrained, and involved in a 25 miles-per-hour collision, are likely to be seriously injured. Incorrect installation, using unapproved or expired seats, and using broken seats, are quite common.

Helpful Hints:

You are not safer in a pickup truck than a passenger car.

Lap belts should be fastened approximately 2-4 inches below the waist.

Using the lap or should belt the wrong way can result in serious injuries.

Placing the belt over the pelvis is recommended.

Once a child reaches the maximum rear-facing weight limit, the car seat must be turned around (facing front).

Although sometimes inconvenient, seat belts should be used in back seats also.

Aggressive Driving

Aggressive driving can occur in many situations. Common examples are speeding, improper passing, weaving in and out of lanes, abruptly slamming brakes, tailgating, improper passing, ignoring traffic lights and stop signs, and forcing a vehicle off the road. Crash reports involving this type of behavior typically include drivers that fail to yield the right of way, exceed the speed limit, disregard road signs or markings, drive the wrong way, consume alcohol in excess of legal limits, improper pass, or follow too closely.

Although highway and roadway fatalities continue to reduce, vehicle deaths continue to be the leading cause of deaths in the US. When aggressive driving is present in an accident, the chance of death increases. Locally, most of the fatalities occurred in the Washington and Baltimore areas. Baltimore and Prince George Counties have the highest incidences of death, accounting for more than 30% of all fatal crashes from aggressive operators. The months with the most fatalities are October, November, and December. Friday, Saturday, and Sunday are the most dangerous driving days.

Males are responsible for more than 60% of the crashes and suffer four times as many fatalities. Maryland has an aggressive driving law that charges $370 for each violation and adds five points to the license. To qualify, three violations from this list below must be present: failure to yield, passing on right, passing and overtaking, speeding, following too closely, operating on loaned roadway, and traffic lights.

To help reduce this type of behavior, the ADAPT (Aggressive Drivers Are Public Threats) program was developed four years ago. A combination of enforcement and media exposure helps drivers recognize potential issues, and eliminate them before a problem develops. An education program, aided by public service announcements, radio and TV advertising, social media, and online streaming, helps to increase consumer awareness. The ADAPT campaign resulted in 115,000 citations for aggressive behavior by drivers.

To help avoid aggressive drivers, avoid eye contact and remain relaxed, shift lanes if they are behind you, don’t escalate the encounter, don’t increase your speed when they are behind you, and avoid name-calling and obscene gestures. If you continued to be followed, if possible, drive to the closest police station. And of course, seat belts should always be utilized for the driver and all passengers.

Impaired Driving

Drugs, alcohol, and medications are the leading causes of impaired driving. The consequences can be fatal to the driver, passengers, and other vehicles on the road. Although ignition interlock systems and road checkpoints help, the number of impacted drivers, passengers, and pedestrians is still too high.

Noah’s Law (Drunk Driving Reduction Act of 2016) has helped keep drivers safer, by bolstering the Ignition Interlock Program. This legislation requires an interlock device for any person that has been convicted of a DUI, DWI (if transporting a passenger under age 16), or a death caused by a DWI or DUI. The device must remain attached to the vehicle for a minimum of 6 months and a maximum of 3 years, depending upon the number of incidents. If the vehicle does not have an installed ignition interlock device, it can not be driven.

Any person that declines to take a chemical test and receives a DWI, must use an interlocking device for 12 months. In some instances, an interlock ignition program may be used in lieu of a suspension. Also, if a blood alcohol concentration of 0.08 is found, participation in the program may be selected instead of disputing the findings. Additionally, high-risk car insurance rates in Maryland are substantially more expensive than preferred rates. Naturally, it’s a situation you always want to avoid.

Any person that is caught selling fake identification cards may be subject to two years incarceration and a $2,000 fine for each incident. Homeland and federal laws may also add additional fines and additional incarceration. Persons under age 21 that possess a fake ID can be fined $500 and face two months in prison. Twelve points will also be added to your driving record.

The highest number of driver-impaired crashes occur during the late-evening hours and on weekends. Most crashes happen on Fridays, Saturdays, and early Sunday. After 3 a.m., there is a significant reduction in incidents. Two programs designed to reduce the number of accidents are the Checkpoint Strikeforce, and the State Police Impaired Driving Reduction Effort. The 20th annual Checkpoint Strikeforce public education campaign occurred last year with sobriety checkpoints and additional patrolling by police officers. More than 100 law enforcement agencies participate in the program.

SPIDRE

The State Police Impaired Driving Reduction Effort (SPIDRE) was created in 2013, and targets specific areas with high incidences of alcohol-related crashes. The DOT Highway Safety Office funds the program. Five specialty-trained state troopers concentrate on these specific areas to reduce the number of injuries and death. The most recent annual statistics include more than 3,500 DUI arrests, 25 DUI drug arrests, 11,000 traffic stops,and 25,000 citations.

The program is responsible for an increase in the percentage of convictions in DUI cases. Bar patron surveys were effectively used to conduct research and evaluate data.

Distracted Driving

Phone use and texting cause drives to become distracted while driving, and not pay full attention to the road and surroundings. Pedestrians, other drivers, and passengers are at risk. The most common distractions include watching a video, eating, drinking, combing hair, looking in purse or wallet, talking to other occupants in the vehicle, and changing radio stations. The four types of distractions are cognitive, manual, visual, and auditory.

Cognitive – Taking your mind off the drive. Common examples are daydreaming, speaking to another passenger, and talking to someone on a hands-free device. When not concentrating on the road, there is a much greater chance of an accident occurring.

Manual – Taking your hands off the steering wheel. Drinking, eating, and smoking are common examples. Having only one hand on the wheel is also considered a manual distraction.

Visual – Taking your eyes off the road. A split second can easily result in substantial damage.

Auditory – Affects our ability to hear. Ring tones, loud conversations, screaming kids, and text notifications will impact our hearing.

Fortunately, the number of distracted driver incidents in the state has been declining. Deaths are also declining although almost have of all Maryland crashes were directly or indirectly caused by distracted drivers. Since 80% of these types of accidents result in an injury, it’s critical to continue to reduce the number of incidents. Most of the crashes occurred in the Washington/Baltimore areas.

Pedestrian Safety

Pedestrian-involved accidents and injuries have increased for pedestrians, since 2013. Typically, more than 2,000 pedestrian crashes occur each year, with more than 80% resulting in injuries or fatalities. 20% of persons that are killed in vehicle crashes, are pedestrians. Most of the crashes take place in the Washington and Baltimore metropolitan areas. Prince George County typically has very high fatality rates. Other counties with high rates include Anne Arundel, Carroll, Harford, and Howard.

Friday is the most dangerous day for pedestrians, especially between 3 p.m. and 10 p.m. Young drivers are responsible for the most number of pedestrian accidents, while older drivers are involved with a high number of fatalities. Males are typically the victims in most accidents. About 70% of pedestrian fatalities are male.

Maryland pedestrian safety laws and penalties include:

Passing a vehicle stopped for a pedestrian ($80-$500).

Not stopping for a pedestrian in crosswalk ($80-$500).

Failure to obey pedestrian control signal ($40-$500).

Pedestrian illegally on roadway ($40-$500).

Failure to yield right-of-way to vehicle ($40-$500).

Bicycle Safety

Current Traffic Laws for Bicyclists:

Persons riding bikes should stay as close as possible to the right side of the road. Some exceptions include avoiding a pedestrian, making a left turn, driving on a one-way street, and operating in a narrow lane.

A passenger can not ride on a bicycle, unless it is designed and properly equipped for an extra rider.

Bicycles are not permitted on roads or highways when the speed limit is 50 mph (or more).

You can not touch or hold onto another vehicle.

A rider can not operate a bicycle while wearing earplugs or a headset that covers both ears.

A bicycle can not be fastened to a fire hydrant, pole, or meter.

Cyclists must obey traffic laws and are highly-encouraged to wear a helmet. Drivers of vehicles must also be cautious and courteous. Typically, when a crash occurs between a vehicle and someone on a bike, the cyclist is injured. Bicycle crashes have been increasing for the last five years, and more than 80% of those crashes resulted in an injury or death. Most crashes occurred in the Washington DC and Baltimore areas. The months with the highest number of accidents were June, July, August, and September.

School Bus Zones

All sides of the bus are at risk when children are waiting to be picked up. Children should stand at least 10 feet away from the bus and never stand or walk behind it. Passing a bus or another vehicle is one of the leading causes of fatalities in a school zone. The most common reasons children are hit include not staying within the bus driver’s sight, dropping an item and picking it up, attempting to get off the bus too quick, and making the assumption that motorists will see them.

Tips for drivers:

Be alert for unexpected events.

Understand what flashing yellow lights and flashing red lights mean.

Watch for children playing in unexpected locations, including bus stops.

When leaving home, watch for children riding or walking to school.

Child Passenger Safety

Children under eight-years-old are required to be placed in a child-restraint. An exception is made if the child is at least 4’9″. Children 8-16 must be appropriately fastened in a seatbelt, if not placed in a child restraint. The driver must ensure that all passengers are buckled up before operating the vehicle. Note: Children are permitted to be placed in the front seat with the proper protection. Rules apply to all vehicles, regardless if they are in-state or otherwise.

Kids In Safety Seats (KISS) is funded by the Maryland Highway Safety Office. Several services offered by the program include reduced costs and special needs assistance for car seats, virtual and in-person car seat inspections, and email, phone, and website free safety information. Selection of the best car seat, and availability of training and presentations are available through their website.

Driver Wellness And Safety Programs

3-Hour Alcohol And Drug Education – The program is mandatory if you only have a military license or have a non-US license. A certificate is provided when the program is successfully completed. A list of companies offering the program is available along with their fee schedule.

Ignition Interlock – Persons that have been arrested for impaired driving are offered an option to avoid a suspended license. Driving is permitted, but only under careful supervision. Cameras are included on all new devices. If the alcohol concentration reading is .15 or higher, a one-year program enrollment is required. A reading between .08 and .15 requires a 180-day enrollment. Written proof of the installation is required, and the participant will be notified of the required length of time that must be completed.

Modified Vision Program – A restricted license is provided to drivers with correct vision less than 20/70, but not worse than 20/100. Continuous field vision is also required. A daylight restriction may possible be removed after 12 months. The Driver Wellness And Safety Division processes the paperwork. New and experienced drivers have different requirements. Applicants that have never had a valid driver’s license must complete clinical and active driving requirements along with 80 hours of supervised and customized driving.

Reinstatement Of A Revoked Driver’s License – After 12 accumulated points, it is possible to reinstate your license. One revocation results in only a 6-month waiting period. Two, three, and four or more revocations results in 12-month, 18-month, and 24-month waiting periods respectively. If a reinstatement request is denied, an appeal may be submitted.

Motorcycle Safety Program

Motorcycle rider training courses are offered to all operators by the MVA. Skills and strategies are taught and discussed, which leads to a decreased chance of injury or fatality. About 9 out of 10 accidents occur to riders with limited or no training. Although adult training is not required, persons under age 18 must complete a Basic Rider or Alternative Basic course. Many training facilities are available.

Although the number of crashes has decreased in the last five years, the number of fatalities has slightly increased. However most crashes result in an injury or death. And as expected, higher-populated areas have the most crashes and injuries. More than 50% of reported crashes were in the Baltimore area, with warmer months the most dangerous. Operators between the ages of 25-49 generally account for about half of all crashes, with male drivers accounting for about 90% of those crashes.

Helmets are required by the Department of Transportation, subject to specific standards. Helmet manufactures are required to certify compliance with acceptable standards. A windscreen or approved eye-protective device also must be worn. Nineteen training centers are located throughout the state including Cumberland (Willowbrook Road), Arnold (College Parkway), Westminster (Washington Road), Frederick (Opossumtown Pike), Hagerstown (Robinwood Drive), and Baltimore (Pulaski Highway).

A strategic highway safety program (SHSP) helps reduce the number of highway deaths, and serious injuries on all roads. The number of serious deaths and injuries has gradually reduced over the last 10 years, as implemented changes continue to be effective. The TZD (Towards Zero Deaths) campaign is supported by the MD Chiefs of Police Association, Association of County Health Officers, and several additional organizations. Reducing fatalities by up to 50% by 2030 is the ultimate goal.

Motor scooters and mopeds do not require a class M motorcycle license. However, operators must have a valid driver’s license. An identification decal must be visibly displayed, and approved eye protection and a compliant motorcycle helmet must be worn. The right side of the road must be use unless making a left turn, driving on a one-way street, avoiding road hazards or pedestrians, or passing a slow-moving vehicle. Headsets that cover both ears are typically not allowed. The maximum operating speed is 30 miles per hour.

Older Drivers

Advanced aging can impact your reaction, sight, and hearing, and subsequently your ability to safely operate an automobile. Several self-assessment guides are available, including “Am I A Safe Driver,” “Test Your Driving IQ,” “5-Question Test,” and “DriveSharp.” Medication assessments, professional evaluations, and MVA screenings are also provided. Driving Safety course offered include AAA Roadwise Driver For Seniors, AARP Driver Safety Program, and AARP Smart Driver TEK.

About 20% of Maryland’s population is over the age of 60. In 10 years, the percentage will increase to 25%. The most common crashes for older drivers are turning left at an intersection with a stop sign, merging onto a ramp with a yield sign, changing lanes on large highways, and turning left at an intersection with a green light and oncoming traffic. The number of crashes and fatalities caused by older drivers has steadily increased over the last 10 years.

The MHSO (Maryland Highway Safety Office) provides summary crash data to the public. An annual highway safety plan is also available for the review of projects.

Highway Safety Office Grants

Applications are granted by the Maryland Department Of Transportation Highway Safety Office. Local and state governments, non-profit organizations, and law-enforcement agencies are eligible for grants. Additional information is available online and through the mail.

Save Money On Your Homeowner’s Insurance

Get the best homeowner’s insurance rates in Maryland and pay less! Although prices seem to typically rise each year, there are several options that will help you lower premiums, and put more money in your pocket. As one of your most important assets, you need to protect the value, and make certain major repairs and damage are covered. Get instant pricing online for any properties you own by using our free calculator.

Prices have been increasing in recent years, and some of the rate hikes have been substantial. Although coverage on the dwelling and contents grow to keep pace with inflation, premiums typically should not go up this fast. A combination of weather-related claims and higher incidences of theft have been partially to blame. 2023 prices have remained fairly level, or slightly increased. Coverage amounts on dwelling and personal property have also slightly increased to keep pace with inflation and building costs.

Nationally, Maryland rates rank 10th (from lowest to highest). The states with lowest average prices are Kansas, Oklahoma, Colorado, Missouri, Florida, Minnesota, Kentucky, Kansas, South Dakota, and Tennessee. The states with the highest average prices are Maine, Pennsylvania, Hawaii, Delaware, West Virginia, Utah, Idaho, Vermont, Nevada, and New Jersey.

There are many ways to save money on your homeowner’s insurance rates in Maryland. And no, selling your house and moving to an apartment is not one of them! We help explain these rate reductions and show you how you can reduce your premium, and still retain and leave unchanged the core components of your policy. Although we are better recognized for writing about the best auto insurance companies in Maryland, we believe you’ll find our list of home discounts quite helpful.

Bundle Up!

The multi-policy discount will benefit you in two ways. Firstly, you will immediately see a 10%-25% reduction in your rates (the discount fluctuates between carriers) when you insure your vehicle and home with the same company. And of course, your auto insurance premium will also reduce, possibly as much as $100-$300 per year. Since vehicle insurance rates are generally higher than homeowner’s premiums, the discount is very helpful. And the reduction remains level each year.

Secondarily, having several lines of business with a company somewhat insulates you against cancellation or termination of policies. Of course it won’t prevent your policy to be canceled after three house fires! But it will provide additional leverage if the number of claims you submit places you in a high-risk category for cancellation. Typically, three submitted claims within a 5-7 year period can create an underwriting flag that may result in a cancellation.

But if you currently insure your automobiles and house with separate companies, combining them could make a tremendous difference in what you pay. In addition to the multi-policy discount, it’s very possible that by simply comparing car insurance rates with multiple insurers, the savings could be hundreds of dollars of savings every six months when you receive the renewal statement. Combining contracts is often a big money-saver, and provides limited insulation from an underwriting cancellation.

Retired Discount

Discounts For Your Maryland Home Insurance

Another big premium-saver occurs if all of the adults in the household are retired. Usually, at least one of the household members must also be 55 or older. If someone works part-time, that still may be acceptable. The rate reduction is typically in the 5%-15% range, but it is applied every year, so it’s easy money that gets put back in your pocket. Generally, retirements before age 55 do not generate a discount.

Sometimes, there will be higher reductions for persons 65 or older. The assumption is that you spend more time inside the home. At this time, there is not a major reduction given to applicants over the age of 75. However, positive claims results may sway insurers to offer a price reduction. Discounts for home monitoring may also be introduced within the next few years.

As actuarial data is studied, it’s possible a change could be made in the next five years. The biggest concern is potential health-related issues that could cause or contribute to an accident or extra liability exposure. Condo and renters policies will often offer these same Senior discounts, although the amounts may be slightly less. One of the largest factors in determining renters policy premiums is the incidence of theft in the surrounding area of the policyholder, and of course, claims history.

Alarm Systems

Of course, an obvious money-saver is owning an alarm system, especially a system that is professional-monitored. Every major Maryland homeowner’s insurance carrier offers this discount. The “central” system will save the most money. Typically, this type will notify a local police and/or fire department if there is an attempted break-in or the smoke detectors go off. Usually this will reduce your premium about 15%. Occasionally, the reduction may be as much as 25%, depending on the effectiveness of the system.

Many system upgrades are offered by manufacturers, which could result in additional savings. SimpliSafe offers many alarm system packages that are easy to install, and provide discounts on most home policies.

A “local” alarm system is still armed by the owners of the home from a keypad usually located near a major entrance. However, additional keypads can also be purchased. If the alarm is tripped, an incredibly loud buzzer will go off. I know it’s loud because each of our children (when they were younger) reminded us of that (by accident)! Since the police are not automatically contacted, the discount may only be 5%. These types of systems can be easily upgraded, and installation is very simple..

Many new and inexpensive alarm systems have become available within the last five years. Several popular options are Frontpoint, Vivint, ADT, SimpliSafe (see above), Protect America, Link Interactive, Scout, Nest Secure, LifeShield, and Brinks. Homes without alarm systems are three times more likely to be burglarized than homes with an alarm system. “Ring” doorbell/alarm systems are very inexpensive and can be quickly installed with easy exterior door and window coverage.

Central System Is Best

A “central” alarm may not cost anything to install, but there will be a monthly monitoring fee. This can range from as little as $25 to as much as $150. Usually, these fees are negotiable, so shop around if you are considering buying this type of system. A local experienced company will likely offer you the best service. Never purchase a system from any type of telemarketing call you receive. Their sole purpose for calling is to obtain your credit card information.

And what about the fake alarm stickers and cameras you can purchase to place around the perimeter of your home? I don’t know of any carriers that will consider them, but it may not be a bad idea if you can’t afford an alarm. You can probably order a set of four or eight stickers very inexpensively. And the fake alarm camera does look real and is typically high enough that nobody will want to touch it. However, after about three years of snow, rain, wind and hail, your fake “system” may need to be replaced.

Look Above Your Head

Discount Auto And Home Insurance Maryland

This Is A Very Expensive Roof!

Are you thinking of getting a new roof? If you need one, and actually replace your existing roof, many home and auto insurance companies in Maryland will cut your premium. The main reason is that the risk of damage to the roof will have reduced, and often there are warranties from the roofing companies that may pay some damages, if the shingles were faulty. Each roofer is different and, of course, don’t buy a new roof just for the discount!

A new home (as well as a new roof) generates a big discount, often as much as 25%. Newer houses typically translate into fewer claims and a smaller chance of problems. Therefore, your rate is substantially reduced. Also, newer, and more modern shingle designs provide more protection and last longer, which helps reduce your premium.

Impact-resistant roofing materials are also a great way to cut down on potential claims. Hail claims are greatly diminished since pellets typically bounce off the roof without causing damage. It’s also possible that fallen small and medium-sized branches will not cause harm either. Each carrier has their own set of underwriting criteria, so check with the carrier before making changes to the roof.

There are also multiple options regarding how comprehensive you want your roof coverage to be. By electing a separate deductible and/or higher out-of-pocket expenses (if you submit a roof claim), you’ll save money each year, since roof claims are among the most common. However, all carriers do not offer this benefit option and the amount of premium reduction varies.

Additional Unusual Discounts

Although not as common, several companies offer a credit if most (or all) of your wiring has been recently inspected and upgraded. Since the risk of fire reduces, everybody wins. Expect about a 2%-5% reduction every year. Proof of service and installation will probably be required. And of course, a professional electrician would have to handle the installation. Adding LED lighting will also save money, and provide more exterior light at no extra cost.

A “claim-free” reward is offered by almost every carrier, and it can easily save hundreds of dollars each year. Although larger claims must be filed, often it’s better to raise your deductible since it’s not advisable to constantly submit smaller claims. Multiple weather or natural disaster claims are treated more favorably by underwriters than fires, thefts, and vandalism.

Many years ago, a $100 or $250 deductible was common, and recommended by most companies and brokers. But now, a $500 or $1,000 deductible is much more cost-effective since it’s unlikely you will be submitting claims under the $250 threshold. As earlier mentioned, the quantity of submitted claims, as opposed to the amount of claim dollars spent, is often what underwriters take into consideration when determining to renew or cancel an in-force policy.

If you reside in a gated community (not a condominium community), because of the increased safety, a small discount may be applied to your policy. If your vehicle is parked under a roof or in a garage, the auto insurance policy may reduce. Home improvements occasionally will lower the premium if the structure becomes more safe.

And finally, scheduled jewelry riders are expensive. Depending on how many pieces you insure, and their combined value, you could easily add hundreds of dollars of extra premium to your policy every year. Check and verify that you still own all of the jewelry and want it scheduled. Also consider cheaper riders that provide extra coverage without all-risk coverage.

Although storing your jewelry in a safety deposit box isn’t fancy, and of course, not very accessible, the cost is fairly low (sometimes free, depending on how much business you have with the bank). Safety is not an issue and you don’t necessarily have to schedule the items on your policy since they are protected. The annual cost is approximately $50-$100. Certificate of Deposit holders may earn a waiver of the fee.

Sample Homeowner’s Insurance Rates In Maryland (Annual)

Washington County (Hagerstown) – Home insured for $198,900 with $1,000 deductible and $300,000 liability

$462 – Donegal Mutual

$494 – Cumberland Mutual

$497 – Farmers Insurance

$510 – Farmers Mutual

$512 – NGM Insurance

$569 – Unitrin

$570 – Cincinnati Casualty

$608 – Travelers

$629 – Teachers Insurance

$632 – Penn National

$655 – Allstate

$656 – CSAA

$774 – Erie

$782 – State Farm

$903 – Amica

Harford County (Bel Air) – Home insured for $278,100 with $1,000 deductible and $300,000 liability

$535 – Unitrin

$616 – NGM Insurance

$631 – Farmers

$651 – Donegal Mutual

$690 – Travelers

$714 – Cumberland Mutual

$732 – Cincinnati Casualty

$741 – Penn National

$799 – Frederick Mutual

$823 – Teachers Insurance

$826 – Hartford

$842 – Nationwide

$854 – Safeco

$880 – Mutual Benefit

$883 – CSAA General

Anne Arundel County – Home insured for $370,000 with $500 deductible and multi-policy discount

$464 – Safeco

$723 – Brethren Mutual

$780 – Farmers

$910 – Frederick Mutual

$971 – Peninsula

$1,002 – Teachers Insurance

$1,048 – AIG

$1,148 – Travelers

$1,174 – Esurance

$1,187 – Horace Mann

$1,213 – Erie

$1,296 – State Farm

$1,394 – Allstate

$1,457 – Nationwide

$1,491 – Amica

Carroll County – Home insured for $350,000 with $500 deductible and multi-policy discount

$464 – Safeco

$583 – Brethren Mutual

$762 – Farmers

$793 – Frederick Mutual

$898 – Erie

$846 – Travelers

$847 – Pharmacists Mutual

$915 – Penn National

$960 – Liberty Insurance

$987 – AIG

$1,071 – Unitrin

$1,123 – Esurance

$1,212 – State Farm

$1,237 – Cincinnati

$1,627 – USAA

Baltimore County – Home insured for $247,000 with $1,000 deductible

$701 – Pharmacists Mutual

$721 – NGM Insurance

$725 – Erie

$728 – Donegal Mutual

$763 – Farmers

$799 – Cumberland Mutual

$800 – Penn National

$831 – Esurance

$843 – Travelers

$852 – Teachers Insurance

$863 – Liberty Insurance

$895 – Unitrin

$910 – Horace Mann

$955 – Encompass

$1,008 – State Farm

Sample Condominium Insurance Rates In Maryland (Annual)

Queen Anne’s County (Stevensville) Contents covered for $50,000 with $500 deductible and $100,000 liability

$185 – Selective Insurance

$207 – Teachers Insurance

$219 – Horace Mann

$230 – State Farm

$233 – Penn National

$248 – NGM Insurance

$251 – Allstate

$251 – Cincinnati

$279 – Mutual Benefit

$284 – American Property And Casualty

$291 – Encompass

$308 – Chubb National

$313 – Hartford Fire

$358 – USAA Casualty

$389 – Nationwide

Talbot County (Easton) Contents covered for $50,000 with $500 deductible and $100,000 liability

$176 – Cincinnati

$207 – Teachers Insurance

$219 – Horace Mann

$230 – State Farm

$233 – Penn National

$237 – NGM Insurance

$257 – Allstate

$257 – Meridian Security

$279 – Mutual Benefit

$285 – AIG

$296 – Donegal Mutual

$313 – Hartford Fire

$321 – Encompass

$326 – Travelers

$338 – Lititz Mutual

Cheap homeowner’s insurance rates in Maryland are available and we’re committed to helping you find the lowest prices. Through a combination of smart shopping and utilization of available discounts, we are confident you’ll save money. Of course, when you bundle your home and auto policies with the same company, expect a generous discount.

The MD Homeowner’s Insurance Administration Guide released current annual rates which we have listed above. Prices are updated each year. Topics of the guide include tips for buying a policy, obligations after a loss, types of policies, coverage included in policies, factors in the cost of coverage, force-place coverage by lenders, why coverage is needed, and assistance for persons that can not secure coverage.

Maryland Auto Insurance Laws And Regulations – Requirements And Rate

Maryland mandatory car insurance laws, rules, and regulations are set by the Motor Vehicle Administration (MVA). Auto insurance is required in Maryland. The state legislation stipulates that registered vehicles must carry the required published liability limits from an insurer licensed to do business in the state. Each mandatory state has minimum requirements and Maryland’s is $30,000 bodily injury per person, $60,000 for more than one person, and an additional $15,000 for property damage (30/60/15).

Higher limits are offered by all companies, although rates will vary. These limits extend to family members and persons given permission to operate your vehicle. Changes can typically be made on the anniversary date, or during the policy period if a claim is not pending. Maryland is considered an “at-fault” state for vehicle accidents, and is also a mandatory vehicle insurance state.

Transportation network companies that have between 26 and 300 operators have higher limits. These requirements are $50,000 bodily injury per person, $100,000 for more than one person, and an additional $25,000 for property damage. Commercial coverage is available from many carriers with much higher available limits. New residents must notify their current carrier to convert to a state-approved policy. Vehicle insurance is validated when you renew the registration. Coverage must be in effect before a vehicle is registered and insurance plates must be returned before a policy is canceled.

PIP Is Required

Uninsured motorists coverage and personal injury protection (known as PIP) are also required. PIP provides up to $2,500 of medical and disability costs arising from an accident. Both family and non-family occupants of the vehicle are covered (Full PIP). The $2,500 may be utilized for reasonable and necessary medical expenses that occur within 36 months of the accident and up to 85% of incurred and provable lost wages. Compensation is also available if the injured party was not employed.

Persons that do not sign the PIP waiver and also are not eligible to reject coverage, receive the benefits described in the previous paragraph. Rejection of PIP is also an option. Coverage can only be waived for yourself, listed drivers on the auto policy, and family household members that are 16 years of age (or older).

There is also a “limited” alternative that excludes benefits to your family if they have reached age 16. However, the cost-savings is not significant. It should only be considered if you have private or group comprehensive healthcare benefits. Sustained injuries are covered regardless who was at fault. PIP payments are often paid quicker than reimbursements from a private or group health insurance plan. When the limited option is selected, PIP benefits may not be able to be collected under any motor vehicle liability policy.

PIP Rejection

Rejection of PIP is permitted if coverage does not exceed a specific limit, the carrier terminated the policy before the policy end date, and you were covered by a carrier other than the Maryland Automobile Insurance Fund (prior to applying).

We help you understand different regulations in the state, and the impact any changes may have on your driving or the cost of your auto insurance. It’s important to “stay legal,” and take advantage of any new laws or legislation that could help you save money. If you finance or lease a vehicle, requirements are often different. For example, leased vehicles typically require higher liability limits and more restrictive collision and comprehensive deductible options than a financed vehicle.

We also help you provide an FR-19 (Insurance Certification) which is required when you register or renew a vehicle. It’s important not to lose your certificate because only the original is considered valid. A copy will not be accepted if you are required to show proof. The FR-19 is valid for 30 days and must be provided by a licensed carrier and/or an authorized agent. The form is only used in several states (also Delaware), and serves a different purpose than an SR-22 Bond form. The MVA is located at 6601 Ritchie Highway Glen Burnie, MD. 21062.

Insurance Requirements

Your insurance must be certified and a written statement is required to verify that you will not drive without the proper coverage. This certification is the FR-19 and can be obtained directly by your insurer or a qualified broker. The form does not cost the driver any money and the original should be faxed or filed electronically with the MVA. A copy of the form is not accepted. It’s always a good idea to keep a copy at home or at your office. Also, updating the form every few years should be considered. A USAA FR-19 is very popular.

Driving without the required insurance is not only illegal but it could be very time-consuming and expensive. About 12% of all Maryland drivers do not have coverage on their vehicle. For example, if your insurance lapses for three months, your fine will be $570. Even a one-month lapse will cost $150, with an additional $7 charge for each additional day. The maximum per vehicle is capped at $2,500. There will be an additional cost for reinstating your car registration and to obtain new license plates. Although we can assist, it may be very time-consuming for you.

If you drive while the registration is suspended, the car may be impounded, and additional fines and penalties can be imposed. The Central Collections Unit will respond if prior notification requests are ignored. A 17% collection fee can be added to the outstanding fines. If a vehicle has been sold, your auto carrier can provide a letter that gives the date of loss and the date the vehicle was returned to the owner. Note: Geico, Allstate, USAA, and State Farm insure the most vehicles in the state.

If you received a fine for a driving violation, and you can not immediately pay the entire amount, a suitable payment plan can be arranged. The CCU (Central Collection Unit) has many office locations that can begin the payoff process with a small initial payment. A credit card or cash can be used, but not a personal check. However, if you neglect to make the required payments, the vehicle will not be able to be driven, and no other vehicles will be allowed to be registered.

Penalties

Additional penalties can include paying a $25 restoration fee, not being able to renew a suspended registration, having your license plates confiscated, and paying a $1,000 penalty and risking jail time if false proof of coverage is provided. If insurance lapse notifications are ignored, the Central Collections Unit (CCU) can collect an additional 17% of all outstanding fines. If your license plate or vehicle is stolen, a copy of the police report should be submitted so verification of the plates and date stolen can be verified. Once the plates have been found or recovered, MDOT should be contacted.

Vehicles that are repossessed, impounded, sold, totaled, junked, or sent out of the US, may require a letter from the insurance company, letter from the lien holder, bill of sale, or from the facility involved in the transaction. Information can be emailed, faxed, or sent via regular US mail.

Hopefully, you won’t have any outstanding unpaid tickets, because they will also have to be paid in full. The three convenient payment options are: 1. Mail your payment (money order or check) to MVA (Insurance Compliance), PO Box 2278, Glen Burnie, MD. 21060. 2. Pay in person with money order, cash, check, or credit card. 3. Pay by phone through an interactive system that is available 24/7. Uninsured motorists fees can be paid with a credit card.

The moral of the story? Don’t go anywhere in your vehicle unless it is insured. Once you are on the road again, you can compare auto insurance rates in Maryland on our website. Checking prices every few years ensures you are not overpaying for your coverage. Bundling auto and home policies provides a discount and possible substantial savings.

New Drivers

If you’re a potential new driver…Congratulations! Your first step is to obtain a Maryland learner’s permit. You must be at least 15 3/4 and pass a vision exam and a written test by correctly answering at least 17 of the 20 questions. There are also several forms of identification required. Proof of both residency and identity are required. You should also take the driving test before your learner’s permit ends. If you wait too long, you’ll have to start the process over again which will be costly and time-consuming.

Maryland Car Insurance Rates Are Affordable

Once you are licensed, of course, you must purchase your auto insurance with at least the minimum liability limits earlier discussed. You can also be added to an existing policy if the car you will be driving is owned by someone else (assuming a parent). Insurance ID cards should always be kept with you while you are driving. Keeping copies in your wallet/purse and glove compartment will satisfy just about all situations. NOTE: The National Driver Registry will be contacted, to ensure a current license is not suspended or revoked.

If you lose your ID card or your driver’s license, they should be promptly replaced. You can go to a local license and title bureau to have a duplicate made. You also can request a copy from the BMV although the process may take longer than visiting the local bureau. Temporary ID cards may be available in specific situations.

If you are a new resident of the state, you have up to 60 days to obtain a valid license (30 days for a commercial license). When you apply for a new license at a BMV location, there are a number of items you will need including identification and proof of residency. It’s possible that a vision exam may be required. Older seniors may have additional criteria to meet although a routine physical is not required.

You should also review your entire auto insurance policy with a local broker. Rates will be different in Maryland and you may want to adjust some of your coverage, including deductibles. Available discounts will differ from your old policy, so you may qualify for some new reductions. Your driving distance to your employer my also have changed, resulting in a different premium.

Rookie Driver Program

“Graduated Licensing” is used to give young persons more experience at early ages. A driver education course and on-road experience helps develop confidence and experience. There are now three levels of training. They are “Learners Permit,” “Provisional License” and “Full License.”

Learners Permit

You can obtain a permit at 15 years and 9 months. You must verify your identity and show proof of school attendance. For applicants under age 18, a guardian or parent must cosign the application. Minor applicants may be required to submit multiple documents, including a tax return or health insurance ID card. Two tests are required (vision and general knowledge) before the permit is approved.

There is an available manual with sample tests and training that can help you prepare. Driver safety facts, highway signs, and traffic laws are three of the most important topics discussed in the manual. A basic understanding of these topics is required to pass the exam. A vision screening and knowledge exam must be passed before a license is issued.

Provisional License

The provisional license requires an age of at least 16 years and 6 months. An approved driver’s education and training course must be taken and completed and 60 hours of supervised hours on the road must be documented. Driving between midnight and 5 am is prohibited, unless accompanied by someone who is at least 21 years-old. Maryland auto insurance license changes can be made at any time upon your request.

There are also restrictions that require all passengers be at least 18 or over. And as expected, any moving violation will result in additional training, suspension of license, or both. This will likely cause a large increase in your auto insurance premium. You must be 18 to get your full license and if you have not reached age 21, there can be no violations on your record.If you meet all of the necessary requirements, your provisional classification will be upgraded to the full classification.

New Driver Guide

A “Rookie Driver” guide is also furnished to help prepare both parent and child. Lessons (with checklists) are provided to help cover all situations. Guides are available free and should always be utilized. Several covered topics include:

Vehicle Entry Check – Before getting into the vehicle, check for broken glass, physical body damage, fluid leaks, and conditions and air pressure of tires. Also inspect the inside of the vehicle for unseen damage.

Dashboard controls – Understand where and what controls are, including headlights, turn signals, all brakes, steering wheel, door locks, mirror adjustments, heating/AC, hazard light, windshield wipers, horn, and seat adjustments.

Additional Topics – Entering traffic from different directions, turning at intersections, understanding lane positioning, backing up, parallel parking, entering traffic or merge lanes from shared left lanes, driving through a roundabout, driving when bicycles are in the same lane, passing vehicles, operating your vehicle in wet, icy, or snowy conditions, and passing other vehicles.

License Plate Options

Get A Standard Or Personalized Maryland License Plate

If you wish to add a little scenery to your license plate, you have two options. An Agricultural Plate or a view of the Chesapeake Bay will convert your drab plate to a more appealing option. These plates have an initial $20 fee plus an annual $5 fee. The Chesapeake Bay plate has a yellowish-orange background while the Treasure plate features a blue background. If you lose existing plates, you can order a replacement for a $20 fee.

So far, no options are available for residents that are wishing for a Baltimore Ravens or Orioles plate. Although they would undoubtedly be very popular, most states do not have plates featuring local professional sports teams. The same applies to all of the colleges and universities in the state. We anticipate that these may become options within the next 10 years so stay patient!

Combinations of letters, numbers, and spaces are permitted, although the letter “O” will change to the number “0.” Depending on the type of plate, the number of available characters can change. Since personalized plates have become so popular, it’s possible your first choice may already be taken. Delivery of new plates typically takes about three weeks, and once received, the prior plates should be returned to an MVA office.

The following license options are available:

Agricultural or Chesapeake Bay – An initial fee is charged along with an annual fee. Proceeds from the annual fee benefit the Chesapeake Bay Trust and/or the Maryland Agricultural Education Foundation. The following vehicle Classes are eligible: A, M, EFT, EPO, and G.

Amateur Radio Operator – A copy of your FCC Amateur Radio Operator’s License is required. Passenger cars, trucks weighing 10,000 pounds or less, and multi-purpose vehicles are eligible.

Combat-Related – Only available to veterans or active members of the military that have won awards or honors. Documents needed may include military discharge papers, Purple Heart certificate, or written documentation from the National Personal Records Center. Vehicle Classes eligible are A, M, and EPO.

Disabled – Passenger and motorcycle plates may be ordered. Placards, which are easily movable, are available for vehicles. If you have a temporary disability that will last for three weeks (or more), an application may be submitted with requested documentation. A “disability certification of information” section of the application will have to be completed by your physician. The universal wheelchair symbol is used to identify disabled persons.

Gold Star – Surviving spouses, siblings, parents, or children of fallen members of the Armed Services may apply for this plate. Passenger cars, multi-purpose vehicles, motorcycles, and trucks weighing less than 10,000 pounds are eligible.

Military – Dozens of versions are available, including Afghanistan Campaign, Air Force, Airman’s Medal, Asiatic Pacific, Coast Guard, Combat Action, Congressional Medal Of Honor, Gold Lifesaving, Honorably Discharged Veteran, Iraq Campaign, Korean Service, Kosovo Campaign, Navy Cross, Purple Heart, Silver Star, United States Army, United States Air Force, United States Navy, United States Coast Guard, and World War II Veteran.

Organizations – More than 500 organizations offer personalized license options. Logo and non-logo are available. Several available options are ABATE, Allegheny Community College, Baltimore City Fire Department, Chesapeake Bay Power Boat Association, Friends Of The Salisbury Zoo, Johns Hopkins University Alumni Association, Mount St. Mary’s University, Old Line Garrison, Rocky Mountain Elk Foundation, Seneca Valley High School, Sheet Metal Workers, Sons Of Norway, Steamfitters Local, Temple University Alumni, UMBC Alumni Association, and Washington Nationals.

Personalized – Let your imagination take over! Vanity plates are very popular, with up to seven characters available. Offensive or duplicate requests will be declined. Typically, the process of approval takes about 4-7 weeks.

Driving Record Abstract

Do you need a copy of your driving record? You can order your official records for $12, as long as you pay online or by electronic check. Of course, identification will be needed. If you prefer to order a copy via US mail, you can pay by personal check, as long as your driver’s license number and phone number is on the check. Your three-year driving record can be requested, or a complete record of all information in the MVA data base.

The original issue date of the license, registration record, and certified copy of title can also be ordered. You may also use your phone to show your car insurance ID card. Mobile apps are also provided by many carriers. Maryland auto insurance laws do not place a limit on how many times you can request a copy.

An “MVA Request For Record” form can be downloaded, printed, and mailed for quick service. If a business needs multiple records, a different form is needed (DL-015). If you move to another state, you can still order your abstract. Also available, is an expungement request form (AJ-058), which will remove a conviction from your driving record after three years. However, certain conditions must be met, including no other moving violations during the last three years, no license suspensions, and no prior convictions of major violations, such as DUI or hit and run.

Schedule Your Emissions Test

Vehicle Emissions

Vehicle emissions testing in Maryland is mandatory and helps clean the state’s air and water. An OBD (On-Board Diagnostics) test is required for vehicles that were manufactured in 1996 or any later year. This applies to standard cars and light trucks. The actual procedure to verify emissions is very quick and quite accurate. Pollutants can be easily detected with on-board diagnostic testing. The tool connects to the on-board diagnostic computer to check for potential emission issues. If you have a heavier vehicle manufactured after 2007, the same test would apply.

The procedure creates a direct connection with the vehicle on-board computer which is usually located underneath the dashboard. Failing components and dashboard warning lights are obvious signs of problems. NOTE: If your car or truck had a new battery installed within the last week, wait about a week so that a false emissions reading is not given. Also. Hybrid vehicles must be scheduled for testing within 36 months of the model year.

A gas cap and tailpipe examination are also required for vehicle model years 1977 and newer. This includes cars, light-duty trucks and heavy-duty trucks. Any holes in the exhaust system (or leaks) will cause a failure in the test. It’s also important to have the proper gas cap, and to ensure the seal is snug. Otherwise, it will not pass. And of course, the catalytic converter must be working properly. A missing or loose gas cap will also result in a failed test.

The MVA sends written notification about two months before the scheduled test date. You can schedule the test at any time, once the notice is received. Testing facilities are conveniently located throughout the state. After paying the $14 fee, once a successful test is completed, a certificate will be issued indicating the results of the test. Following a failed test, the cost of a second test is free.

Distracted Driving

Don’t text while you drive! But you know that already. There are many other tasks you should also avoid, such as eating or drinking, taking on your cellphone or Smartphone, reading a map, looking at passengers, or adjusting your radio settings. When your eyes are off the road, often you are endangering yourself, your passengers, other drivers, and innocent pedestrians. And of course, it is illegal to use a hand-held phone or electronic device while operating a vehicle in Maryland.

A first-time conviction can result in a maximum fine of $83. However, the second conviction can increase the fine to $140, and the third conviction can increase the amount to $160. If an accident occurs, points can be added to your driver’s license. Simply writing or reading a text message while driving is also illegal, and the resulting fine is $70. If death or serious injury occurs, up to a $5,000 fine can be imposed and a three-year prison sentence.

The four most common types of distractions are visual, cognitive, manual, and auditory. Although not all distractions are illegal, they can cause an increased chance of having an at-fault accident. Most major Metropolitan areas (Baltimore and Washington D.C.) have the highest concentration of distracted driver crashes. The times of the day with the most reported crashes are early evening and late afternoon. Fridays have the highest frequency of incidents while Sundays have the lowest. Males typically text more than females and account for 80% of the fatalities.

Jakes Law mandates that a driver that caused serious death or injury while texting or speaking on a handheld cell phone can be convicted with a resulting prison sentence of 36 months and a fine of $5,000. The legislation became effective four years ago, and was named after five year-old Jake Owen, who was killed in a car accident in Baltimore in 2011. The driver was talking on the phone at the time of the accident, and was previously texting. The driver served no jail time and only received a $1,000 fine.

Senate Bill 743

This legislation is the first state law that requires peer-to-peer car rental companies to adhere to state insurance, tax, and safety regulations and laws. Although not endorsed by all interested parties, the law offers the needed regulation that benefits consumers. An 8% sales tax applies to p2p carsharing companies, although it increased to 11.5% in 2020. When conducting business at an airport, the usual airport fees will also be imposed, and required insurance licenses must be maintained. Also, the national safety recall law must apply to any vehicles operating in Maryland.

Parity among peer-to-peer carsharing companies is the ultimate goal, so that all parties comply with the same regulations, tax laws, and guidelines. Companies that operate at airports are subject to separate contracts and any applicable airport fees. National safety recall laws must also be followed, including the grounding of vehicles.

Review

Auto insurance laws in Maryland are designed to keep drivers and passengers safe and protect victims in accidents. Minimum liability limits are established for all registered vehicles. By knowing the regulations, you’ll save money on your insurance. This website regularly updates any changes regarding legislation or carrier underwriting. If your policy is non-renewed, we also review your best options.

PAST UPDATES:

Undocumented immigrants can now register vehicles, purchase auto insurance coverage and drive on state highways. Of course, the required written and driving tests must be taken and passed. Thus, immigration status will no longer be a reason to deny driving privileges and minimum safety standards for all persons will have to be met.

In a recent comprehensive study of Maryland car insurance rates (research provided by NWallet), the cities with the lowest prices include: Fairplay, Williamsport, Hagerstown, Smithburg, Rocky Ridge, Hancock, Maugansville and Cascade. Prices, however, will vary, depending on age of persons that are listed on policy, the number of reported violations and accidents, and type of vehicles that are covered.

After facing mounting criticism and concern from policyholders and the Insurance Administration, State farm will no longer raise premiums for non at-fault accidents and utilizing the emergency road and hazard service on most policies. Also, many previous rate increases will either be rescinded, or a refund will be sent to effected policyholders.

An unusually-high number of consumer complaints related to rate increases led to the investigation. While it is legal to increase premiums for these types of situations, most other carriers refrain from increasing prices. Also, the correspondence sent by State Farm to customers was determined to be confusing, with some details missing.

Full Coverage Or Just Liability On Your Vehicles? Compare Options

Full coverage or just liability insurance on your vehicles? This is a common dilemma that many car-owners face when one or more cars (or trucks) are no longer financed. It’s great to save hundreds of dollars per year (or thousands) on your car insurance rates. But is the risk worth it? Can you afford to replace a vehicle and start making monthly payments? Is state-minimum coverage enough? In most states, liability coverage or a financial responsibility bond is required. Do you have an emergency cash fund that can pay the deductible and other related expenses?

And when is the best time to remove your comprehensive and collision coverage? Which deductibles are the most cost-effective? Although full coverage protects against a wide variety of risks, your total out-of-pocket costs may be higher, depending upon the drivers and vehicles in your household. Liability is legally required in all states. Collision and comprehensive benefits are not. In most states, the minimum required bodily injury liability limits are at least $25,000 per person and $50,000 per accident, although higher coverage is recommended.

If you remove full coverage from your vehicle, collision and comprehensive benefits may be returned, assuming there has been no damage to the car or truck. Selecting “comprehensive only” is also an option, especially for older vehicles that are regularly driven. The most common comprehensive deductibles are $0, $50, and $100. The most popular collision deductibles are $250, $500, and $1,000. Luxury and commercial vehicles often have a $2,500 collision deductible. Commercial fleet or self-insured policies often include higher deductibles to reduce costs.

Important Facts To Consider

Your financial situation may be the most important variable. If you’re in a position which you can neither afford to make an additional car payment, or are not able or willing to pay thousands of dollars for repairs, then removing collision coverage would not be a good idea. You will be faced with either paying to repair a vehicle with money you don’t have, or spending $200-$600 per month that was not in your budget. The number of available vehicles in the household also must be considered, since an alternative mode of transportation may not be available.

Utilizing ride-share companies can reduce the number of miles driven on your vehicles. Although the cost of gasoline is still higher than it was several years ago, and electric vehicles are very expensive, paying for your transportation may still be very cost-effective.

The availability of Uber, Lyft, and other ride-sharing companies help, but does not completely solve the problem. Although occasional driving issues are solved, these types of companies can not offer distance-driving needs. Hiring a driver or a limousine service also will not likely eliminate your concerns. However, if driving privileges are temporarily or permanently revoked, these options will need to be considered. Note: Uber also is heavily involved in food and meal delivery, and has recently increased their share in the prescription delivery market. $0 delivery fees are available in many areas.

Leasing A New Vehicle

Leasing a new vehicle will cost less, and low and no down-payments are always available. Of course, maintenance and repair costs for the term of your lease (assuming between 24 and 42 months) should be very low. Many new lease agreements now offer 100% maintenance coverage for either 24 or 36 months, resulting in a low lease payment as your only out-of-pocket expense. Routine maintenance (oil changes and tire rotation) are often provided at no charge. Most major repairs are covered under the standard 36-month warranty, and extensions are offered on most leases.

Consider The Age Of Your Vehicle

Naturally, the age of the vehicle is perhaps the biggest factor. Typically, when the age is between 8 and 10 years old, it’s the right time to look into removing collision and/or comprehensive benefits. At 12-years-old and higher, it generally is cost-effective to remove some of the coverage. At the 14-year mark, the value has depreciated to a point that it no longer makes good economic sense to have any physical benefit other than liability coverage (and perhaps fire and theft).

Low-mileage vehicles should be considered on an individual basis. Despite the age of the vehicle, much of the resale value may have been retained because of the lack of driving and demand for this type of car or truck. Also, especially with older vehicles, the collision and comprehensive deductibles do no have to be identical. Often, the collision deductible is much higher than the comprehensive deductible. $500/$0, $500/$100, and $250/$0 combinations are common.

Antique and custom vehicles may be able to be insured for their market value. An appraisal will be needed, but the cost of coverage is typically less than a car or truck. The wear and tear will impact your choices. Vehicles in poor condition only need liability protection. However, if the car or truck can not pass a required inspection, that vehicle will not be allowed to be driven, and liability coverage can be removed (assuming the vehicle never becomes drivable again). Note: Flood vehicles are often sold and should be avoided, if possible.

Each Company Offers Different Savings

The amount of savings will vary from one carrier to another. For example, if you own a pair of vehicles that are seven years old, you would be at the point where altering your coverage should be examined. Company A may charge you $1,500 per year for your premium while Company B only charges $1,300. Having additional lines of business with the same carrier may help to reduce the premium. Several customer-loyalty discounts are offered by most carriers that can reduce the premium up to 20%. Group payroll-deduction (if available) may provide additional savings. MetLife previously offered low-cost group rates until Farmers purchased their book of business.

If you place “liability only” on both vehicles, Company A’s rate may change to $900 while Company B’s rate may only reduce to $1,100. We wrote an article about the best car insurance companies in Maryland that may help. All of the companies we listed are very highly-rated. Additional carriers are available for small and large group payroll-deduction. Underwriting guidelines are often more relaxed with employer-provided policies. Seniors with more than one at-fault accident in the last three years may be more susceptible to cancellations.

Thus, in this example, keeping full coverage is beneficial when you are insured with Company A. Yet, when a different set of deductibles is used (on the same vehicles), another carrier now charges a lower premium. And although we didn’t consider any additional companies, there may be up to 10 more carriers that now have better rates. A helpful factor is that insurers are required to post rate-increase request publicly. And although the entire amount may not be approved by the DOI, you will have as much as six months advanced notice. It’s also possible that a carrier will not change pricing for more than 12 months.

Carriers that often offer low premiums for vehicles with full coverage (collision and comprehensive coverage) include Progressive, Nationwide, Geico, Allstate, Penn National, Donegal, and Esurance. Carriers with low rates for vehicles with only basic liability coverage include Allstate, Erie, Progressive, Nationwide, and Farmers. Specialty and commercial coverage is offered through selected carriers.

Do You Have Alternate Transportation?

An important consideration is to create a scenario where you remove collision coverage from your car or truck and you’re involved in an accident that is your fault. Your vehicle is totaled. Of course, the damages to the other party are paid by your insurer and you have no out-of-pocket cost (assuming you have sufficient bodily injury and property damage limits).

However, you are now without transportation on one vehicle. How much of a change in lifestyle will that cause? If you don’t think your household can afford an additional $250-$750 per month for replacement transportation, then you better leave your collision and comprehensive coverage in tact. Otherwise, consider removing them. And revisit this option each year as your financial situation changes. Leasing a vehicle is often less expensive than purchasing an older financed vehicle, that also requires full coverage.

For a temporary fix to a situation where you need a quick replacement, leasing a vehicle will allow you to avoid a large down-payment and keep your monthly premium in the $200-$350 per month for very reliable options. Maintenance expenses will be nominal and you can walk away from the lease without any obligation (or elect to purchase at the end of the lease). However, you build no equity and are starting from scratch when the least period ends. NOTE: If your residual value is lower than the market value of the vehicle, you may be able to sell the vehicle for a small profit.

Condition And Mileage

A 12-year old vehicle purchased new for $35,000 may still be worth $10,000. It also may be worth less than $5,000. Some of the major determinants of the value are mileage, condition (including exterior body damage and interior), reliability, and demand for that specific make and model. If the vehicle has held its value, it’s worth keeping collision coverage in place. But your own perception of the current market value may differ greatly with the actual Blue or Grey Book value. Accurate estimates are provided free online.

For example, a 2015 Toyota Camry (very popular older car) in excellent condition with about 100,000 miles could be worth as much as $6,000-$7,000. But the same vehicle in rough condition with $175,000 miles may only be worth about $1,000. That’s a big difference. We use Edmunds to help determine the market value of any vehicle referenced in our website, although there are several other reputable resources. Prices generally reduce each year, so it’s important to constantly update values.

NOTE: Since the value of your car or truck reduces every year, your premiums may also slightly reduce. But once a vehicle is about 10-15 years old, the reductions in your rate may stop, or perhaps start increasing. Typically, that’s a good time to consider stripping the “full coverage” and calculating the savings with “liability only” coverage. You can also keep fire, theft, and vandalism benefits (only) and delete the collision coverage. Towing and substitute transportation benefits are often packed with the collision coverage.

Who Is Driving The Vehicle?

Is A Teenager Driving Your Car?

A major determinant in the decision is simply who the principal driver is of the car in question. If it is a teenager or someone with very little practical driving experience, you may wish to hesitate or postpone taking collision coverage off. After all, the risk of an at-fault accident is high. If there are multiple inexperienced drivers in the household, more than one vehicle will be impacted.

Conversely, if the vehicle is rarely driven, and the risk of an incident is fairly low, having just liability, medical payments and uninsured motorists protection (only) may result in substantial savings. There is always the risk that as soon as you delete the collision coverage, you’ll have an accident. However, if the other driver is at fault, their coverage will pay for the repair to your vehicle.

If you are currently covered with a company that bases its rates on the number of miles the vehicle is driven, the cost of keeping collision coverage may be nominal. This would occur if the number of miles driven is less than 3,000 and especially if an additional vehicle is in the household. When the number of vehicles in the household exceeds the number of drivers, typically, the average miles driven is lower.

Will You Be Selling The Vehicle?

This is another big factor. If you are selling the car, there’s a good chance you will not be the owner within the next few months or perhaps longer. In this scenario, since it is such a short period of time, it would not be advisable to change the policy. The extra money you pay for a few months is not worth the risk you would take of not only losing the sale, but getting stuck with a badly damaged car and having to pay for a newer vehicle. In this scenario, leave liability, collision and comprehensive benefits on your vehicle.

If subsequently you decide to keep the car (or truck), it may be a better time to consider removing coverage. The cost of collision and comprehensive coverage can be substantial over a period of 5-10 years (or longer). If a youthful driver is present in the household, the cost will be higher. The existence of a high-risk driver in the household will also raise the premium. Although a driver-exclusion may be available, the risk of the driver operating your vehicles is a valid underwriting concern of the carrier.

You should also be concerned with a potential buyer test-driving the vehicle. In most states, if they have an accident and cause damage, your insurance will be liable and responsible for covered expenses. If you have “just liability,” you’ll have to pay for the repair of the vehicle out of your own pocket before selling it. You also may lose a few potential sales if the buyer can’t test-drive the vehicle. However, it’s possible that their coverage may pay for physical damage while operating your vehicle.

How Quickly Do Vehicles Lose Their Value?

A new car or truck instantly depreciates once it is driven by the new owner. The percentage is approximately 6%-12%. For the next four years, the average depreciation is approximately 12%-22% per year. If you purchase a used vehicle, the rate of depreciation will be slower. Higher-value vehicles are more expensive to insure, but retaining collision coverage is a more popular option. Deductibles of $1,000 and above are more common with luxury vehicles.

Vehicles that appreciate are typically antique or classic. Special policies are offered for these types of cars (and trucks) that allow you to insure for the market value of the vehicle. An appraisal may be needed. Classic car rates are typically about 35% less than standard rates. Coverage is guaranteed to match the value of the vehicle. You can utilize several reputable resources to determine the value of your vehicle. Examples are the Kelley Blue Book and N.A.D.A.

You Can Keep Comprehensive Coverage Without Collision Coverage

Higher-mileage vehicles that are more than 10 years old are popular options for removing collision and retaining comprehensive benefits. Your premium will reduce, and the vehicle can still be repaired from an accident that is not your fault (assuming the other party has coverage). Common claims that are covered under the comprehensive section of the policy include falling objects, fire, theft, vandalism, weather damage, and many animal-damage incidents.

Savings will vary, depending upon the age and value of the car or truck. Vehicles that are financed or leased will not be able to remove this coverage. The most cost-effective situations are when the vehicle is worth at least $10,000. Glass-breakage may be covered at 100%, regardless of your deductible. Note: Keeping full coverage on a vehicle may allow you to include several free benefits, including towing, small amounts of life insurance, or accidental medical coverage.

Additional Information:

Increasing your potential out-of-pocket expense on the most expensive vehicles to insure, will of course, save the most money. Of course, if you have a propensity for hitting other vehicles, then keep low deductibles! The following vehicles (below) should always be considered for increased collision and comprehensive deductibles. For example, increasing deductibles by $250 could easily result in annual savings of $250 or more.

Dodge SRT Viper, BMW 760Li, Nissan GT-R Nismo, BMW M6, Audi A8L, and the Mercedes GL63 AMG.

Car Insurance Rankings And Reviews In Maryland – Free Quotes

Who are the biggest writers of car insurance policies in Maryland and where do they rank? And do the largest companies offer the cheapest rates? Biggest is often the best, but not 100% of the time, as you quickly see with our free quote request. Compare multiple companies in minutes and view your personalized price report for all vehicles and carriers. Our side-by-side comparisons instantly show you how you can save money on your current coverage. The helpful and accurate reviews will show you which policies are the most budget-friendly.

We have listed below the 50 (We expanded our Top-40 list) insurers that issue the most auto policies in the state (based on premium dollars). There are about 160 companies that write business, although most carriers outside of the Top-50 do not issue a significant number of contracts. We utilize information from J.D. Power, consumer rating agencies, and claim data reports to help determine your best options. We also update information biannually for single, couple, family, and self-employed policies.

1. State Farm Mutual

2. Geico Casualty

3. Erie

4. Geico General

5. Allstate Indemnity

6. Government Employees

7. Allstate Insurance

8. Nationwide Affinity

9. USAA

10. Progressive Select

11. Nationwide Mutual

12. USAA Casualty

13. State Farm Fire And Casualty

14. LM General

15. MAIF

16. Geico Indemnity

17. Nationwide General

18. Progressive Specialty

19. USAA General

20. Liberty Mutual Fire

21. American States Preferred

22. Allstate Property And Casualty

23. Encompass Home And Auto

24. Garrison Property And Casualty

25. Trumbull Insurance

26. Progressive Advanced

27. Travelers Home And Marine

28. Agency Insurance Co Of MD

29. Elephant Insurance

30. Amica Mutual

31. Metropolitan Group Property And Casualty

32. Esurance

33. CSAA General

34. Peninsula

35. Progressive Direct

36. Travelers Property And Casualty

37. CSAA Affinity

38. Brethren Mutual

39. Mid Century

40. State Auto Mutual

41. Amco

42. IDS Property And Casualty

43. Pennsylvania National Mutual

44. Progressive Classic

45. Selective Insurance

46. Encompass Insurance

47. State Auto Property And Casualty

48. Mutual Benefit

49. Cincinnati Financial

50. Unitrin Auto And Home

Each year, the Maryland Insurance Commissioner must publish a written report detailing the impact that both auto and homeowner’s prices have on consumers in the state. The General Assembly and Governor receive the findings, and typically, the results are made available to the general public. Brokers and reputable websites (like us) utilize this information to help customers find the best offers in their areas. We customize proposals so they can match your personal budget and benefit needs. If vehicles or drivers in your household change, the cost of coverage will also change.

Pay-Per-Mile

If you move, change vehicles, add or subtract drivers, or change coverage, we can easily adjust our quotes to maximize savings. Prices can increase (or decrease) if you move to a different county. Note: “Pay-Per-Mile” companies are becoming more popular. The driver pays a low monthly per-mile rate that can often save hundreds of dollars per year in premiums. This low-mileage coverage may be ideal for Seniors who rarely operate a vehicle. Pay-as-you-drive (PAYD) plans determine pricing on how you drive, along with how far you drive.

Telematics is the current technology that tracks your driving habits, including speed length of trips, quick accelerating, sudden braking, and other habits. Coverage without a plug-in device may be available, although the savings won’t be as substantial.

College students, persons that work from home, and persons that regularly utilize mass transit systems, are often ideal candidates for this type of coverage. You can also use a separate policy if its cost-effective to use just one vehicle for these types of benefits. Calculating your cost is very simple so you can determine potential savings before you sign up.

“Pay-Per-Mile” policies are often available through the following companies:

Esurance

MetroMile

Mile Auto

MileWise (Allstate)

Noblr

SmartMiles (Nationwide)

Quick Observations About Several Carriers On The List

Elephant Insurance Really Owns An Elephant!

Elephant doesn’t write business in many states. But this British-domiciled company is expanding, and we expect them to offer coverage in twice as many states within 10 years. And yes, they really do own an elephant! And they are also annually recognized for treating employees well. The parent company (Admiral Group) is one of the biggest insurers in the United Kingdom, so the financial backing is available. Expansion to all parts of the US is unlikely, although additional states will be added by 2024.

Amica is one of the oldest and most established companies, although not as well-known as some of the other “name” options. They systematically maintain high ratings for customer-service and financial safety (J.D. Power and A.M. Best) and tend to avoid major price fluctuations. They offer “no-frills” policies in may areas. Typically, you can only purchase coverage online, but their internet quoting system is very functional. 24/7 customer service is available, and consumer satisfaction for claims is generally very positive. The Baltimore Regional office is located on Columbia Gateway Drive.

Erie is another “quiet” company that doesn’t have a large advertising budget. But in many pockets of the state, they have very low rates. Their offices are often smaller 1-2 person operations, but it doesn’t impact their service. While Northwestern is the “Quiet Company” for life insurance, Erie is the “Quiet Company” in the property and casualty business. They also offer competitive term life insurance coverage for face amounts of $250,000 and less. Often, their term rates are competitive with major carriers such as Protective Life and Banner Life. There are many Erie agents conveniently located throughout the state. Erie writes business in 12 states (including Maryland) and is the 15th-largest property and casualty carrier in the US.

Geico has terrific commercials, although their prices aren’t so terrific in all areas of the state. And in case you were wondering, “G-E-I-C-O” stands for Government Employees Insurance Company. The original owner sought to cover as many government employees as possible, so the name has not changed. Berkshire Hathaway owns Geico, and the world headquarters are located in Chevy Chase. Coverage is offered countrywide and in many areas, the prices are the lowest among major carriers. Boat coverage is available for all state waterways.

Metropolitan, perhaps better known as MetLife, is the nation’s largest life insurance company. Although they no longer utilize agents, their group property and casualty business is quite active, especially through large companies. “Met P&C” offers attractive payroll-deduction options to many corporate clients. Reductions are often as much as 10%, along with getting an easy payment method. Many retired MetLife employees continue to payroll-deduct auto and home premiums through their pension checks. Although Farmers recently purchased the auto and home business, coverage is still offered.

State Farm lives up to their “Good Neighbor” nickname since they seem to be on every corner! Always verify you are getting their discounts since there are many. In the past their offices have sold health insurance (not their own product), although an experienced broker is a much better choice for purchasing Exchange plans. Their investment and rental property rates are also very competitively priced. Additional commercial plans are available through local brokers and corporate offices. Small business and banking products are also offered.

Zurich may not be a familiar name, but you probably recognize the Farmers Group (and their catchy commercials). Zurich is the parent company to Farmers, who happens to be the parent company to 21st Century. The combination of their assets and market-share propels them to the Number 12 spot. Farmers commercials are very popular and easily-recognized. Farmers agents typically work very closely with the local community, and offer extremely competitive rental property rates in many areas.

Ameriprise (no longer in the top 50) offers lifetime renewals (subject to certain conditions). Also, if you are a member of Costco, a small discount applies to your premium. Ameriprise also provides financial planning through their field force of brokers. 401k and IRA rollovers are popular products offered along with many retirement-oriented products for Seniors. Individual stocks can also be purchased and sold from certified financial planners. Fidelity, Ameritrade, and other investment companies can also provide excellent investment advice. Self-management is also a popular option through their many online tools.

Brethren Mutual is a 100-year-old company that provides coverage in Maryland, District Of Columbia, Delaware, Pennsylvania, and Virginia. The main office is in Hagerstown on North Edgewood Drive. Along with the standard auto and home policies, Brethren Mutual also offers personal umbrella, commercial umbrella, commercial auto, workers’ compensation, farm auto, and farm umbrella policies.

Allianz (also no longer in the top 50) insures more than 70 million persons (mostly outside the US) and was founded more than 100 years ago. They own Fireman’s Fund, which is a large property and casualty insurer, and provide investment products for many financial planners. Their tax-deferred annuities have been very popular since the 1990s.

Cincinnati Financial is, of course, based in Ohio. But they offer respectable rates in many states, including Maryland. Mostly available through independent brokers (and our website), they also offer a wide range of, as you may expect, financial products! CinFin (their industry-recognizable name) was named by Forbes Magazine as one of the 50 most trustworthy financial companies in the US. When bundling their auto and home policies, rates are very competitive.

Encompass is marketed through 2,600 independent brokers. Coverage is offered in 39 states, and market share has been slowly expanding. A,M. Best has assigned an “A+” rating to the carrier and several of its subsidiaries. Along with auto and home insurance products, additional lines of business include personal umbrellas, home businesses, motorcycles, RVs, boats and watercraft, and identity theft.

A “Lifestyle Endorsement” provides the following benefits: extended care facility coverage, cost of alternative school (if needed), advanced payment reimbursement, traveler’s coverage, live-in home care reimbursement, open peril coverage for sports and hobby equipment, and increased jewelry coverage.

Maryland Department Of Insurance Monitors Companies

Reform Act Of 1995

The Reform Act of 1995 requires that companies must offer pricing that is not unfairly discriminatory or excessive. If a Maryland car insurance rate is high, unless it is considered unfair and unjustified, it will remain in place. Normal competition among carriers will also naturally force down any unnatural pricing. If a rate is artificially-priced too low in an effort to secure market-share, generally, the premium will come back up quickly. The concept of “competitive rating” eliminates the process of requesting prior approval of rate changes.

If an insurer wishes to increase or decrease rates, they are no longer required to wait to receive approval after officially filing a request. This allows companies to react quicker to changes to market, economic or natural conditions that impact claims and expenses. Presumably, when less claims are filed than originally estimated, often we will see a small rate reduction. However, the competitiveness of other companies in that zip code (or county) will have an impact. Also, it’s possible that a period of low claims will be a result of unseasonably-favorable weather, instead of underwriting reasons.

Often, a “holding company” owns several insurance companies that offer similar but different products. Several of the larger holding companies include State Farm, Geico, Allstate, and Nationwide. The 10 largest companies generally represent 80%-85% of all policies written in the state. These carriers typically feature separate companies for their preferred, high-risk, and commercial business.

This legislation also applies to homeowner’s insurance in the state. About 120 companies write this type of business, although the biggest 10 carriers account for about 80% of market share. When companies are not willing to offer competitive pricing in some areas, it’s important that the reason is justified and backed up by financial loss-ratio data. To maintain a competitive environment, typically, products and carriers must be able to easily enter the market, and the number of writers and their concentration of policies must be monitored.

The Administration monitors homeowner’s prices to ensure “healthy” competition. Obviously, there are going to be differences in premiums from one carrier to another. Almost always, this is entirely justified. The old practice of redlining (more popular in the 1980s and 1990s) is of course, illegal. This occurred when carriers were extremely reluctant to write business in specific areas. Often, it was urban areas with higher crime rates.

Future Changes To Top-50

Over the next decade, it is unlikely that you will see major changes to the list. Although some of the larger carriers, such as Geico, USAA, Allstate, and Progressive may shift several positions, it’s unlikely that one specific company will leapfrog five spots and gather a significant increase in market share. The exception occurs when corporate takeovers, mergers, or sales quickly move one company above many others.

However, Elephant Insurance (part of Admiral Group) could become a viable force in the state in about 5-10 years. Although their home office is not in the US, they have slowly been expanding and gaining market share. If they do start writing policies in Maryland, we’ll publish an in-depth analysis about their initial rates, and the way they have conducted business in other states. So far, in other areas, their pricing is competitive, but brokers and agents are more comfortable recommending other companies.

Elephant offers some unique discounts for their policyholders. We published an article detailing the best discounts for your car insurance that will help anyone, regardless of which company provides their coverage. While some discounts are automatic, there are several you should ask for, including “good credit,” “good student,” and “55 and retired.” Headquartered in Richmond, they offer 10-minute online quotes, and a “repair Assistance Program” that offers a streamlined process.

What About The Companies With The Lowest 2023 Rates?

Compare cheapest car insurance in Maryland

Save Money On Your MD Car Insurance And Be Happy!

Prices, of course will dramatically vary, depending on age, where you live, how many tickets you have, the type of vehicle you drive and several other factors. However, we created a few scenarios (below) that provide a baseline comparison of rates among different companies licensed and approved to write business in the state.

The MD Insurance Administration provided the raw data. Premiums shown are for a six-month period. Seven random companies were chosen among the carriers offering the most competitive offers. In future years, more companies will be participating. Also, additional age and vehicle scenarios will be used. Newer vehicles will also be used in the quoting process.

Situation 1 – 30 Year-old Male in Hagerstown area. Vehicle is 2006 Subaru Forester with $100,000/$300,000 liability and $250 and $500 deductibles on comprehensive and collision:

$814 – AIG

$978 – Allstate

$765 – Amco

$967 – Amica

$810 – Cincinnati

$771 – Cumberland

$916 – Encompass

$944 – Erie

$1132 – Farmers

$734 – Geico

$643 – Horace Mann

$1224 – Metropolitan Group Property & Casualty

$961 – Nationwide

$675 – Peninsula Insurance

$1341 – Travelers

$1037 – USAA

Situation 2 – 50 Year-old Female in Cumberland area. Vehicle is 2010 Ford Explorer with $250,000/$500,000 liability and $250 and $500 deductibles on comprehensive and collision:

$796 – Amco

$983 – Amica

$815 – Cincinnati

$647 – CSAA

$791 – Cumberland Insurance

$665 – Erie

$676 – Geico

$537 – Horace Mann

$774 – Meridian

$794 – Metropolitan

$650 – Mutual Benefit

$893 – National General

$1012 – Nationwide

$674 – Old Dominion

$851 – Travelers

$839 – Unitrin

$597 – USAA

Situation 3 – Married couple (ages 35 and 32) with two non-driving children in Oakland area. Vehicles are 2005 Nissan Altima and 2010 Dodge Dakota with $250,000/$500,000 liability and $250 and $500 deductibles on comprehensive and collision:

1422 – Allstate

1377 – Amco

1018 – American National

1112 – CSA General

1252 – Encompass

$1213 – Erie

$1513 – Farmers

$1430 – Foremost

$1254 – Geico

$764 – Harleysville

$951 – Horace Mann

$1416 – Meridian Security

1308 – Metropolitan Direct

$774 – Old Dominion

$806 – Peninsula

$1189 – Selective Insurance of SC

$1496 – State Farm

$1536 – Travelers

$1037 – Unitrin

$1313 – USAA

Situation 4 – Married couple (ages 29 and 29) with two non-driving children in the Annapolis area. Vehicles are 2011 Chevrolet Silverado and 2007 Ford Taurus with $30,000/$60,000 liability and $250 and $500 deductibles on comprehensive and collision:

$1495 – AIG

$1204 – American National

$1626 – Cincinnati

$1977 – Erie

$1500 – Geico

$1848 – Horace Mann

$1562 – IDS

$2229 – Meridian Security

$2230 – Metropolitan Direct

$2015 – Mutual Benefit

$2610 – Nationwide

$2408 – Old Dominion

$2612 – Progressive

$2243 – State Farm

$2565 – Teachers Insurance

$2380 – Unitrin

$1992 – USAA

Situation 5 – 65 Year-old Male in Queen Anne’s County. Vehicle is 2012 Ford Escape XLS with $100,000/$300,000 liability with $250 and $500 deductibles on collision and comprehensive.

$745 – AIG

$951 – Allstate

$452 – American National

$632 – Cincinnati

$664 – CSAA

$890 – Encompass

$591 – Erie

$471 – Geico

$462 – Horace Mann

$606 – IDS

$670 – Metropolitan Direct

$545 – Mutual Benefit

$548 – Old Dominion

$596 – Penn National

$716 – State Farm

$521 – USAA

Buying Business

Sometimes, business is “bought,” by artificially and temporarily lowering rates. When this phenomena occurs, initially, prices decrease, and new policy written business often sharply increases. Of course, liberal underwriting can also contribute to many policies being written that should have been declined or charged a higher rate. Ultimately, much of the business falls by the wayside, but just enough is kept in-force to make the process somewhat profitable. Retaining the most profitable business is critical to the insurer to maintain competitive rates.

Within the next 12 months, we will also be publishing our customized ratings, based on customer comments and experiences, proposed rate changes, past fluctuations in prices, and anticipated changes in policy and coverage. We will be utilizing written and voicemail responses from 500 random Maryland residents recently contacted. No names, personal, or financial data will be requested or used.

Maryland All-Terrain Vehicle Coverage – Companies Offering Policies

Agency Insurance

AIG Property Casualty

Allstate Property And Casualty

Amco

American National Property And Casualty

American Property And Casualty

Amica Mutual

Chubb National

Cincinnati Insurance

Donegal Mutual

Encompass

Erie

Esurance

Foremost

Geico Indemnity

Hartford Casualty

Markel American

Meridian Security

Metropolitan Casualty

National General

Nationwide

Pharmacists Mutual

Privilege Underwriters

Progressive Casualty

Rider Insurance

Selective Insurance

State Farm Mutual

Travelers Property Casualty

Additional Information:

Speaking of lists…A recent study revealed the states with the rudest drivers. Maryland was rated 32nd (above average) well behind nearby New Jersey and Washington DC. Interestingly, MD drivers seem to despite Pennsylvanians the most while DC drivers list Maryland residents their biggest nemesis on the road. By the way, North Dakota and Maine were determined to be the the most well-behaved states.

Not a positive ranking, but you should still know. Baltimore was selected as one of the 10 most dangerous cities when driving in rain or snow. The study, released by Allstate, highlights areas of the country with a combination of bad weather and high incidences of accidents. Certainly, this season’s snowfall is not helping, especially in Eastern cities that are experiencing record snowfalls.

Vehicle Discounts That Will Lower Your Rates

Are you paying too much for your auto or truck insurance in Maryland. Perhaps you’re not qualifying for many of the available discounts. Whether you’re insured with State Farm, Allstate, Progressive, Liberty Mutual, Nationwide, or Esurance, you always are going to look for ways to reduce your premiums. Maryland drivers have many available reductions that can potentially save hundreds of dollars per year. Also, new programs are periodically introduced that can lower prices of coverage for young and Senior drivers.

Safety, bundling, loyalty, and group discounts are the most common ways to reduce prices, and they provide consistent savings. Group and employer-provided policies to active and retired workers can reduce rates by 5%-15%. Additional savings are provided when policies are paid through active payroll or retirement checks or deposits. Prepaying premiums can also result in large savings with selective carriers. Utilizing paperless billing options may also provide savings with many carriers.

We briefly discuss the major options in our complete guide, so perhaps you can get in on the savings! Our website is designed to reduce your auto insurance rates by offering sound advice and free comparisons (in the quote box near the top of the page). You can also compare costs with multiple carriers for vehicles that you are contemplating buying, but have not purchased yet. Many deductions are also available that are not discussed, including Military membership (active or retired), pay-in-full, paperless, low-income (in some states), and electronic debit.

The “base rate” that carriers charge for policy coverage is the starting point that the consumer pays. Surcharges increase the rate, and generally are the result of moving violations, at-fault accidents, or high-performance vehicles. Discounts will reduce premiums, based on the amount of risk that can be eliminated. If a risk is permanently removed, the premium reduction will be larger.

These are the types of discounts we teach you to ask for. Newer vehicles may feature discounts that you previously did not qualify for, and low-mileage reductions have also been added by many carriers. Leased vehicles may be eligible for additional perks by the vehicle manufacturer. However, extended warranty options generally need to be purchased.

Slow Down!

Reduce Your MD Car Insurance Rates With Discounts

Don’t drive so fast! We know. That’s not really a discount, but by slowing down, you’ll likely save a lot of money. Here’s how: Insurance companies will routinely check your driving record. Any claims that involve vehicles you own will also be checked. Although the first violation may not result in a premium increase, additional moving violations may be treated differently by an underwriter.

Although they are looking for major violations such as a DUI, DWI, hit and run, reckless operation or license suspensions, they will document other minor violations. Future eligibility of discounts can be impacted. Multiple speeding violations can result in bigger rate increases, especially if a driver’s license was suspended. Excessive speeding can also result in an immediate lice suspension.

Going through a stop sign or failing to yield will hurt your record just as much as a speeding ticket. And since it takes about 36-42 months to be erased from your official record, you may be forfeiting a lot of money. Fortunately, parking tickets do to have any impact on your policy. Registration infractions also do not impact the cost you pay to cover your vehicle. However, the car or truck you drive must remain legally-registered or the vehicle will not be allowed to be operated.

Even if you’re not considering changing carriers, having a ticket on your record may keep you from qualifying for “good driver” discounts that every company offers. So, although you won’t be charged more for the blip on your driving record, it may keep you from earning a rate reduction. And it has the same effect. For example, you may become ineligible for up to 20% in superior driving discounts and deductible-reduction options. Although they can be earned again, the delay may be as long as 60 months.

If you have more than one moving violation (especially more than two), it will become very difficult to find lower prices. Not impossible, but harder. As the violations slowly disappear from the BMV records, you’ll start to pay less for your coverage. When your record is clean, you’ll notice even bigger savings, and possible eligibility for additional discounts. Multiple comprehensive claims (fire, theft, or vandalism) may also negatively impact your cost of coverage.

Impact Of Youthful Drivers

A sports car and a youthful driver in the household can be a very expensive combination. No, we’re not going to tell you to get rid of either one! However, often, higher rates are a result of a particular vehicle being assigned to the wrong driver. For instance, if your son or daughter don’t drive that sports car very often (and we assume they do not), perhaps they should be assigned to less- expensive vehicles on your policy. The savings is often significant.

However, several companies do not assign specific drivers to specific vehicles. Younger drivers can operate any vehicle in the household, unless specifically excluded. If the child is away at school most (or all) of the year, a rate reduction is possible. If the vehicle is housed at the location of the school, the discount may not be offered. Students in graduate school or medical school will also be eligible for a premium reduction. However a medical resident in a hospital will not be eligible.

You may have a specific designated vehicle that is mostly driven by one or all of your children. It’s probably an older vehicle. If that fits your household situation, it’s important to make sure your broker or agent knows that. You’ll save a lot of money by assigning the right driver to the vehicles that will minimize the rates. And of course, knowing teenage driving rules in the state helps. Our article (here) will help you better understand the rules and regulations.

Since it’s not automatically completed by the carrier, often, you do have to ask. And since underwriters often re-rate policies every few years, it’s important to verify that you’re not being overcharged by having the wrong persons assigned to the wrong vehicles. Also, renewing a specific reduction (good-student, for example) may not be automatic. Each six months, continuation of existing discounts should be verified. It’s also wise to compare your new declarations page to the previous page, to verify that no discounts have been removed.

By having your teenagers stay away from your expensive cars, you’ll come out ahead. He/she can still drive the higher-valued vehicle, but must not drive it on a regular basis. Naturally, each driver in the household would be covered in every situation. By getting rated as an “occasional” instead of “principal” driver, the premium reduction could be very large. If their driving preference changes, the insurer should be notified. If one of the vehicles is titled in a child’s name, a separate policy may be needed.

Your Zip Code

Do you live in a zip code that is located in more than one county? Perhaps you’re located near the border of Howard or Montgomery County? Or perhaps Baltimore and Harford Counties? You may not be aware that many insurers utilize your county of residence to calculate your rate. Sometimes, if you live in a zip code close to another county, you may be accidentally (and unintentionally) receiving rates based on the wrong county. If you recently moved, and did not notify the carrier, current pricing may not be accurate. Also, distances to/from work may need to be adjusted.

Don’t Gamble By Neglecting To Shop Different Companies

There are several carriers that calculate prices on the county, instead of the zip code. Since many households are located near multiple counties, it’s important to ensure you are being rated correctly. Often, the area that is within a large city limit, will receive the higher prices. If you are in a “township,” you may be incorrectly placed in the wrong rating area.

Statistically, rural areas have fewer claims than urban areas, and the number of vehicle thefts is typically substantially lower. Vandalism and glass breakage claims are also less frequent. Other weather-related comprehensive claims are not impacted, including hurricanes, floods, tornadoes, and snow storms. Epidemics (COVID) result in fewer vehicles driven, and may result in a small reduction offered by insurers.

This is another reason why it’s always smart to shop (we recommend comparing at least three other carriers) if you move from one area to the other. You may find you were very satisfied with your pricing on one side of the state, but faced a large increase after you moved. Sometimes, MD car insurers simply handle more claims in a given area (and it may be just coincidence) and therefore must charge a higher rate. Often, the higher prices are cyclical, and premiums eventually reduce.

Several MD zip codes with the lowest rates include: 21701, 21702, 21703, 21704, 21705, 21709, 21740, 21741, 21742, 21749, 21601, 21620, and 21690.

Are You A Senior?

If you have reached age 65, most companies will reduce premiums by as much as 10%, although often, some (or most) of the discount is applied at age 55. Senior defensive driver courses can also be quite cost-effective since the completion of an authorized and approved course can often result in savings as much as $100 per year. Typically, the cost of the course costs much less, or is free. The rate reduction also continues for multiple years, unless a change in health impacts driving ability, or a loss of driving privileges occurs.

A resource guide for aging Seniors is also provided by the Motor Vehicle Administration (MVA). Some of the topics discussed are aging driver education and rehabilitation, older driver statistics, recognizing changes, safe mobility, driver wellness, including health skills and making good choices, and training workshops. A hard-copy can be sent if requested. Training workshops are offered throughout the year at many locations. During pandemics (COVID), online options are offered.

Vehicle Factory-Installed Items

Although most insurers automatically apply discounts for most factory-installed items, such as air bags, head-injury protective devices, anti-lock brake systems, alarm systems, traction control, and favorable crash-test reports, occasionally, a device or feature is missed. Therefore, once the vehicle is added to the policy, it’s advisable to check your declarations page for any missing items. You can also request to receive a complete list of passenger vehicle discounts that are available from your existing carrier.

We understand it’s not always easy to find the cheapest rates. But a combination of smart shopping and maximizing the best discounts that are available, will help reduce what you pay and put more of your hard-earned money where it belongs. In your own pocket!

An early signing/renewal discount is often applied if you continue your policy a specific number of days before the new policy period begins. The discount is typically 10%. However, as interest rates remain fairly low, many insurers are reducing the discount. However, discounts continue for long-term customers.

The Importance Of Comparisons

It becomes more important to compare prices if you move to or from a different state, where there can be huge differences in premium. And you also may be faced with a situation that a company offered some of the lowest rates before you moved and was now substantially more expensive than all of the other carriers after you changed locations. It is not uncommon to see price differences of 20% or more within a 10-mile radius. Also, age restrictions may impact availability of some discounts.

Also, the minimum liability requirements for your new state may be substantially higher than your previous requirements. Recently, many states (Ohio, for example) have raised their minimum legal limits. If you are planning to move, we can provide the new legal bodily injury and property damage mandates that you will have to have. Or if you just moved to this state, there may be a specific part of your previous policy that is no longer applicable. If you have a personal excess liability umbrella policy, minor changes may have to be made, if you move from one state to another.

Comparing prices from different Maryland companies will help you reduce your costs by at least 10%. Underwriting criteria can be very different and costs in particular areas of the state can change very quickly. We make it easy for you to find, and subsequently view the best choices. We do the research, numbers-crunching, and verifying of the accuracy of prices, so you can be confident that our quotes will save hours of time and aggravation. We also review customer loyalty discounts from major carriers, and show you which companies offer the biggest reductions.

Examples include early renewal and several bundling options.

Summary Of Best Auto Insurance Discounts

Affiliated/organization – Offered through work, school, paid and unpaid memberships, or organization. 15%-20%.

Anti-lock brakes – 5%-10%.

Anti-theft/alarm system – factory-installed and privately-installed systems qualify. 5%-25%

Automatic bill-pay or E-bill – electronic payments from checking or savings accounts. 3%-5%.

Defensive-driving – Completing qualified classes and training (national Safety Council is one resource) provides the discount. 10%-15%.

Good student – Typically, a 3.0 GPA is required (or a “B” average). 10%-15%.

Homeowner – Must own, and not rent a home. 5%-15%.

Hybrid – Hybrid and electric vehicles. 7%-10%. Each year, the cost of these types of vehicles slightly reduces.

Low mileage – Depending on the carrier, less than 7,500 miles driven per year may qualify. Less than 5,000 miles driven will increase the discount. 5%-20%.

Military – Active and retired qualify. 3%-7%.

Multi-car – Two or more vehicles are covered by the same carrier. 5%-20%.

New-car – Purchasing a current model year (must be new) will reduce rate. 5%-10%.

Paid-in-full – Paying full 6-month premium. 2%-10%.

Safe driver (accident-free) – Awarded to drivers that don’t have at-fault accidents. 5%-30%.

Senior – Age qualification varies, but typically between ages 55-65. 5%-10%.

Student away – Depending on the distance to school (without a car), a savings may apply. 10%-20%.

Additional Information:

Since youthful drivers are the most expensive risk to cover, any additional discounts can make a substantial difference. In addition to the traditional “good-student” and “student-away” discounts, teen driver-safety courses are now being accepted by many carriers.

TeenSMART is one of several available driver crash reduction programs that reduce the number of claims, accidents, and injuries. Some of the national carriers that recognize TeenSMART (not in all states) include Allstate, Liberty Mutual, Central, and AAA.

Maryland Auto Insurance Shopping Guide – How To Pay Less

You don’t have to pay a lot of money for your car insurance coverage. Although rates in Maryland aren’t cheap for most consumers, especially if you have more than one vehicle and/or teenage drivers in your household, affordable prices can be found. Understanding the factors that impact premiums make the shopping process easier, and help you lower your cost. It will also allow you to switch companies (if applicable) and get a better deal.

Our in-depth guide is available online and can also be downloaded and printed. Our goal is to help you become an informed shopper with access to the most current and helpful information needed to lower your premium. Both big national and smaller local and regional carriers are reviewed in the most safe and secure format. When companies file rate change requests with the DOI, we promptly notify consumers of any price increases and decreases.

The Best Shopping Tips

Compare rates from multiple companies. There is a tremendous variance in prices from the Top-10 carriers. Rates can often change, and the type of car you drive, and where you reside, can increase or decrease your premium by as much as 50%. Remember that all price quotes are free. Also, some carriers specialize in high-risk situations, while other carriers are most competitive in niche markets, such as antique vehicles or households with superior credit scores.

Typically, within minutes, you can review premiums from several carriers. The format is simplified and you can easily edit liability limits, deductibles, and other benefits in seconds. Comparing multiple vehicles is also an available feature if you are contemplating leasing or purchasing different cars or trucks. Due to recent shortages of manufacturing capability, used vehicle prices have substantially increased, and less new vehicles are being manufactured. The shortage should end by 2024.

Check deductibles – Of course higher deductibles will always lower your cost. But sometimes the difference will be much more than you realize. In many situations, you could raise your deductible, have an at-fault accident every other year, and still come out ahead. With older vehicles, it won’t make as big of a difference. But for any car or truck that is less than three years old, the savings between a $200 deductible and a $500 deductible can be substantial. $1,000 deductibles are very cost-effective for luxury vehicles, and often $2,500 is the best option.

The difference between a $100 deductible and $50 deductible will be negligible. $1,000 and $2,000 deductibles for luxury vehicles has become more popular. All policies allow you to choose different deductibles for each vehicle. Thus, to help reduce the premium, you may be able to select higher deductibles on the cars or trucks that the youthful drivers mostly operate. Deductibles can be changed upon request. With most companies, the insured can change their coverage online by creating a personal account.

Most carriers have apps that can be easily created and set up. Progressive and USAA have extremely popular apps that are very user-friendly. Changes to deductibles can be made instantaneously with a next-day effective date. Many other functions are available.

Classic or antique vehicles often are covered as a “stated value” and deductibles may not apply. If you own a car or truck that is 25 years or older, and the market value is appreciating, a special type of policy may be more suitable. Although an appraisal may be required, and a limitation on miles driven will apply, you’ll be very happy with the coverage and premium. And if the vehicle is totaled, you will know in advance the amount of reimbursement you will be receiving. Every five years, a new appraisal should be obtained. A slight increase in value should not substantially impact the cost of coverage.

Rely on professional unbiased information – With more than three decades of experience helping consumers, I’m confident our website passes the test. But the internet is full of potholes and danger signs when you’re searching for better insurance rates. Many websites are not reliable, factual, US-based, or all three! And if you are ever asked to provide personal financial data, immediately exit the website. Also, just as importantly, our website does not gather or keep any personal or financial data about visitors. You are never placed on a marketing or mailing list, and driving records are never checked unless requested.

Utilize the DMV (Department of Motor Vehicles) and DOI (Department of Insurance) websites. They offer free unbiased information about carriers, pricing, and several other helpful topics. Throughout this website, you will find several direct links that provide current information that may reduce your premium. Loss ratios, market shares, and recent rate filings are available for consumers. Price comparisons of several additional products are also offered, including the most current homeowner’s insurance rates for all counties.

Update coverage – Liability limits should be periodically increased to keep pace with inflation. Policies that were originally issued with state-minimum limits should be raised to the next level. Collision and comprehensive deductibles should be increased if historically there are very few at-fault accidents. Deductibles can always be changed to fit the type of cars and drivers in the household. Removal of collision coverage should be considered for vehicles that have high mileage and no outstanding liens. Once removed, coverage can be added again.

Discounts Make A Huge Difference

Understand discounts and how they can help you – Not all discounts are created the same, and each company handles them differently. Once you understand the ones you will qualify for, it will make the shopping process easier. Also, verification may be required for certain discounts, but not for others. Occasionally, additional documentation may need to be provided, especially college or high-school grade transcripts for a good-student discount. Transcripts also may have to be updated annually.

For example, if you are the parents of a student, the “good student” and “student away” discounts will reduce your premium. Since youthful operator rates are the highest, these are two discounts you don’t want to ignore. If you’re not sure if you are receiving them, check your next declarations page when it is received. Also, keep current when forwarding your son or daughter’s good grades to the carrier. Often, graduate school may continue to qualify for the discount.

Beware of fraudulent insurers – Although very unlikely, there are bogus companies that are specifically created to fool the public and create the illusion they are a legitimate insurance carrier. We always painstakingly check that the companies we use are fully licensed in Maryland to do business. Typically, we only use the top-rated carriers for quoting. If you require additional data, there are many reputable research sources we can provide. A.M. Best and Standard & Poors ratings are easily available, along with DOI reports.

“Complaint ratios” will show you which carriers receive the most consumer complaints. Carriers with higher ratios often have a larger percentage of unsatisfied customers, so proceed with caution. A complete ratio comparison is available from the Department of Insurance. Larger carriers often have the lowest ratios. Newer carriers typically have larger ratios.

Never pay for a quote – There are actually several websites that require an upfront “fee” to shop different carriers for you and provide online prices. This practice is unscrupulous, and probably barely legal. Naturally, you should never pay for quotes. They always should be free! And if you are ever asked to pay an administrative or application fee, take your business elsewhere. Any request to provide your personal banking or credit card information should be ignored.

Several discounts that are not often utilized include:

Employer or membership – Your employer may offer a 5%-15% premium reduction with an option to payroll-deduct the cost of coverage. Also, credit unions, Chamber of Commerce, Sams Club, and Costco may offer reductions to members. Credit cards occasionally feature attractive features. Costco also features an auto program that allows members to purchase vehicles at the dealer’s cost. The new vehicle buying service has become very popular in recent years.

Policy renewal – Depending upon the number of years you have been continuously covered with a carrier, a renewal discount may be applied one or more times. For example, increasing discounts may be offered at the 5, 10, and 20-year anniversaries. Age-65 reductions may also be offered. This feature can also be very advantageous when multiple drivers on the policy have had recent at-fault accidents.

Driver Education Courses – Completion of courses may provide small but permanent premium reductions. Senior discounts may be larger with additional course options offered. AARP and other Senior services can provide a list of approved vendors. Younger drivers with limited experience can often benefit from courses. The savings can be substantial since prices for inexperienced drivers are often very expensive.

What Impacts My Rate?

Maryland Teenager Driving Insurance Plans

Younger Drivers Always Increase Your Rates

Age – Naturally, drivers under 21 will pay higher premiums. The lowest prices are found within the 50-70 range, although the 30-50 range is usually one of the lowest-cost age brackets. Persons over the age of 85 will be closely scrutinized for possible medical conditions, and you should never change carriers (at that age). If over age 75 with an at-fault accident within the last 36 months, stay with your existing company, regardless of rate increases.

Driving Record – The obvious choice. The more tickets and accidents you have, the higher the rate becomes. But conversely, long periods of time with no claims activity will be rewarded with lower rates. If more than three years, the reduction will be greater. Accumulation of “no claim” reward points is a concept that may be soon implemented. Accident-forgiveness for the first at-fault accident is a common perk for claim-free policyholders.

Where You Live – In all states, including Maryland, there will always be specific counties that cost more than others. Usually, high-theft/crime areas will be the most expensive. Quiet urban areas (many times) will have the lowest prices. For example, the best car insurance rates in Baltimore might still be higher than the worst prices in Chevy Chase. There can be tremendous variances from one are to the next.

Male Or Female – Although the Affordable Care Act eliminated gender-rating for health insurance, it does not apply to car insurance. Thus, males will cost more, until age 30. Then, there is very little or no difference. However, for persons under age 18, the male/female disparity in pricing is often substantial. A 16 year-old male can easily pay $400-$800 more per year than a female the same age. For Seniors, there is no significant difference in prices.

Usage Based – One of the newer reductions offered by several carriers. Nationwide’s “SmartRide” and Progressive’s “Snapshot” programs are two examples that study driving behavior through telematics devices that are installed in your vehicle. If you constantly speed, or roll through stop signs, your premium will not be helped. The data is collected to help determine which drivers are the safest, and which drivers have the highest propensity of having an at-fault accident.

Are You Married? – Yes, it does make a difference. Married drivers tend to be involved in less at-fault accidents, especially between the ages of 25 and 70. Each new research project that investigates this trends always confirms previous results. Even married Seniors in their 80s have better claim numbers that unmarried Seniors. No, this doesn’t mean you should get married as soon as you get your driver’s license!

Credit – Admittedly, this is a fairly controversial rating criteria. Should the amount of money you owe on your credit cards, or past borrowing history impact what you pay for car insurance? Many carriers believe it is relevant, and therefore utilize data from credit reports in their underwriting criteria. Credit scores higher than 700 typically generate a discount with selected carriers. A score above 800 will earn the highest available discount. Recent bankruptcies can have a negative impact on your premium, depending upon the carrier.

Reviewing your credit before you apply for coverage could save you money and time. If errors are present, they should be corrected before you submit an application for coverage. Consumers can check their credit report annually (without paying). Insurers can utilize information to lower premiums, but not increase them. A free credit report can be submitted to Equifax, Experian, or Trans Union.

Age And Make Of Vehicle – If you own a newer car, it will probably cost more to cover. If it’s a high-performance sports car, it may cost more. And of course, older vehicles that are worth less, and less susceptible to theft, will be cheaper to cover. The cost of repair (parts and hourly wages) will also impact rates. The composition of the outside of the vehicle may impact the cost of repair, and ultimately, the cost of your collision coverage. Vehicles with fiberglass exteriors may be surcharged.

Do You Have Prior Coverage? – If you have existing coverage, you have satisfied Maryland’s car insurance liability requirement and will pay a lower premium than someone without previous immediate coverage. If there is a small lapse, it’s possible you still may earn the lower rating. If there has been a lapse of 30 days or longer, unfortunately, you will pay more. Longer lapses may require a license reinstatement.

How Often And How Far You Drive – The typical retiree will pay a lower premium since the number of miles driven is less and the chance of having an at-fault accident or claim is reduced. Another factor that can help rates is if the number of vehicles exceeds the number of drivers. Since all vehicles can not be used simultaneously, one or more cars may be discounted. However, the “multi-car” discount will be lost if less than two vehicles are covered. Generally, the discount is between 10% and 20%.

Education – Several carriers discount their rates for customers that have college degrees. The discount is small, and many companies that previously offered the discount, now no longer offer it.

Home Ownership – Policyholders that own a home or condo may be eligible for a reduction. Typically, homeowners are considered more financially responsible than renters.

Selecting The Best Coverage

The “best” coverage may not necessarily be the cheapest. The consequences of under-insuring can be as costly as over-insuring. But regardless of which options you select, the state minimum liability limits required by Maryland law must be included. Periodically, these limits increase. High-risk drivers typically see the largest rate increases.

Currently the lowest allowed coverage is $30,000 per person, $60,000 per occurrence and $15,000 for property damage. PIP (personal injury protection) must be at least $2,500, and uninsured motorist protection also must be included at the 30/60/15 level. Collision and comprehensive benefits are only required by financial institutions when a vehicle is financed or used as collateral. NOTE: $15,000 (property damage) is insufficient, considering that most new vehicles on the road cost much more.

We highly recommend limits of at least $25,000 or $50,000. $100,000 (or higher) may be required if you have a personal umbrella (excess liability) policy. Corporate and business excess liability policies will require higher underlying coverage limits. Typically, the minimum required bodily injury (per person) limit is $250,000.

There are two options when selecting your PIP benefits. “Limited” PIP does not cover yourself or any member of the family age 16 or older. Specifically-listed drivers also are not covered. Other passengers are not impacted, and the savings is about 35%-45% compared to “Full” PIP. The more comprehensive PIP option covers yourself, family members that reside with you, passengers and pedestrians with no limitations.

Don’t Drive Like This With Your New Vehicle!

Although, as previously noted, “full coverage” (collision and comprehensive) benefits are not required by law, they often represent the most expensive portion of your premium. By increasing your deductibles, substantial savings could result. However, the increased risk may or may not be worth the savings. The presence of youthful drivers in the household will increase the chances of paying multiple deductibles within a short period.

For example, if raising the deductibles from $250 to $500 results in savings of $300 per year on your policy, the increased risk makes financial sense since you’re unlikely to have an at-fault accident each year. However, if raising deductibles from $500 to $1,000 results in savings of just $100 per year, your “break-even” point has drastically changed. $2,500 options should only be considered if you are willing to potentially lose $5,000 of savings with two quick accidents.

Each household situation is different and must be studied on an individual basis. Also, a larger deductible means higher out-of-pocket expenses must be quickly paid. If liquid assets are not available, once again, it may not be the best choice. (This Consumer Guide For MD Car Insurance) may help) However, you can change deductibles at any time, assuming it does not impact a pending physical damage or liability claim. If you expect to sell your vehicle within the next three months, do not remove collision or comprehensive benefits.

Additional Information – Questions That Should Be Asked

While it would take up too much space to cover them all, we have provided many of the questions that should be asked.

Is substitution transportation (rental) covered if I have an accident? And what about damage incurred?

Are towing and jump starts included? If covered, what is the maximum payout?

Are drivers that reside in my household covered? Are there any restrictions?

Am I covered driving outside of the country? Are there counties that are excluded?

What is the “complaint ratio” for the company (calculated by Department of Insurance)?

How often do rates increase? Can you provide a history of increases from the last 60 months?

Can drivers outside of the household remain on the policy? If so, what are the restrictions?

Will the first at-fault accident be chargeable? If so, how much is the surcharge?

Which Companies Have The Least Expensive Prices?

Of course, rates will be substantially different, depending on many factors. Company A might be the cheapest option for a single person with two moving violations living in Baltimore, but the most expensive option for a retired couple with a perfect record living in Annapolis or Ocean City! That’s why we encourage everyone to view our free quotes so you view a more personalized comparison.

Regardless…Shown below are the companies that typically offer very competitive prices in most ares of the state. The list is in alphabetical order.

Allstate

Armco

Cincinnati

Cumberland

Elephant

Encompass

Erie

Geico

Harleysville Preferred

Horace Mann

IFA

Metlife

Nationwide

PURE

Progressive Select

State Farm

Teachers

Travelers

Unitrin

USAA

Naturally, different cities are not likely to have identical prices, and in specific areas, certain carriers will be more competitive. For example, although Farmers has solid pricing in College Park and Laurel, in Bethesda, Gaithersburg, and Silver Spring, PURE often has the lowest rates. Also, specific companies may offer attractive high-risk rates, but below-average prices for preferred drivers with no moving violations or at-fault accidents on their MVR report.

What About Motorcycles, RVs and Trailers, ATVs, Boats, and Antique/Classic Vehicles?

Not every carrier offers specialty coverage. However, we have listed below some of the reputable companies that can issue a policy for some of your unique situations:

Motorcycles/Scooters – Geico, GMAC, Liberty Mutual, Nationwide, Progressive, State Auto, State Farm, USAA and Zurich.

RVs/Trailers – AIG, Allstate, Chubb, Cincinnati, Erie, Geico, Hartford, Liberty Mutual, State Auto, State Farm, Traverlers, and USAA.

ATV – Allstate, Amica, Erie, GMAC, Liberty Mutual, Nationwide, State Farm, Travelers and Zurich.

Boats And Watercraft – Allstate, Erie, Liberty Mutual, Markel, Nationwide, Progressive, State Farm, Travelers, Unitrin, and Zurich.

Collector/Antique – AIG, Amica, Cincinnati, Erie, Geico, Hartford, Liberty Mutual, State Farm, Travelers, and USAA.

Additional Information:

Your Car Is Totaled

Typically, if your vehicle is declared a total loss, within 10 days you will receive a written offer from your carrier. The cost of repair must exceed the actual cash value (acv) for the offer to be extended. Otherwise, you are entitled to have your vehicle repaired and restored to its prior condition. If safety is a concern, this should be immediately discussed with your insurer. NOTE: If your vehicle is stolen, your carrier is given 30 days to provide a “fair” offer.

Recent Surveys

Based on recent surveys and research (N-Wallet) of all major insurers, the lowest prices are found in the following areas: Williamsport, Thurmont, Fairplay, Queenstown, Trappe, Emmitsburg, Adamstown, Vienna, Boonsboro, and Ocean City. However, many other factors can influence rates, including availability of discounts and safety devices on vehicles. Also, every three months, new calculations are completed and results change.

A recent national study concluded that Maryland has the lowest projected rate increase for vehicle owners following a $2,000 bodily injury claim. The average rate hike is 22%, which, of course, will gradually decrease and totally disappear following 2-5 years of no reportable incidences. The worst states, with increases above 50%, were California, New Jersey, Minnesota, North Carolina, and Massachusetts.

Sample Maryland Auto Insurance Rates For Drivers – Shop Smart And Save

View current auto insurance rates in Maryland from major carriers. With the help of the State DOI, shown below are costs of coverage for many scenarios in several counties. By comparing before you purchase, you may reduce your policy premium by hundreds or thousands of dollars.

Multiple factors impact premiums, including age, marital status, gender, make and model of vehicle, credit standing, and prior coverage. Flexible payment options are made available by all companies, including monthly payments with a low initial payment. Full, limited, or rejection of PIP benefits will impact the policy cost.

The Maryland Automobile Insurance Fund (MAIF) offers the lowest available liability limits ($30,000/$60,000/$15,000). Higher limits are also available to some drivers. High-risk drivers in Maryland are able to obtain coverage for financed or paid-off vehicles.

Prices shown are annual Maryland car insurance premiums for many hypothetical households. Most carriers offer a monthly billing option and additional discounts that may not have been included in the illustrated rates.

Unmarried 19-year-old female. Drives 2008 Toyota Camry to work and approximately 15,000 miles per year. No moving violations within the last 36 months. Liability and UM limits are $30,000/$60,000/$15,000 with $2,500 Personal Injury Protection (PIP). Collision and comprehensive deductibles are $500 and $250.

Washington County

$1,512 – AIG

$1,515 – Clearcover Insurance

$1,707 – Horace Mann

$2,072 – Branch Insurance Exchange

$2,139 – Progressive Select

$2,152 – State Farm

$2,247 – Teachers Insurance

$2,191 – USAA

$2,360 – Brethren Mutual

$2,423 – Erie

$2,431 – Noblr Insurance Exchange

$2,654 – Geico

$3,174 – American States Preferred

$3,302 – Farmers

Garrett County

$1,282 – USAA

$1,770 – Horace Mann

$1,791 – Geico

$1,887 – Progressive Select

$1,942 – State Farm Mutual

$1,977 – Teachers Insurance

$2,005 – USAA Casualty

$2,196 – Safe Auto

$2,258 – Erie

$2,369 – Brethren Mutual

$3,944 – Encompass

$3,302 – Metropolitan Direct

Frederick County

$1,508 – USAA

$1,512 – AIG Property Casualty

$1,739 – Geico

$1,800 – Horace Mann

$1,914 – State Farm

$1,977 – Teachers Insurance

$2,014 – Progressive Select

$2,028 – USAA Casualty

$2,054 – Brethren Mutual

$2,238 – Erie

$2,555 – Progressive Specialty

$2,261 – Safe Auto

Caroline County

$1,288 – USAA

$1,703 – Horace Mann

$1,979 – USAA Casualty

$2,008 – Progressive Select

$2,062 – State Farm

$2,118 – Progressive Specialty

$2,232 – Brethren Mutual

$2,290 – Safe Auto

$2,395 – AIG

$2,402 – Erie

$2,633 – American States

$3,995 – Nationwide

Unmarried 23-year-old female. Drives 2012 Jeep Liberty to work and approximately 15,000 miles per year. One moving violation within the last 36 months. Liability and UM limits are $30,000/$60,000/$15,000 with $2,500 Personal Injury Protection (PIP). Collision and comprehensive deductibles are $500 and $250.

Washington County

$1,065 – USAA

$1,213 – Geico Casualty

$1,418 – USAA Casualty

$1,475 – Horace Mann

$1,541 – AIG

$1,713 – State Farm Mutual

$1,908 – Cumberland

$2,100 – Erie

$2,171 – Privilege Underwriters

$2,214 – Encompass

$2,400 – American Family

$2,470 – Allstate

Allegany County

$968 – USAA

$1,286 – Geico Casualty

$1,378 – Progressive Select

$1,399 – USAA Casualty

$1,459 – American States

$1,539 – State Farm Mutual

$1,545 – Horace Mann

$1,804 – Mutual Benefit

$2,134 – Erie

$2,354 – American National

$2,447 – Encompass

$4,175 – Farmers

Frederick County

$1,083 – USAA

$1,122 – Geico Casualty

$1,402 – American States

$1,515 – USAA Casualty

$1,515 – State Farm

$1,538 – Horace Mann

$1,541 – AIG Property Casualty

$1,571 – Progressive Select

$1,676 – Safe Auto

$1,692 – Teachers Insurance

$1,946 – Cumberland

$2,193 – Erie

Worcester County

$1,016 – USAA

$1,184 – Geico Casualty

$1,311 – American States

$1,398 – USAA Casualty

$1,413 – Progressive Select

$1,464 – Horace Ann

$1,505 – State Farm

$1,539 – Progressive Specialty

$1,816 – Cumberland

$1,973 – Mutual Benefit

$2,226- Maryland Auto Insurance Fund

$2,319 – Erie

Talbot County

$1,003 – Amica

$1,409 – American States

$1,411 – State Farm

$1,415 – Root Insurance

$1,464 – Horace Mann

$1,545 – Progressive Select

$1,631 – USAA

$1,728 – USAA Casualty

$1,763 – Integon Indemnity

$1,863 – Geico Secure

$2,319 – Erie

$2,760 – Liberty Mutual

Dorcester County

$1,409 – American States

$1,464 – Horace Mann

$1,476 – Root Insurance

$1,635 – Progressive Select

$1,648 – USAA

$1,768 – Geico Secure

$1,776 – Amica

$1,878 – Cumberland Insurance

$2,222 – Integon Indemnity

$2,424 – American Family

$2,505 – Allstate Indemnity

$3,120 – State Farm

Unmarried 30-year-old male. Drives 2015 Toyota RAV4 to work and approximately 25,000 miles per year. No moving violations within the last 36 months. Liability and UM limits are $100,000/$300,000/$100,000 with $2,500 Personal Injury Protection (PIP). Collision and comprehensive deductibles are $500 and $250.

Garrett County

$862 – Progressive Select

$1,077 – Geico Casualty

$1,095 – Horace Mann

$1,117 – Encompass

$1,146 – Cumberland Insurance

$1,153 – Progressive Specialty

$1,222 – USAA

$1,222 – Nationwide

$1,316 – State Farm Mutual

$1,366 – Erie

Saint Mary’s County

$937 – Progressive Select

$1,052 – Geico Casualty

$1,120 – IDS Property And Casualty

$1,203 – Horace Mann

$1,240 – Nationwide Property And Casualty

$1,250 – Root Insurance

$1,340 – Cumberland

$1,383 – USAA

$1,489 – State Farm Mutual

$1,493 – Erie

Howard County

$941 – Progressive Select

$1,206 – IDS Property Casualty

$1,203 – Horace Mann

$1,256 – Geico Casualty

$1,258 – Cumberland Insurance

$1,429 – USAA

$1,474 – Amica Mutual

$1,575 – Nationwide

$1,702 – Encompass

$1,735 – CSAA General

Carroll County

$917 – Progressive Select

$1,187 – Horace Mann

$1,204 – Geico Casualty

$1,221 – Cumberland Insurance

$1,324 – Nationwide

$1,408 – USAA

$1,461 – USAA Casualty

$1,488 – Emcompass

$1,601 – State Farm

$1,710 – Teachers Insurance

Wicomico County

$756 – Progressive Select

$970 – Geico

$1,032 – Horace Mann

$1,097 – Cumberland

$1,148 – Nationwide

$1,189 – Progressive Specialty

$1,176 – IDS Property Casualty

$1,201 – Root Insurance

$1,301 – USAA

$1,418 – State Farm

Kent County

$783 – Progressive Select

$962 – Geico

$1,051 – Progressive Specialty

$1,128 – Cumberland

$1,187 – USAA

$1,414 – American National Property And Casualty

$1,395 – Brethren Mutual

$1,427 – Erie

$1,459 – Encompass

$1,462 – Amica Mutual

Unmarried 30-year-old female. Drives 2016 Nissan Altima to work and approximately 15,000 miles per year. No moving violations within the last 36 months. Liability and UM limits are $100,000/$300,000/$100,000 with $2,500 Personal Injury Protection (PIP). Collision and comprehensive deductibles are $500 and $250.

Calvert County

$672 – Progressive Select

$947 – Root Insurance

$983 – Progressive Specialty

$1,021 – USAA

$1,041 – USAA Casualty

$1,118 – IDS Property And Casualty

$1,171 – Geico Casualty

$1,173 – Encompass

$1,252 – Nationwide Property And Casualty

$1,257 – Mutual Benefit

Washington County

$661 – Progressive Select

$777 – Encompass

$818 – Horace Mann

$873 – Progressive Specialty

$904 – Erie

$965 – USAA

$981 – USAA Casualty

$983 – Root Insurance

$990 – Cumberland

$4,543 – Maryland Auto Insurance Fund

Anne Arundel County

$716 – Progressive Select

$957 – Progressive Specialty

$970 – Root Insurance

$1,024 – USAA

$1,087 – USAA Casualty

$1,116 – Encompass

$1,160 – Geico Casualty

$1,182 – Erie

$1,217 – Selective Insurance Company

$1,261 – Cincinnati

Cecil County

$729 – Progressive Select

$1,052 – American National

$1,073 – Cumberland

$1,075 – Root Insurance

$1,130 – Erie

$1,182 – USAA Casualty

$1,257 – Geico Casualty

$1,310 – Old Dominion

$1,325 – Penn National

$1,340 – IDS Property Casualty

Caroline County

$727 – Progressive Select

$812 – Horace Mann

$876 – USAA

$886 – American National Property Casualty

$974 – Cumberland

$985 – Erie

$987 – Geico

$1,119 – Encompass

$1,387 – Travelers

$1,630 – Farmers

Somerset County

$797 – Progressive Select

$812 – Horace Mann

$914 – American National Property Casualty

$985 – Erie

$1,001 – USAA

$1,011 – Root Insurance

$1,119 – Encompass

$1,812 – Donegal Mutual

$1,207 – Nationwide

$3,411 – Elephant

Unmarried 40-year-old male. Drives 2015 Nissan Sentra to work and approximately 15,000 miles per year. No moving violations within the last 36 months. Liability and UM limits are $100,000/$300,000/$100,000 with $2,500 Personal Injury Protection (PIP). Collision and comprehensive deductibles are $500 and $250.

St. Mary’s County

$1,029 – Progressive Select

$1,076 – IDS Property Casualty

$1,107 – Horace Mann

$1,153 – Cincinnati

$1,159 – Geico Casualty

$1,214 – USAA

$1,339 – Cumberland

$1,356 – USAA Casualty

$1,381 – Root Insurance

$1,390 – Erie

Charles County

$1,141 – Cincinnati

$1,364 – IDS Property Casualty

$1,372 – Cumberland

$1,393 – USAA

$1,525 – Geico Casualty

$1,574 – USAA Casualty

$1,826 – Progressive Specialty

$1,867 – State Farm

$1,944 – American National

$1,948 – Nationwide

Harford County

$1,091 – Progressive Select

$1,175 – Horace Mann

$1,191 – Cincinnati

$1,226 – Cumberland

$1,228 – IDS Property Casualty

$1,249 – USAA

$1,371 – Geico Casualty

$1,553 – Root Insurance

$1,571 – Erie

$1,608 – Nationwide

Baltimore County

$1,416 – Horace Mann

$1,567 – Cincinnati

$1,691 – USAA

$1,714 – Geico Casualty

$1,714 – IDS Property Casualty

$1,878 – Root Insurance

$1,968 – Erie

$2,097 – State Farm

$2,226 – Teachers Insurance

$2,490 – Mutual Benefit

Talbot County

$811 – Progressive Select

$984 – IDS Property Casualty

$1,023 – Cincinnati

$1,059 – Geico

$1,087 – USAA

$1,175 – State Farm

$1,208 – USAA Casualty

$1,316 – Erie

$1,356 – American National

$1,661 – Integon

Worcester County

$949 – Horace Mann

$845 – Progressive Select

$1,022 – IDS Property Casualty

$1,046 – Cincinnati

$1,065 – Geico Casualty

$1,097 – Cumberland

$1,106 – Progressive Specialty

$1,203 – USAA Casualty

$1,316 – Erie

$1,730 – Amica Mutual

Unmarried 40-year-old female. Drives 2016 Toyota Prius to work and approximately 15,000 miles per year. No moving violations within the last 36 months. Liability and UM limits are $100,000/$300,000/$100,000 with $2,500 Personal Injury Protection (PIP). Collision and comprehensive deductibles are $500 and $250.

Garrett County

$710 – Progressive Select

$749 – Horace Mann

$810 – American National

$814 – USAA

$823 – Cumberland

$846 – Encompass

$898 – State Farm Mutual

$908 – Erie

$940 – USAA Casualty

$956 – Cincinnati Insurance

Montgomery County

$713 – Progressive Select

$773 – Horace Mann

$824 – Geico Casualty

$921 – Cumberland

$942 – USAA

$956 – IDS Property Casualty

$962 – American National Property And Casualty

$995 – Progressive Specialty

$1,045 – Cincinnati

$1,141 – Mutual Benefit

Frederick County

$679 – Progressive Select

$824 – Cumberland

$861 – USAA

$864 – State Farm

$866 – IDS Property Casualty

$917 – Cincinnati

$919 – Erie

$929 – USAA Casualty

$976 – Brethren Mutual

$1,060 – Encompass

Cecil County

$714 – Progressive Select

$962 – USAA

$1,020 – Old Dominion

$1,061 – USAA Casualty

$1,101 – Root Insurance

$1,127 – Cincinnati

$1,152 – Mutual Benefit

$1,162 – Penn National

$1,198 – Nationwide

$1,199 – State Farm

Kent County

$653 – Progressive Select

$793 – USAA

$806 – Cumberland

$828 – Geico Casualty

$836 – American National Property And Casualty

$853 – State Farm

$860 – IDS Property Casualty

$943 – Cincinnati

$953 – Erie

$1,339 – Farmers

Queen Anne’s County

$647 – Progressive Select

$710 – Horace Mann

$806 – Cumberland

$830 – USAA

$828 – Geico Casualty

$851 – USAA Casualty

$958 – State Farm

$992 – CSAA General

$1,005 – Nationwide

$1,478 – Metropolitan Group

Unmarried 50-year-old male. Drives 2017 Ford F-250 to work and approximately 25,000 miles per year and 2012 Honda CR-V approximately 3,000 miles per year. No moving violations within the last 36 months. Liability and UM limits are $100,000/$300,000/$100,000 with $2,500 Personal Injury Protection (PIP). Collision and comprehensive deductibles are $500 and $250.

Allegany County

$891 – Progressive Select

$948 – Cumberland

$1,057 – CSAA General

$1,062 – American National Property And Casualty

$1,120 – Progressive Specialty

$1,197 – Erie

$1,260 – Old Dominion

$1,271 – Penn National

$1,294 – USAA

$1,332 – Travelers

Washington County

$817 – Privilege Underwriters

$916 – Progressive Select

$1,072 – American National Property And Casualty

$1,077 – CSAA General

$1,143 – Erie

$1,204 – Old Dominion

$1,210 – Mutual Benefit

$1,291 – Selective Insurance Co. Of SC

$1,371 – Geico Casualty

$1,380 – Meridian Security

Anne Arundel County

$980 – Progressive Select

$1,137 – CSAA General

$1,240 – American National Property And Casualty

$1,256 – Progressive Specialty

$1,276 – Selective Insurance

$1,321 – Brethren Mutual

$1,336 – Cincinnati

$1,337 – Horace Mann

$1,416 – Mutual Benefit

$1,618 – Penn National

Carroll County

$1,003 – Cumberland

$1,060 – CSAA General

$1,071 – Progressive Select

$1,195 – Selective Insurance

$1,230 – American National Property And Casualty

$1,294 – Mutual Benefit

$1,346 – Cincinnati

$1,470 – Erie

$1,479 – USAA Casualty

$1,619 – Geico Casualty

Caroline County

$934 – Cumberland

$1,008 – Progressive Select

$1,055 – Progressive Specialty

$1,090 – American National Property And Casualty

$1,194 – CSAA General

$1,210 – Horace Mann

$1,216 – Mutual Benefit

$1,254 – Erie

$1,320 – USAA

$1,528 – Travelers

Somerset County

$911 – Cumberland

$1,108 – Progressive Select

$1,118 – American National Property And Casualty

$1,210 – Horace Mann

$1,216 – Mutual Benefit

$1,247 – CSAA General

$1,254 – Erie

$1,353 – Geico

$1,676 – Travelers

$1,948 – Esurance

Unmarried 50-year-old female. Drives 2014 Hyundai Elantra to work and approximately 20,000 miles per year. No moving violations within the last 36 months. Liability and UM limits are $100,000/$300,000/$100,000 with $2,500 Personal Injury Protection (PIP). Collision and comprehensive deductibles are $500 and $250.

Saint Mary’s County

$1,028 – Geico Casualty

$1,132 – IDS Property Casualty

$1,148 – Progressive Select

$1,180 – Horace Mann

$1,272 – USAA Casualty

$1,356 – Cumberland

$1,391 – Mutual Benefit

$1,450 – Root Insurance

$1,460 – USAA General Indemnity

$1,542 – Nationwide

Charles County

$1,200 – Progressive Select

$1,359 – USAA

$1,368 – Geico Casualty

$1,423 – Horace Mann

$1,479 – USAA Casualty

$1,560 – Amica Mutual

$1,606 – Cincinnati

$1,633 – Root Insurance

$1,689 – USAA General Indemnity

$1,724 – Mutual Benefit

Frederick County

$1,010 – Progressive Select

$1,028 – Horace Mann

$1,076 – IDS Property Casualty

$1,117 – USAA

$1,199 – USAA Casualty

$1,208 – Mutual Benefit

$1,319 – Amica Mutual

$1,398 – State Farm

$1,408 – Nationwide

$1,488 – Erie

Baltimore County

$1,423 – Progressive Select

$1,534 – Horace Mann

$1,557 – Geico Casualty

$1,634 – USAA

$1,795 – USAA Casualty

$1,797 – Amica Mutual

$1,824 – IDS Property Casualty

$2,221 – Erie

$2,407 – Nationwide

$2,684 – AIG

Dorchester County

$945 – Progressive Select

$954 – Geico

$1,006 – Horace Mann

$1,101 – USAA

$1,139 – Cumberland

$1,175 – USAA Casualty

$1,192 – IDS Property Casualty

$1,253 – Mutual Benefit

$1,355 – Amica Mutual

$1,735 – American States

Wicomico County

$954 – Geico

$954 – Progressive Select

$1,006 – Horace Mann

$1,109 – Cumberland

$1,122 – USAA

$1,202 – USAA Casualty

$1,429 – Nationwide

$1,558 – Penn National

$1,594 – State Farm

$1,596 – Meridian Security

Unmarried 65-year-old male. Drives 2012 Ford Escape approximately 5,000 miles per year. No moving violations within the last 36 months. Liability and UM limits are $100,000/$300,000/$100,000 with $2,500 Personal Injury Protection (PIP). Collision and comprehensive deductibles are $500 and $250.

Calvert County

$532 – Cumberland

$533 – Progressive Select

$562 – American National Property And Casualty

$584 – Brethren Mutual

$606 – Mutual Benefit

$617 – USAA Casualty

$634 – USAA

$640 – Horace Mann

$658 – Root Insurance

$671 – Erie

St. Mary’s County

$532 – Cumberland

$534 – American National Property And Casualty

$547 – Brethren Mutual

$600 – Geico Casualty

$606 – Mutual Benefit

$616 – Progressive Select

$626 – USAA

$640 – Horace Mann

$651 – USAA Casualty

$666 – IDS Property Casualty

Anne Arundel County

$525 – Brethren Mutual

$562 – American National Property Casualty

$588 – Progressive Select

$605 – Cumberland

$650 – USAA

$660 – USAA Casualty

$673 – Mutual Benefit

$680 – Geico Casualty

$680 – IDS Property Casualty

$775 – Erie

Frederick County

$482 – American National Property And Casualty

$527 – AIG Property Casualty

$544 – Mutual Benefit

$566 – Progressive Select

$569 – Atlantic States

$569 – Geico Casualty

$605 – USAA

$610 – Erie

$628 – IDS Property Casualty

$632 – Cincinnati

Talbot County

$448 – Cumberland

$456 – Brethren Mutual

$462 – American National Property And Casualty

$501 – Progressive Select

$545 – Geico

$567 – Mutual Benefit

$571 – USAA

$602 – State Farm

$700 – Metropolitan Direct

$1,024 – Hartford

Worcester County

$434 – Cumberland

$519 – Progressive Select

$538 – Mutual Benefit

$552 – Horace Mann

$559 – Geico

$563 – Atlantic States

$580 – USAA

$618 – IDS Property Casualty

$637 – Erie

$911 – Teachers Insurance

Unmarried 65-year-old Female. Drives 2017 Toyota Camry approximately 5,000 miles per year. No moving violations within the last 36 months. Liability and UM limits are $100,000/$300,000/$100,000 with $2,500 Personal Injury Protection (PIP). Collision and comprehensive deductibles are $500 and $250.

Washington County

$738 – American National Property And Casualty

$745 – Encompass

$765 – Progressive Select

$779 – Geico Casualty

$794 – Erie

$802 – Horace Mann

$828 – AIG Property Casualty

$841 – Root Insurance

$853 – USAA Casualty

$871 – USAA

Garrett County

$742 – American National Property And Casualty

$812 – Encompass

$816 – USAA

$819 – Progressive Select

$833 – Erie

$844 – Horace Mann

$848 – Geico Casualty

$909 – Root Insurance

$913 – USAA Casualty

$1,148 – Hartford Casualty

Cecil County

$837 – Progressive Select

$912 – American National Property And Casualty

$924 – Root Insurance

$949 – Brethren Mutual

$963 – USAA

$976 – Geico Casualty

$993 – Erie

$1,002 – Horace Mann

$1,192 – Old Dominion

$1,252 – Penn National

Carroll County

$849 – Brethren Mutual

$890 – American National Property And Casualty

$908 – Progressive Select

$910 – USAA Casualty

$913 – Horace Mann

$936 – Geico Casualty

$940 – USAA

$1,013 – Erie

$1,054 – Atlantic States

$1,084 – Encompass

Kent County

$752 – Progressive Select

$757 – Geico

$770 – American National Property And Casualty

$789 – USAA

$821 – Root Insurance

$854 – USAA Casualty

$862 – IDS Property Casualty

$865 – Erie

$1,081 – Penn National

$1,323 – Teachers Insurance

Queen Anne’s County

$750 – Root Insurance

$754 – American National Property And Casualty

$754 – Progressive Select

$757 – Geico

$828 – USAA

$865 – Erie

$1,003 – Atlantic States

$1,035 – Cumberland

$1,197 – CSAA General

$1,694 – Allstate

Married 29-year-old male and female. Drives 2011 Chevrolet Silverado 1500 and 2014 Dodge Grand Caravan approximately 15,000 and 5,000 miles per year. No moving violations within the last 36 months. Liability and UM limits are $30,000/$60,000/$15,000 with $2,500 Personal Injury Protection (PIP). Collision and comprehensive deductibles are $500 and $250.

Allegany County

$1,388 – Cincinnati

$1,398 – Progressive Select

$1,535 – Geico Casualty

$1,548 – Progressive Specialty

$1,594 – American National Property And Casualty

$1,714 – USAA

$1,724 – IDS Property Casualty

$1,799 – Mutual Benefit

$1,836 – Garrison Property And Casualty

$1,898 – Meridian Security

Montgomery County

$1,345 – AIG

$1,392 – Geico Casualty

$1,490 – Cincinnati

$1,608 – Progressive Select

$1,663 – Root Insurance

$1,778 – Progressive Specialty

$2,061 – USAA

$2,151 – Garrison

$2,561 – Amica Mutual

$2,800 – Metropolitan Group

Frederick County

$904 – AIG Property Casualty

$1,278 – Cincinnati

$1,383 – Geico Casualty

$1,538 – Progressive Select

$1,610 – IDS Property Casualty

$1,626 – Root Insurance

$1,662 – Progressive Specialty

$1,678 – American National

$1,888 – USAA

$1,963 – State Farm

Anne Arundel County

$1,412 – Cincinnati

$1,587 – Progressive Select

$1,600 – Root Insurance

$1,618 – Geico Casualty

$1,657 – AIG Property Casualty

$1,718 – IDS Property Casualty

$1,753 – Progressive Specialty

$2,023 – USAA

$2,196 – USAA Casualty

$3,823 – Farmers

Talbot County

$1,322 – Cincinnati

$1,349 – Progressive Select

$1,372 – Geico

$1,570 – IDS Property Casualty

$1,744 – Integon

$1,823 – Horace Mann

$1,826 – USAA

$1,854 – State Farm

$2,022 – Mutual Benefit

$2,059 – Erie

Somerset County

$1,381 – Geico

$1,413 – Cincinnati

$1,662 – AIG Property Casualty

$1,677 – Root Insurance

$1,682 – Progressive Select

$1,842 – Meridian Security

$1,878 – IDS Property Casualty

$1,976 – Mutual Benefit

$1,993 – USAA

$2,430 – Metropolitan Direct

Married 35-year-old male and 32-year-old female. Drives 2010 Dodge Dakota Crew Cab and 2017 Nissan Rogue approximately 35,000 and 15,000 miles per year. No moving violations within the last 36 months. Liability and UM limits are $250,000/$500,000/$100,000 with $2,500 Personal Injury Protection (PIP). Collision and comprehensive deductibles are $500 and $250.

Charles County

$1,030 – Progressive Select

$1,145 – Root Insurance

$1,403 – Horace Mann

$1,464 – CSAA Insurance

$1,513 – Mutual Benefit

$1,588 – Old Dominion

$1,658 – Cincinnati

$1,670 – American Property And Casualty

$1,832 – IDS Property Casualty

$1,991 – USAA

Prince George’s County

$1,254 – Progressive Select

$1,525 – Root Insurance

$1,544 – Horace Mann

$1,702 – CSAA

$1,901 – Progressive Specialty

$2,192 – AIG

$2,207 – Mutual Benefit

$2,242 – Old Dominion

$2,342 – Geico Casualty

$2,456 – Esurance

Howard County

$1,029 – Progressive Select

$1,193 – Horace Mann

$1,223 – CSAA General

$1,307 – Root Insurance

$1,460 – American National

$1,470 – Old Dominion

$1,552 – IDS Property Casualty

$1,644 – Cincinnati

$1,716 – National General

$1,730 – Cumberland

Harford County

$1,059 – Progressive Select

$1,139 – Root Insurance

$1,208 – CSAA General

$1,253 – Horace Mann

$1,380 – Progressive Specialty

$1,553 – Mutual Benefit

$1,650 – IDS Property Casualty

$1,694 – Cincinnati

$1,779 – Erie

$1,930 – Metropolitan Group

Caroline County

$835 – Progressive Select

$1,018 – Root Insurance

$1,035 – Horace Mann

$1,171 – CSAA General

$1,174 – Old Dominion

$1,315 – Integon

$1,359 – Mutual Benefit

$1,416 – IDS Property Casualty

$1,448 – Geico

$1,528 – Esurance

Worcester County

$760 – Progressive Select

$1,035 – Horace Mann

$1,036 – Root Insurance

$1,066 – CSAA General

$1,228 – Old Dominion

$1,348 – Mutual Benefit

$1,462 – Geico

$1,596 – Erie

$1,622 – State Farm

$1,624 – Travelers

Married 50-year-old male and female. Drives 2017 Toyota Avalon and 2008 Toyota Camry approximately 35,000 and 5,000 miles per year. No moving violations within the last 36 months. Liability and UM limits are $100,000/$300,000/$100,000 with $2,500 Personal Injury Protection (PIP). Collision and comprehensive deductibles are $500 and $250.

Washington County

$1,174 – Erie

$1,210 – Progressive Select

$1,274 – American National Property And Casualty

$1,391 – Progressive Specialty

$1,536 – Horace Mann

$1,629 – USAA Casualty

$1,648 – Pharmacists Mutual

$1,667 – Meridian Security

$1,668 – USAA

$1,797 – Mutual Benefit

Garrett County

$1,224 – Erie

$1,290 – American National Property And Casualty

$1,327 – Progressive Select

$1,494 – Progressive Specialty

$1,563 – USAA

$1,622 – Horace Mann

$1,651 – Cumberland

$1,666 – USAA General Indemnity

$1,667 – Root Insurance

$1,789 – State Farm

Cecil County

$1,329 – Progressive Select

$1,479 – Erie

$1,530 – American National Property And Casualty

$1,665 – Root Insurance

$1,671 – Progressive Specialty

$1,807 – Cumberland

$1,847 – USAA

$1,935 – USAA General Indemnity

$1,958 – USAA Casualty

$2,070 – Old Dominion

Anne Arundel County

$1,321 – Progressive Select

$1,510 – American National Property And Casualty

$1,522 – Progressive Specialty

$1,522 – Root Insurance

$1,558 – Erie

$1,732 – Horace Mann

$1,772 – USAA

$1,774 – USAA General Indemnity

$2,103 – Geico Casualty

$2,296 – Nationwide

Wicomico County

$1,019 – Progressive Select

$1,500 – American National Property And Casualty

$1,610 – Root Insurance

$1,632 – USAA

$1,681 – Erie

$1,784 – Meridian Security

$1,799 – Geico

$1,912 – State Farm

$2,038 – Amica

$2,110 – Nationwide

Kent County

$1,053 – Progressive Select

$1,475 – USAA

$1,621 – Integon

$1,643 – Cumberland

$1,680 – State Farm

$1,681 – Erie

$1,769 – Geico

$1,805 – Mutual Benefit

$1,921 – Penn National

$2,090 – Unitrin

Married 65-year-old male and female. Drives 2015 Jeep Grand Cherokee and 2016 Lexus approximately 20,000 and 5,000 miles per year. No moving violations within the last 36 months. Liability and UM limits are $250,000/$500,000/$100,000 with $2,500 Personal Injury Protection (PIP). Collision and comprehensive deductibles are $500 and $250.

Calvert County

$955 – Progressive Select

$1,268 – American Property And Casualty

$1,300 – Erie

$1,311 – Root Insurance

$1,320 – CSAA General

$1,350 – Cumberland Insurance

$1,350 – Horace Mann

$1,383 – Mutual Benefit

$1,681 – Cincinnati

$1,700 – IDS Property Casualty

Montgomery County

$1,031 – Progressive Select

$1,212 – American National Property And Casualty

$1,277 – Horace Mann

$1,321 – Cumberland Insurance

$1,338 – CSAA General

$1,395 – Mutual Benefit

$1,421 – Root Insurance

$1,502 – Erie

$1,674 – AIG Property Casualty

$1,978 – Travelers

Carroll County

$1,066 – CSAA General

$1,129 – Progressive Select

$1,218 – American National Property And Casualty

$1,233 – Cumberland

$1,321 – Mutual Benefit

$1,442 – Erie

$1,445 – Root Insurance

$1,588 – Cincinnati

$1,692 – IDS Property Casualty

$1,882 – Geico Casualty

Baltimore County

$1,352 – Progressive Select

$1,602 – American National Property And Casualty

$1,702 – Horace Mann

$1,775 – Erie

$1,869 – CSAA General

$1,874 – Root Insurance

$1,990 – Brethren Mutual

$2,233 – Penn National

$2,372 – USAA

$2,521 – USAA Casualty

Talbot County

$825 – Progressive Select

$1,082 – CSAA General

$1,147 – Brethren Mutual

$1,172 – Horace Mann

$1,164 – Cumberland

$1,268 – Mutual Benefit

$1,309 – Erie

$1,514 – Geico

$1,551 – State Farm

$1,641 – Travelers

Somerset County

$1,031 – Progressive Select

$1,136 – Cumberland

$1,172 – Horace Mann

$1,186 – American National

$1,200 – CSAA General

$1,246 – Mutual Benefit

$1,309 – Erie

$1,554 – Cincinnati

$1,647 – USAA

$1,892 – Metropolitan Direct

The Department of Insurance provides a Maryland Comparison of Auto Insurance Rates for consumers.

Maryland Teenage Driving Rules And Insurance Requirements

Keeping Maryland’s teenagers safe while driving is a priority. Crash rates are at their peak during a young driver’s initial several years behind the wheel. The State Graduated License System is administered by the MD Motor Vehicle Administration and is designed to allow newly-licensed drivers to gain more experience before taking the wheel themselves. Ultimately, it can save both lives and money by imposing stricter sanctions than many other states. During a teen’s initial months of operating a vehicle, crash rates are the highest, so comprehensive training is critical.

The MD Rookie Driver program is designed to help potential drivers that are not (and never have been) licensed. Although the vast majority of participants are under the age of 18, there is no age prerequisite. The concept is simple – Encourage help and supervision by more experienced persons, and educate and train through three levels of licensing (instead of one or two). Often, persons new to the area, legal immigrants, and licensed drivers wanting to refresh their skills, will enroll in these types of programs.

This program applies to all persons applying for a license and is part of the graduating licensing system (GLS). The levels of completion are a learner’s permit, provisional license, and full driver’s license. After the learner’s instructional permit is obtained, a manual is provided along with an online tutorial and knowledge test. A rookie driver practice guide is available once the permit is obtained. When a provisional license is obtained, some restrictions still apply. Once all requirements are fulfilled, proof of conversion to a full license is provided by mail.

RoadReady Supervised Practice Driving App

The “RoadReady Supervised Practice Driving App” helps new drivers prepare for their initial driving experiences. The free app can be downloaded to assist tracking driving time with a quick click of a button. The app is available for iOS from the iTunes Store and Android from Google Play. The app features the following services:

Time-tracking

Monitor teen’s progress

View areas of improvement

View driving statistics

Receive pointers from parents

Learn about safe driving

Understand goals

View summary reports of driving

Track different driving conditions

Keep driving log

Teen crashes unnecessarily take lives, and can often be prevented. Several of the most common-occurring traits include driving too fast, consuming alcohol before or while driving, single-vehicle accident involvement, driving in the evening, not using a seat belt, driving through stop signs or red lights, driver error, and additional teenagers also as passengers. Crash rates for new drivers are 10 times higher than adults, so proper training is critical. Immaturity and inexperience are major factors that lead to highway incidents.

Typically, more males than females are involved in these types of accidents. The 18-20 age group has the highest crash percentage, and Baltimore County leads the state in vehicular accidents. Montgomery and Prince George Counties had the next highest reported related crashes. Fridays and Saturdays are the most common days for these types of incidents. Tuesdays and Wednesdays are often the safest days to drive.

Additional young driver safety resources include Driver-Zed program, AAA Keys2Drive, Center For Injury Research And Prevention, Driving Skills For Life, and Governor’s Highway Safety Office.

Get Your Learner’s Permit

If you’re at least 15 years and 9 months old, you’re on your way to obtaining a permit. A School Attendance Certificate form must be provided and signed by a parent. The form can be found here. Of course, you must reside in Maryland and show proper identification along with passing a written and vision exam. A current manual will be provided that will be needed for the written exam. The sample exam consists of only five questions and takes less than two minutes to complete. About half of first-time applicants fail the exam, so reviewing the online test tutorial is recommended.

The free test tutorial can be very helpful since about half of all applicants fail to pass the first attempted exam. Several sample questions (multiple choice) are below:

You are car A and the traffic in front of you has stopped. You should…

When a law enforcement officer signals you to pull over, you should…

When driving in fog, it is best to drive with…

When sharing the road with large trucks, other drivers should…

In work zones, you should…

A flashing yellow light at an intersection means you should…

The maximum posted speed limit should be driven only…

Double solid yellow lane markings mean that…

20 minutes is provided to successfully pass the actual knowledge test, and a minimum score of 88% correct is required. Several topics are included, with a total of 25 questions for each section. Topics reviewed include proper stopping distances, meaning of road signs, how to proceed at a railroad crossing, stooping for school buses, hydroplaning and skidding, merging into traffic, construction zones, and funeral processions.

Some of the topics required to know include licensing requirements, signals, signs and pavement markings, and coping with different road conditions. A sample exam is also available online that will help determine your level of preparation needed to pass the test. AAA provided the exam link and questions. NOTE: If you have not yet reached age 16, form DL-300 is required (Learner’s Permit School Attendance Certification).

During the practicing stage, an adult (must be 21 years or older) must be sitting in the front seat with no other occupants. Documenting and discussing practice sessions is highly recommended and helps the new driver understand unfamiliar situations that may have arisen. A 3-hour alcohol and drug education program is offered by several providers and can be very helpful to novice drivers. Underage drinking is a countrywide problem in all states.

Under Age 18?

If under the age of 18, cell phone use is prohibited! If you use a cellphone or other wireless product, a suspension could be implemented. The permit is effective for nine months and there must be no violations or at-fault accidents during that time. And of course, liability insurance that meets the minimum state requirements must be in effect at all times. If a policy ;apses, reinstatement could be extremely expensive.

Tip: There are many car insurance companies in Maryland that offer affordable prices for teens. Our guide may help you find the best options. You can view our most recent analysis here. Naturally, there are many different policies, depending on your driving record, the type of car you own and other factors.

Proof of residency, age and social security number will be required during the registration phase. Documents must be original and readable. A faxed or copied document can not take the place of the original. Also, there can be no alterations or it will be rejected and a duplicate will be requested.

Texting While Driving In Maryland Is Forbidden

Once the learner’s permit is issued, it is valid for two years, so there is ample time to practice driving (supervised, of course!) and thoroughly understand rules of the road. The minimum amount of time the permit must be held is nine months and there can be no moving violations during this time. However, if you are 25 years old (or older), your period of time is 45 days, assuming all requirements have been met.

Get A Provisional License

Getting a provisional license is the second step in the three-step process. Some of the requirements include being at least 16 1/2 years old, completing an approved driver-education course (and making sure it is electronically submitted) and completing 60 hours of supervised driving. A special log must be provided that documents times and details. Supervised operation of the vehicle is not required, but using a cell phone (including hands-free devices) is not permitted, and no passengers may be in the vehicle.

A provisional licensee that has not reached their 18th birthday is also not able to drive past midnight, unless a passenger is over age 20 and has been driving for at least three years. Some of the most common exceptions include driving to or from work, participating in an approved volunteer program, an athletic event that requires participation (not observing!), and a class or event that is school-approved.

Also, passengers must be over the age of 17 at all times, unless they are a member of the family or there is an adult present in the vehicle. Although many of these rules and laws are restrictive, by delaying the full-licensing, MD highways become a little bit more safer. Note: Baltimore County usually has the most accidents involving younger drivers. Montgomery, Anne Arundel, and Prince George Counties also rank high. Saturdays and Fridays are the most accident-filled days.

During this time, if an operator receives probation or a conviction, the 18-month process starts over, as all driving skills and law tests will have to be taken again. Attending a “driver improvement program” will also be required. Additional violations will result in a license suspension. After four violations, the license will be revoked. Violation of an alcohol restriction will result in mandatory participation in the ignition interlock program. If the driver declines, an immediate six-month license suspension will result.

Finally! Get Your Full License!

Assuming your learner’s permit did not expire, (if it did, you have to pay fees again and start the process over) you’re ready to obtain full 2023 driving privileges. This assumes you had the provisional license for at least 18 months with no violations. If the applicant is under age 21, then no alcohol-related incidences must have occurred. If all other requirements have been fulfilled, the a full license is issued. Hooray! Cell phone and texting laws should also be reviewed.

Restrictions on night-driving and passenger-requirements are removed, although a parent or guardian should always set some “ground rules.” For example, limitations on the number of passengers in the vehicle or length of travel distance are two common ideas. Also, it is possible for the parent or guardian to revoke the license of any person under age 18, if written consent is provided.

Correspondence is sent through the mail and once the renewal charge is paid, the certificate is issued. One of the most important items to remember is regarding the insurance on the vehicle. The minimum requirements must be met (bodily injury per person/accident and property damage). Otherwise, a severe fine and/or suspension could result. A leased or financed vehicle may require higher limits and collision and comprehensive coverage. Current required bodily injury limits are $20,000 per person and $40,000 per occurrence, along with an additional $20,000 of property damage. It is not recommended to immediately purchase and title a vehicle in the new driver’s name.

Some Important Tips

You’re behind the wheel and it’s just you in the vehicle. It’s a huge responsibility you owe to yourself, and just as importantly, others on the road. Although a “good student” discount reduces insurance rates, acting responsibly (which means no texting or talking while driving) must be clearly understood. It’s an exciting time, but also a time to be cautious and extremely cognizant of other vehicles. Distractions must be minimized, and road conditions must always be considered.

Motorcycle Safety Programs Are Available

We also recommend taking one of several optional education programs that are available throughout the year. The Motor Vehicle Administration does not formally specifically suggest using specific providers, although they do establish some of the regulations that govern the companies that offer these classes. Some of the available programs include:

Driver Improvement

Motorcycle Safety

Alcohol And Drug Education

Wellness And Safety

Rookie Driver And Education

Fees and costs, locations, dates of course offerings, and prior materials needed will vary, depending on the program. Additional details are available by contacting us or the Motor Vehicle Administration.

Impact Of Young Drivers On Your MD Car Insurance Policy

Also, as we have discussed in several other pages on this website, the state minimum liability requirements must always be met. Currently at $20,000 per person, $40,000 per accident and $15,000 of property damage, when someone under age 21 is present in the household, it’s very important to raise these coverages. Recommended limits are at least $50,000/$100,000/$50,000. Leased vehicles typically require higher limits.

Although your rates increase because of adding a youthful risk, many companies gradually reduce the cost, as the number of years of driving experience increases. Break points usually occur at three and five years, so by the time they have graduated college, two cost reductions will have been applied. And of course, good grades always make a big difference. An additional discount is generally applied if a policyholder is under age 30 and gets married.

Safety Programs

There are numerous safety programs for young Maryland drivers offered by the Motor Vehicle Administration. We urge parents to utilize these free Maryland programs to help educate their new young drivers in the household. Some of the most popular topics include Bicycle Safety, Regional Traffic Safety, Distracted Driving, Aggressive Drivers and Kids, The School Bus And You. Many defensive-driving courses are offered through local companies. Several available Driving School providers include: Allsafe, EZ, Easy Method, A Widmyer, Uncle Sam, B & E, and AAA Mid-Atlantic.

Motorcycle owners can choose between a Basic or Alternative Rider course. Although completely voluntary, for persons under age 18, it is mandatory. There are about 20 training centers located throughout the state. New and veteran riders will find the course to be very helpful. Special skills and unique mental strategies are taught to drivers to help them operate more safely. Currently, 9 out of 10 riders that were involved in accidents, were not formally trained. More than 100,000 riders have participated in these types of programs. It is important to be properly trained, licensed, and to be familiar with the cycle you are driving.

Helmets should always be worn. Substantial injuries (and medical expenses) can be saved with the helmet properly fastened. Vehicle drivers should also be aware of cyclists, and also must yield the right of way when turning left in an intersection. Extra space should be given, especially in rainy, snowy, or windy conditions. Occasionally, packs of motorcycles may be participating in an organized event, and extra caution should be used. Note: Drivers are likely to be at fault when involved in a crash with a motorcycle.

MD Teen Safe Driving Coalition

The Maryland Teen Safe Driving Coalition is a collection of dedicated professionals in the law-enforcement, traffic, and medical professions, along with teenagers and parents that are concerned with reducing the number of young deaths from traffic incidents. Vehicle crashes are the leading cause of deaths to teens, and the Coalition works to improve roadway safety and driving techniques.

Supporters and partners include State Farm Insurance, Maryland Department of Transportation State Highway Administration, AAA, Mothers Against Drunk Driving, Students Against Drunk Driving, National Transportation Safety Board, and the Maryland Motor Vehicle Administration.

Additional News

Town And Country Driving School, who for many years helped residents of the state complete their on-road requirements, has shut down. However, their documents and records are currently being uploaded to the Motor Vehicle Administration. If you were in the middle of completing a course but were not able to finish, you can contact (410) 787-7769 for assistance regarding finishing the program.

If you have lost money, or have not received an expected refund, a surety bond claim form can be completed and forwarded to the underwriting company. Often, within 4-10 weeks, a reimbursement is received. Meanwhile, drivers can complete their testing at another licensed school. Your existing records from the Town And Country Driving School can be used and you will only have to complete the remaining requirements.