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Maryland Car Insurance Resources

Maryland Car Insurance

Car Insurance Rates in MD

^ From 2006 to 2010, Maryland cities had the 10th highest auto insurance rates in the nation. [2]

Car Insurance in MD by City

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Cars Insured in MD

^ Maryland ranked 20th of all U.S. states in total auto insurance policies in 2011. [1]

MD Car Insurance

Car Insurance in Maryland

Car Insurance Liability Requirements in Maryland

  • Minimum Liability Limits in MD: 30/60/15 [4]
    • 30  Required coverage up to $30,000 for one individual injured in an accident
    • 60  Required coverage up to $60,000 for all persons injured in an accident
    • 15  Required coverage up to $15,000 for property damage in an accident
    • Note: These amounts are the minimum required by the law. Drivers may opt to purchase auto insurance above the mandatory minimums.

Required Car Insurance Coverage in Maryland

Required Car Insurance Coverage in Maryland
  • Auto Insurance Coverage Requirements in MD [4]
    • Bodily injury liability coverage
    • Property damage liability coverage
    • Uninsured motorist coverage
    • Underinsured motorist coverage
    • Personal injury protection coverage
    • Note: Personal Injury Protection (PIP) may be waived for the policyholder but is compulsory for passengers.

Car Insurance Verification Laws in Maryland

  • Insurer Verification of Auto Insurance in MD [4]
    • Insurer must notify Department of Motor Vehicles or other state agency of cancellation or nonrenewal.

Maryland Car Insurance Facts, Estimates & Related Laws

Maryland Car Insurance Facts

Maryland Car Insurance Facts, Estimates & Related Laws
  • Average Car Insurance Rates in MD
    • Maryland had the 9th highest auto insurance rates in the nation in 2010. [2]
    • Rates in MD ranked 10th in the nation in 2009. [2]
    • In 2008, MD had the 10th highest rates in the country. [2]
  • Number of Auto Insurance Policies in MD
    • Maryland ranked 20th in the nation in auto insurance policies in 2011 with a total of 3,920,707. [1]
  • Uninsured Motorist Rate in MD
    • The uninsured motorist rate in MD ranked 18th in the nation in 2009. [3]

Maryland Distracted Driving Laws

  • Hand-held phone ban? Yes
    • hand-held phone ban in place for all drivers. [7]
  • Texting-while-driving ban? Yes
    • Texting-while-driving ban in place for all drivers. [7]
  • Young drivers cell phone ban? Yes
    • Ban applies to drivers younger than 18. [7]
  • Bus driver cell phone ban? Yes
    • Ban applies to school bus drivers (hand-held ban). [7]
  • Enforcement of laws:
    • Primary enforcement in effect. [7]
    • With primary enforcement, a police officer can pull over a driver for that specific offense.
    • Under a primary law, a police officer can stop a driver for that specific offense. Under a secondary law, an officer must stop a driver for a primary offense before ticketing for the secondary offense.

Maryland Automotive Laws

  • Safety Belt Laws in MD
    • Safety belt laws have been in place since 1986 and apply to drivers/passengers 16+ years in all seats (effective 10/01/13). [7]
    • Child restraint law in place for 7 years and younger and less than 57 inches. [7]
  • Motorcycle Helmet Laws in MD
    • Motorcycle helmets required for all riders. [7]
  • Driver's License Renewal Cycle in MD
    • Renewal cycle: 8 years [7]

Maryland Auto & Driver Facts

Maryland Automotive Facts

Maryland Auto & Driver Facts
  • Speed Limits in MD
    • Rural interstates: 65 mph [7]
    • Urban interstates: 65 mph [7]
    • Other roads: 55 mph [7]
  • Motor Fuel Consumption in MD
    • Maryland cities collectively ranked 22nd in the nation in total motor fuel consumption in 2011. [9]

Maryland Licensed Drivers

  • Licensed Drivers in MD [10]
    • Total Drivers: 3,856,604
    • Female: 1,981,313
    • Male: 1,875,291
    • MD has the 20th most drivers in the U.S.
  • Minimum Driving Age in MD [5]
    • Maryland has a minimum driving age of 15 years, 9 months.

Maryland Auto Registrations

  • Auto Registrations in MD [8]
    • Registered Cars: 2,088,130
    • Registered Trucks: 1,682,819
    • Registered Motorcycles: 120,122
    • Total Registrations: 3,905,629
    • Rank: Maryland ranked 24th in the United States in total auto registrations in 2011.

Additional information about Maryland

About Maryland

Maryland has a population of approximately 5,773,552, which ranks 19th in the U.S. among all states. [6]

MD Car Insurance

More about Maryland auto insurance

For more information about auto insurance in MD, or for additional resources regarding Maryland car insurance, visit the Maryland Department of Insurance.

Did you know?

Penalties for driving without required insurance coverage vary widely by location. Fines can reach into the thousands of dollars.

References

1. ^ Automobile Insurance Plans Service Office (AIPSO)

2. ^ National Association of Insurance Commissioners (NAIC)

3. ^ Insurance Research Council (IRC)

4. ^ Insurance Information Institute (III)

5. ^ Insurance Institute for Highway Safety (IIHS)

6. ^ United States Census Bureau

7. ^ IIHS & Highway Loss Data Institute

8. ^ Office of Highway Policy Information

9. ^ U.S. Department of Transportation

10. ^ Federal Highway Administration

Maryland Cities