Maryland Car Insurance

Some say Maryland is one of the most beautiful states in America. With the beautiful landscape scenic drives who wouldn’t want to take advantage of this? As a Maryland resident for you to do so you’d have to have car insurance wouldn’t you? And if you have no idea where to start and what is required will definitely help you out here. So before you get behind the wheel read more to find out everything you need to know about car insurance in Maryland.

Before you start driving you may want to check out some of the best insurance companies out there for you.

Require Coverage

Like every state, there are some required coverages. In the state of Maryland, drivers are required to have three different kinds of auto insurance such as liability insurance, personal injury protection as well as uninsured motorist coverage. We’ll get it to the details as to why you need these coverages in the state as opposed to anything else.

  • $30,000 in bodily injury coverage per person
  • $60,000 a bodily injury coverage per hour accident
  • $15,000 of liability coverage per accident

 In terms of personal injury protection or known as PIP, in the state of Maryland drivers have to have at least $2,500 worth of this insurance coverage. It’s there to help cover any medical expenses for both you and your passengers in an accident.

Optional Coverages

Be safe on the road most drivers aren’t actually comfortable with just taking the minimum requirement. Some say that it’s not sufficient enough for their needs and chances are it may be the same for you. Which is why we recommend looking at the optional coverages available to you. They’re there to ensure that you have a fully customized quote that suits your needs and that way you’re not overpaying for anything. Here’s a list of the optional coverage is available to you.

  • Collision insurance
  • Comprehensive insurance
  • Towing
  • Gap insurance
  • And more

Finding affordable and cheap auto insurance in the state of Maryland isn’t as hard as people make it out to be. All you have to do is contact your local insurance company or even one of the big players in the space to get an affordable quote based on your needs. The reason we say this is because shopping around is Keith finding an affordable rate, once you find an affordable rate you can on top on all the discounts that you’re eligible for to make it even cheaper.

 Although there are some situations where residents in Maryland are unable to get car insurance. If this is the case don’t be discouraged, if you’re unable to register for private insurance you can reach out to the Maryland Automobile Insurance Fund. They’re there to help provide you with immediate insurance for anyone who needs it.

Average Cost for Car Insurance in Maryland

Living in Maryland you know that you save on auto insurance each year on the national average by about 13%. After considering all the factors in different drivers in Maryland the average comes out to about $1,300 per year. That’s significantly lower and it’s a great starting point for anyone who’s getting an insurance quote.

Is Maryland a No-fault State?

Keep the answer short and sweet, Maryland is a fault state. This means that the at-fault driver will pay for any expenses out of their pocket if they have no insurance, or their insurance company will cover all the damages you’ve Incurred as a not-at-fault driver.