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Maryland Car Insurance

Stretching along the Eastern Shores of Maryland, the Chesapeake Country National Scenic Byway will take you through farmland, historic towns and down to the shoreline. If you’re planning a drive, high-quality car insurance provides protection in case of accidents, helping cover damages to your vehicle and any injuries sustained.

The right policy offers peace of mind by providing coverage for these unforeseen events, allowing you to enjoy the journey without worrying about the potential financial implications.

Amica offers customized Maryland car insurance quotes that allow you to tailor your coverage with comprehensive protection backed by personalized service. Don't settle for a one-size-fits-all approach when it comes to protecting yourself and your family on the road. Instead, take the time to get a customized quote that meets your unique coverage needs.

Maryland's required auto insurance limits

In Maryland, drivers are required to carry the following minimum liability coverage limits for auto insurance:

  • Bodily Injury Liability Coverage:
    • $30,000 per person
    • $60,000 per accident
  • Property Damage Liability Coverage:
    • $15,000 per accident

Bodily injury liability coverage: Provides financial protection for causing bodily harm to others in an auto accident. It includes medical expenses, lost wages, pain and suffering, and rehabilitation costs. If you're sued, your policy may also pay legal defense costs. Coverage is subject to policy limits and exclusions.

Property damage liability coverage: Coverage for damage you cause to someone else's property in an auto accident where you’re at fault. This includes the costs of repairing or replacing the other party's vehicle, as well as any other damaged property, such as fences or other structures. Additionally, your policy may help with legal fees if you’re sued for the property damage you caused. Coverage is subject to certain limitations and exclusions.

In addition to the minimum liability coverage requirements, Maryland mandates coverages for uninsured motorist bodily injury, uninsured motorist property damage and personal injury protection, with the following minimum limits:

  • Uninsured Motorist Bodily Injury Coverage:
    • $30,000 per person
    • $60,000 per accident
  • Uninsured Motorist Property Damage Coverage:
    • $15,000 per accident
  • Personal Injury Protection (PIP):
    • $2,500 per accident

Uninsured/underinsured motorist bodily injury coverage: Provides protection if you're injured in an accident caused by a driver who’s uninsured or doesn't have enough coverage to pay for your medical bills and other expenses.

Uninsured motorist property damage coverage: Helps protect your vehicle if it’s damaged in an accident caused by an uninsured driver or by a hit-and-run driver who cannot be identified.

Personal injury protection (PIP): Coverage pays for medical expenses and lost wages if you or your passengers are injured in an accident, regardless of fault. Includes funeral expenses and loss of services.

It's important to understand that these are just the minimum requirements, and Maryland drivers may choose higher coverage limits for added protection. 

Additional Maryland car insurance coverage

Opting for additional auto insurance coverage beyond Maryland-mandated minimums can provide invaluable protection in various scenarios. It's not only a wise choice for safeguarding your finances and assets, but may be required coverage if you lease or finance your car. Here are some additional coverages you might consider:

  • Comprehensive (other than collision): Provides coverage for damage to your vehicle caused by things other than a collision. Includes damage from falling trees or rocks kicked up by other cars.
  • Collision coverage: Coverage for repairs to your vehicle if it's damaged in a collision with another vehicle or object, regardless of fault.
  • Rental reimbursement: If your vehicle is damaged in an accident and needs repairs, rental reimbursement coverage pays for transportation costs. Coverage includes rental cars, ridesharing or public transportation like trains, taxis and buses.
  • Auto/loan lease coverage: Coverage for the difference between what you owe on your loan or lease and the current value of your vehicle if it's totaled in a covered accident.
  • Towing and labor coverage: Provides roadside assistance 24/7 for issues you may face on the road like changing flat tires, jumping dead batteries, towing your car, unlocking car doors, and getting your car unstuck from mud or snow.
  • Repairing or replacing auto glass: Provides coverage for repair or replacement of your windshield, windows and other auto glass, without a deductible.

Key factors impacting Maryland auto insurance rates

There are many factors that impact the cost of auto insurance in Maryland, including individual circumstances, location, vehicle type and more. Consider the following:

  • Driving history: Your individual driving record significantly impacts Maryland auto insurance premiums. Maryland drivers with a history of accidents or traffic violations typically face higher rates than those with clean records.
  • Claims in Maryland: Higher rates of accidents, theft or other incidents could lead to increased premiums for all drivers in Maryland.
  • Weather patterns in Maryland: Weather events such as hurricanes or severe storms may affect Maryland auto insurance premiums, particularly for comprehensive coverage that includes protection against weather-related damage. 

It's important to know that auto rates change over time for a number of reasons. Some of those reasons, like your driving record and claim history, are within your control, while others, like industry repair rates and claim frequency in your area, are not. If your auto rates increase, you may be able to mitigate the increase by adjusting your coverage or deductible, or qualifying for policy discounts.

Save more with Maryland auto insurance discounts

Amica offers various auto insurance discounts to help policyholders save money on their premiums.1 Here are some ways Maryland drivers can save:

  • Discounts for family
    • Young driver training: We have discounts for drivers under 21 who complete an accredited driver training program.
    • Good student: Policies with full-time high school or college students, ages 15-25, with a “B” average or higher are eligible for our Good Student Discount.
  • Discounts for how you drive
    • Accident-free: Get an auto insurance discount when you’ve been claim-free for the past three years.
    • Defensive driver training: Taking an approved driver safety course can earn you a discount.
  • Discounts for your car’s systems
    • Anti-theft: We’ll reward you for keeping your car safe and secure with anti-theft devices, like car alarms and GPS tracking systems.
    • Passive restraints: If your car is equipped with passive restraints, like airbags, you may be eligible for a discount.
  • Discounts for how you pay
    • AutoPay: Simplify your payment experience with AutoPay to earn even more savings.
    • Paperless: Get a discount when you sign up to receive policy documents and bills electronically.
    • Paid in full: Save money when you pay the entire balance of your policy premium up front.

If you're a Maryland driver in need of both auto and home insurance coverage, it's worth exploring options for bundling policies to maximize your savings. When you bundle auto and home insurance with Amica, Amica, you can save up to 30% with a multiline discount.

Facts and figures about Maryland

Fun facts about Maryland:

  • Maryland is known as "America in Miniature" because of its varied landscape from beaches to forests.1
  • Maryland is the birthplace of the U.S. national anthem.1
  • Maryland was one of two states to cede land to create Washington, D.C.1

Facts about driving in Maryland:

  • Maryland has a Rookie Driver program for all new drivers in the state, regardless of age. New drivers must complete the program before they receive a full Maryland driver’s license.2
  • When in an accident, Maryland law requires you stop, exchange information and render aid.3
  • It’s the law in Maryland for drivers to turn on their headlights when the windshield wipers are in use.3

How to get car insurance in Maryland

We’re here to guide you through the process of personalizing your car insurance in Maryland. Here’s how to secure your policy in three easy steps:

  1. Assess your coverage needs: 

    An Amica representative can provide personalized guidance and help you navigate your options to find the right coverage for your needs. 

  2. Discover potential discounts:

    A representative can also assist you in exploring potential discounts or cost-saving measures available to Maryland drivers based on your unique circumstances and location.

  3. Get a quote:

    Amica offers convenient options for getting a quote. You can either get a car insurance quote online or call 800-242-6422 today to speak with a representative.

With Amica, Maryland drivers can hit the road with confidence, knowing they’re prepared for any situation that may arise.

Get an auto insurance quote

or call 833-513-3881

1 Discounts not available in all states and may vary.
2 100 Fun Facts About the State of Maryland
3 Rookie Driver Program
4 Drive Safely in Maryland
 

Your Policy, Policy Declarations or Amended Declarations in effect on the date of loss is the primary source of reference for your coverage, coverage limits and deductible amounts.

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