Understanding auto Insurance in Maryland
Maryland residents have unique insurance needs due to local regulations and driving conditions. This comprehensive guide covers everything you need to know about auto insurance in 2025.
Minimum Requirements in Maryland
Maryland law requires all drivers to carry minimum liability coverage. Here's what you need:
- Bodily Injury Liability: $25,000/$50,000
- Property Damage Liability: $25,000
- Uninsured Motorist Coverage: Recommended
Average Rates in Maryland
The average auto insurance premium in Maryland is approximately $1681/year, which is below the national average.
Top Insurance Companies in Maryland
- State Farm - Best overall coverage
- GEICO - Best for affordable rates
- Progressive - Best for high-risk drivers
- Allstate - Best for bundling
- Liberty Mutual - Best customer service
Tips to Save Money
Here are proven ways to lower your auto insurance costs in Maryland:
- Compare quotes from at least 5 providers
- Bundle home and auto policies
- Ask about available discounts
- Consider raising your deductible
- Maintain a clean driving record
Get Your Free Quote
Ready to save? Use our free comparison tool to see quotes from 50+ top providers serving Maryland.