Maryland Car Insurance

FREE Car Insurance Comparison

 Secured with SHA-256 Encryption

Compare quotes from the top car insurance companies and save!

Key takeaways...
  • It is illegal to drive without car insurance in Maryland and drivers can face high fines, vehicle registration/drivers license suspension and/or even possible jail time
  • No-fault car insurance laws greatly reduce expensive litigation and help to lower car insurance rates
  • The MAIF provides car insurance to residents who have been denied car insurance coverage by at least 2 auto insurance companies or have had coverage canceled by at least one

All vehicles registered in Maryland must have car insurance coverage that meets at least the minimum car insurance requirements set by Maryland Motor Vehicle Laws.

All car insurance policies must be obtained from car insurance companies duly licensed to do business in Maryland or from an authorized agent of a licensed Maryland car insurance company.

It is illegal to drive without car insurance in Maryland and drivers can face high fines, vehicle registration/drivers license suspension and/or even possible jail time.

In terms of car insurance availability, a wide number of insurance companies are licensed to provide auto insurance policies in Maryland so drivers should have no problem getting a fair number of car insurance quotes to compare.

Need Maryland car insurance? Get FREE Maryland car insurance quotes here.

Maryland Car Insurance Requirements

adobestock_62445878-1600x1600-3

Maryland is one of the few states where no-fault car insurance laws are in place. For drivers moving to Maryland its important to understand what no-fault car insurance laws mean. No fault car insurance laws help avoid the question of “who is at fault” in the event of an accident.

For example, if you hit a vehicle then no matter who is at fault your car insurance company will pay damages to your vehicle and damages to the other party will be paid by their auto insurance company.

No-fault car insurance laws greatly reduce expensive litigation and help to lower car insurance rates.

In all, no-fault car insurance states drivers are also required to carry personal injury protection insurance in addition to other state insurance requirements such as bodily injury liability.

PIP is the common acronym for personal injury protection coverage and provides coverage for emergency medical expenses, lost wages, funeral expenses and other personal injury related expenses.

In addition to PIP insurance all vehicles registered in Maryland must have liability insurance with the following minimum amounts of coverage:

  • $20,000 of liability coverage for accidents involving a single person
  • $40,000 in combined liability coverage for all  victims of a single accident
  • $15,000 of property damage insurance to insure against damage of physical property belonging to others

FREE Car Insurance Comparison

Compare quotes from the top car insurance companies and save!

 Secured with SHA-256 Encryption

What if I am denied Maryland car insurance?

If you have a DUI conviction or reckless driving record it can often be hard to get any kind of cheap car insurance quotes but Maryland has a unique program called MAIF, the Maryland Automobile Insurance Fund.

The MAIF provides car insurance to residents who have been denied car insurance coverage by at least 2 auto insurance companies or have had coverage canceled by at least one.

There are eligibility requirements for the MAIF; however, it’s nice to see a state opening up and offering some kind of alternative car insurance coverage to drivers who have problems obtaining coverage in the marketplace.

Maryland Car Insurance Companies

Maryland is a car insurance market served by many car insurance companies so finding an auto insurance provider will be fairly easy but you still need to shop for car insurance in order to obtain the best rates.

Ready to get Maryland Car Insurance? Get FREE Maryland Car Insurance Quotes online!

FREE Car Insurance Comparison

Compare quotes from the top car insurance companies and save!

 Secured with SHA-256 Encryption

[0-9]
[0-9]