Travelers and USAA are the cheapest Maryland auto insurance companies for good drivers, among the companies we analyzed. State laws govern how much insurance coverage drivers must have, and no-fault laws affect insurers' risks. The analysis included 5 to 10 of the largest insurance companies in each state; smaller insurers were also included when rates were available. Some Maryland cities have cheaper car insurance premiums than others because insurance companies consider the driver's zip code when calculating their premium, as well as other factors.
For example, if you hit your neighbor's fence, they can file a claim against your auto liability insurance. Maryland state averages are based on rates from Allstate, Cumberland Insurance Group, Erie, Geico, Nationwide, Penn National, Progressive, State Auto, State Farm, Travelers, Kemper and USAA. Check out the Maryland Auto Insurance Fund and Encompass quotes if you're looking for affordable car insurance for teens in Maryland. The average cost of car insurance in Maryland is 55% higher than the national average auto insurance premium.
For example, drivers in Maryland can expect to pay an average of 78% more for car insurance after actions such as driving under the influence of alcohol, driving with a suspended license, or driving recklessly. Searching for prices and comparing rates is another way to get lower auto insurance rates in Maryland. See NerdWallet's guide to state car insurance requirements for more details on the different parts of an auto policy in Maryland. With assigned risk insurance, drivers who cannot be accepted are normally assigned to insurance companies that come together collectively to assume the risk of insuring them.
Maryland car insurance premiums increase by an average of 72% if you have a drunk driving conviction on your record. If your car is severely damaged in Maryland, your car insurance company could declare the car as a total loss if the cost of repairing it exceeds 75% of the car's fair market value.