Neha Sharma
Neha Sharma
03 Apr 2022

Here are some things to keep in mind while driving in Maryland.
There are 68,889 miles of road in the Old Line State just waiting to be traveled. Read on to find out how much vehicle insurance in Maryland costs depending on these factors, or enter your ZIP code above to get free tailored quotes from major insurers so you can get on the road safely and without breaking the bank.

In Maryland, excellent drivers may get low-cost vehicle insurance.

Drivers with a clean driving record often pay less for insurance than those who have had speeding tickets, at-fault accidents, or DUI charges in the past. Maryland drivers do not get a significant discount for driving safely, as a lack of traffic violations results in an 11 percent price reduction, compared to a 17 percent reduction nationwide. You may be eligible for a safe-driving incentive from your vehicle insurance carrier in addition to receiving a lower rate for driving without incidents. The quantity of these reductions varies, however they usually range from 5% to 10%.

In Maryland, teenage drivers may get low-cost vehicle insurance.

Young drivers (those aged 16 to 25) pay astronomically high car insurance premiums, with those aged 16 to 19 paying the highest rates of all. Teenagers pay more than three times the national average for auto insurance due to the danger posed by novice drivers. For young drivers, Maryland is a somewhat inexpensive state: the average teen driver spends $4,440 per year, which is roughly $500 less than the national average for teenagers but still significantly more than the Maryland driving average across all age groups. Request free auto insurance quotes online every few months to obtain the most competitive prices.

In Maryland, terrible drivers may get low-cost vehicle insurance.

You'll generally pay less for auto insurance if you have a clean driving record, which means no at-fault accidents, speeding tickets, DUIs, or other recent violations. A bad driving record, on the other hand, can lead your rates to skyrocket: in Maryland, auto insurance premiums normally rise by 30% after a DUI, 31% after an at-fault collision, and 11% after a speeding citation. Car insurance providers in Maryland apply lesser post-citation fines than the national average. If you have a spotless driving record, ask your insurance about good-driving discounts.

Maryland's best auto insurance providers

Every auto insurance business touts its low rates. However, like with any business, the cheapest option for auto insurance isn't necessarily the best one. Given the risks, it's important doing your homework to choose an auto coverage that sufficiently covers your vehicle in the event of an accident. Instead of settling for the cheapest auto insurance in Maryland, keep an eye out for the greatest deal.

Use the chart below to get a better idea of the level of service you'll get. You'll find ratings for financial soundness, claims satisfaction, and customer contentment for prominent car insurers, as well as an internal satisfaction score from The Zebra's consumers.

In Maryland, how tickets affect insurance premiums

Your vehicle insurance premiums will almost certainly increase if you earn a ticket. How much depends on the nature of the infraction, your insurer's pricing policies, and regional disparities in insurance risks and laws. As a result, fines in your state may have a different effect on insurance than the national average.

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