Car Insurance Quotes for Maryland Drivers
If you’re looking for a
car insurance quote or need information on Maryland car insurance requirements, you’ll find what you need right here with the
AARP® Auto Insurance Program from The Hartford.
1 We’ve been protecting Maryland AARP members and their families with car insurance since 1984.
Maryland has so much to offer. Whether you’re headed to cheer on your favorite sports team, checking out the historic Antietam National Battlefield or setting out to spend the day at the beach, The Hartford is here to keep you protected behind the wheel. Have confidence as you travel along Maryland’s roadways with Maryland car insurance that has your back. We’re an insurance company with a reputation for integrity and trust. Since we have high customer ratings for claims services, you can count on Maryland auto insurance from The Hartford to be there when you need it most.
Car Insurance Benefits Offered to Maryland Drivers
In addition to affordable car insurance rates, Maryland drivers can receive valuable
car insurance benefits and discounts from the AARP Auto Insurance Program from The Hartford. Our car insurance benefits for Maryland drivers include:
- New Car Replacement§§
- Accident Forgiveness‡
- Disappearing Deductible‡
- 24/7 Claim Service
What Are the Minimum Requirements for Car Insurance in Maryland?
Liability car insurance requirements in Maryland specify you must have coverage at the following minimum limits:2
- $30,000 for bodily injury, per person, per accident
- $60,000 for bodily injury, total per accident
- $15,000 for property damage per accident
Proof of Car Insurance for Maryland Drivers
If you’re a licensed driver in the state of Maryland, it’s smart to keep a copy of your car insurance ID card in your vehicle, along with your registration. Maryland is also among several states that accept electronic proof of car insurance. With The
Hartford mobile app, you can store your car insurance ID cards right on your phone. For more information, visit the
Google Play™ or
App Store.™
Maryland Uninsured Driver Facts
According to a 2021 Insurance Research Council report, 14.1% of Maryland drivers don’t have car insurance. This is slightly above the national average of 12.6% of drivers without car insurance.3
Maryland requires you to carry uninsured/underinsured motorist car insurance coverage to help with your medical bills after an accident caused by either an uninsured driver or a driver who does not have adequate car insurance coverage to pay your medical bills. Without uninsured motorist coverage, you could end up paying out of pocket. Your uninsured/underinsured motorist bodily injury
(UMBI) coverage must have the minimum coverage amounts of:
- $30,000 per person
- $60,000 total per accident
Maryland drivers can have confidence in their car insurance coverage with the AARP Auto Insurance Program from The Hartford.
Maryland Auto Insurance Costs
Your auto insurance rates are determined by many factors, including the state where you live. In Maryland, the average car insurance costs in 2018 were around $1,212. However, car insurance companies will calculate your rates based on additional factors like your driving history and the coverage limits you choose.
Is Car Insurance in Maryland Expensive?
Maryland does not have the cheapest car insurance in the nation. However, the average cost of Maryland car insurance is only slightly higher than the national average of $1,057 per year.4
Additional Maryland Car Insurance Coverages Available to Drivers
In addition to the car insurance coverage limits required by Maryland state law, the AARP Auto Insurance Program from The Hartford offers the following
car insurance coverage for additional protection:
Beyond Car Insurance: Staying Safe on Maryland Roads
As you travel through Maryland, there are a number of safe driving laws meant to protect you on Maryland’s highways and byways. Here are just a few:5
Maryland Seat Belt Laws:
Maryland is one of many states that have a primary seat belt law – which means you can be pulled over and ticketed just for not wearing a seat belt.
Maryland Distracted Driving Laws:
Maryland has a number of laws in place to discourage distracted driving:
- Hand-held cell phones are banned for all drivers in the state of Maryland.
- New drivers in Maryland are not allowed to use hand-held or hands-free cell phones.
- Texting while driving is banned in the state of Maryland.
Maryland Teen Driver Laws:
Getting a driver’s license is a rite of passage for all teenagers and Maryland wants to be sure they stay safe in the process. Maryland has implemented graduated licensing laws to ensure that teens gain the experience and maturity that’s required to be safe behind the wheel. Graduated licensing laws limit nighttime driving, restrict teen passengers and ensure an adequate amount of supervised driving practice.
Get Free Car Insurance Quotes in Maryland From The Hartford
To help keep you safe while you’re out on the roads, The AARP Auto Insurance Program from The Hartford offers car insurance that has your back. To learn more about car insurance in Maryland, get a
car insurance quote today. We can help you get the coverage you need at the right price.
Other Maryland Coverage Links
Last Updated: October 16, 2023
2 Maryland Department of Transportation Motor Vehicle Administration, “Vehicle Registration and Titling Questions”
3 Insurance Information Institute, “Facts + Statistics: Uninsured motorists”
4 Insurance Information Institute, “Facts + Statistics: Auto insurance”
5 Governors Highway Safety Association, “States”
