Maryland Insurance Agencies by County

How to Lower Your Car Insurance in Maryland (And How Insurance Companies Score You)

Trying to cut the cost of car insurance in Maryland? Whether you’re commuting around Baltimore, driving in the DC suburbs, or traveling across the Eastern Shore, there are smart ways to keep premiums down. This overview explains how Maryland insurers evaluate drivers — and what you can do to save money.

How Car Insurance Companies in Maryland Score You

• Driving history – Accidents, tickets, DUIs, and claims affect rates.
• Credit score – Maryland allows credit-based insurance scoring; better credit often lowers premiums.
• Location – Dense/urban areas can have higher claim frequency and theft risk.
• Vehicle type – Repair costs, theft risk, and safety ratings impact pricing.
• Annual mileage – Lower mileage may qualify for discounts.
• Coverage choices – Higher limits/full coverage cost more; higher deductibles often reduce monthly premiums.

10 Ways to Lower Your Car Insurance in Maryland

1. Compare quotes from multiple insurers.
2. Bundle auto with home or renters insurance.
3. Maintain good credit.
4. Increase deductibles if financially comfortable.
5. Ask about telematics or usage-based programs.
6. Check all discounts (safe driver, multi-car, homeowner, good student, paid-in-full, autopay).
7. Consider liability-only on older vehicles.
8. Choose vehicles with lower repair and theft risk.
9. Avoid coverage lapses.
10. Re-shop every 6–12 months.

Maryland Minimum Auto Insurance Requirements

Maryland generally requires at least 30/60/15 in liability coverage — $30,000 bodily injury per person, $60,000 per accident, and $15,000 property damage per accident. Uninsured/underinsured motorist coverage is also typically required. Many drivers choose higher limits for better protection.

Traffic, Storms, and Comprehensive Coverage

Maryland drivers may face heavy traffic, coastal storms, and theft risk. Comprehensive coverage can help protect your vehicle from non-collision damage such as theft, vandalism, falling objects, and certain weather-related losses (coverage varies by policy).

Use the county list above to explore local insurance agencies in your area and compare options side-by-side.