Maryland Car Insurance
Auto Insurance in Maryland
Whether you live in Bethesda or the state capital of Annapolis, you can find great auto insurance rates in Maryland. If you're new to MD or just making sure you have the best car insurance quote on the market, GEICO can work with you to make sure you have the right auto insurance coverage in Maryland. Start by getting a free MD car insurance quote with GEICO.
Maryland Car Insurance Coverage
New Maryland residents and established Marylanders need to make sure that they meet the legal minimum Maryland auto insurance requirements. They may also choose additional coverage that fits their needs. GEICO can give you a free Maryland auto insurance quote and help you find the right coverage for your car. GEICO also offers many discounts and savings opportunities, such as multi-policy discounts, the DriveEasy program, and the Maryland defensive driver discount.
Maryland's Minimum Car Insurance Requirements
The minimum legal Maryland car insurance coverage is:
Coverage Type |
Minimum Amount |
| Bodily Injury Liability Coverage | $30,000 minimum per person / $60,000 minimum per accident |
| Property Damage Liability Coverage | $15,000 minimum |
| Uninsured or Enhanced Underinsured Motorist Bodily Injury Coverage | $30,000 minimum per person / $60,000 minimum per accident* |
| Uninsured or Enhanced Underinsured Motorist Property Damage Coverage | $15,000 minimum* |
| Personal Injury Protection | $2,500 minimum** |
*Insurers are required to offer Enhanced Underinsured Motorist Coverage at the limit that matches the Bodily Injury and Property Damage coverages. This can be waived to carry standard Uninsured Motorist coverages instead or to carry limits lower than the Bodily Injury and Property Damage coverages.
**Maryland allows you to waive Personal Injury Protection and choose a limited PIP option instead. Please speak with a GEICO representative to discuss this option.
Maryland Car Insurance Discounts
GEICO offers many car insurance discounts to Maryland drivers to help them secure the coverage they need at a price they can afford. Some of our discounts include:
- Multi-Policy Discount: Save money when you bundle your MD auto policy with other coverages through GEICO.
- Five-Year Accident-Free Good Driver Discount: Drivers with a clean driving record for at least 5 consecutive years may be eligible for lower rates.
- Good Student Discount: Full-time Maryland students with an average of B+ or above can receive discounted car insurance premiums.
- New Vehicle Discount: Vehicles 3 years old or newer can earn up to a 15% discount on MD car insurance.
How Much is Car Insurance in Maryland?
Maryland car insurance premiums can vary widely based on many factors. Your exact location within the state is also a factor — areas with increased traffic or high rates of theft and vandalism may have higher premiums. Additionally, your vehicle’s make, model, year, safety features, and usage can influence your auto insurance rates.
What’s the best car insurance to get in Maryland?
To find the best car insurance in Maryland, you have to spend time comparing coverage options, customer service, online reviews, available discounts, and more. Luckily, GEICO has provided quality car insurance at affordable rates for more than 85 years. Here are some reasons customers choose GEICO:
- Dedicated claims specialists available 24/7/365
- We offer many car insurance discounts
- Easy premium payment options to fit your needs and budget
- A 97% customer satisfaction rating
- Our #1 rated GEICO Mobile app
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