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Maryland auto insurance laws
Maryland auto insurance laws require that every driver carry auto liability insurance. This coverage helps insure you against the cost of injury and damage you cause to someone else in an auto accident.
Maryland auto insurance laws require liability coverage of 20/40/15. (That's $20,000 per person for injuries you cause to the other party, up to $40,000 total, and $15,000 for any damage that you cause to the other driver's car and/or property.)
Maryland auto insurance laws also require that you purchase uninsured and underinsured motorist coverages, which help cover your expenses should you be in an accident with a driver with inadequate liability coverage. The required minimum on this coverage is also 20/40/15 ($20,000 for injuries per person, up to $40,000 total, and $15,000 for property damage).
Finally, Maryland auto insurance laws require that all drivers purchase a minimum of $2,500 in personal injury protection (or PIP). This coverage will help reimburse you for medical expenses and lost wages regardless of who was at fault in an accident.
Drivers with good health insurance policies may wish to waive this coverage to earn a lower premium. However, most health plans will not cover loss of wages or the cost of any passenger injuries.
Maryland auto insurance companies will also offer optional coverages such as collision and comprehensive.
Sidebar If you are a Maryland resident, you may be able to save on your premium by visiting Electric Insurance. Their policies are available only to better drivers, whose credit and driving records could be described as being at least good.
The price of Maryland auto insurance is decided by the behavior of the state's drivers as a whole. Maryland auto insurance companies take the cost of insuring Maryland drivers (this includes what they pay out for injury and damage, legal and administrative fees, and the cost of prosecuting insurance fraud) and divide it up among the drivers.
But these costs aren't spread around evenly. Instead, Maryland car insurance providers calculate how much a certain "category" of driver costs them, and decide premiums based on that. The "category" you're in is decided by your driving record, your age, where you live, and the kind of car you drive, among other things.
Of course, not all insurance companies use the same categories and calculations, so the same set of characteristics (yours!) will be seen very differently by different insurance companies. And they'll quote youdifferent rates.
What this means for you, as an Maryland driver, is that you need to shop around. It's the fastest easiest way to save on an Maryland auto insurance policy.
This wrebsite provides general information for educational purposes only and is not intended to be legal advice. We make no guarantees as to the validity of the information presented. Your particular facts and circumstances, and changes in the law, must be considered when applying insurance law. You should always consult with a competent auto insurance professional licensed in your state with respect to your particular situation.