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maryland car insurance that’s right for you, not someone sorta like you

Esurance has been proudly offering auto insurance in Maryland since 2000, with an array of discounts good enough to coax a terrapin from its shell. With tools and tech designed to save you time and money, all drivers in the Old Line State stand to benefit from our simple policy management, hassle-free website, and 24/7 customer service.

When you get a personalized Maryland car insurance quote, take advantage of CoverageMyWay™, only from Esurance, which prioritizes coverage options based on the info you provide. After all, you want a policy tailored to you, not someone sorta like you.

maryland car insurance discounts

Good news, Marylanders: we've got a bunch of money-saving discounts that help make our affordable car insurance rates some of the most competitive in the Old Line State. Whether you live in Baltimore or Brunswick, Esurance customers in Maryland could save some major cash with the following discounts:

  • Claim-Free discount
  • Multi-Car discount
  • Homeowners discount
  • Switch & Save® discount
  • Fast 5® discount
  • Paid-in-Full discount
  • Good Student discount

Discounts may vary. If you're already an Esurance customer and have any questions about your discounts, give us a call at 1-800-ESURANCE (1-800-378-7262).

required car insurance coverages in maryland

There are 3 types of coverage you'll need on your Maryland auto policy: liability, personal injury protection, and uninsured motorist coverage.

Liability coverages

Liability insurance helps handle others' injury expenses and property damage if you're at fault in a car accident. Your liability coverages in Maryland need to have the following limits:

  • $30,000 in bodily injury liability coverage per person
  • $60,000 in bodily injury liability coverage per incident
  • $15,000 in property damage per incident

These limits will often appear as 30/60/15, and you'll be able to select higher limits when you build and buy your policy.

Personal injury protection (PIP)

Maryland requires its drivers to have at least $2,500 worth of PIP, also known as no-fault insurance, to help cover accident-related medical expenses for you and your passengers. If you're in an accident, PIP can help you with the following expenses:

  • Medical fees (nursing, prosthetics, surgery, etc.)
  • Wage compensation (if you miss work because of an injury)
  • Substitute services (if you need help with household tasks because of an injury)
  • Funeral expenses

There are 2 different forms of PIP to choose between — full or limited. Limited PIP covers children (under 16) in your household and injured pedestrians, but it doesn't cover you, the policyholder, or family members 16 or older residing at home.

Uninsured motorist bodily injury liability coverage

Uninsured motorist coverage in Maryland can help pay for your medical bills after an accident with an at-fault uninsured driver. The minimum limits you can select are $30,000 per person, $60,000 per incident.

Uninsured motorist property damage liability coverage

Similar to the above, but this coverage can pay for damage to your car after an accident with an at-fault uninsured driver. The minimum limit is $15,000 per incident.

optional car insurance coverages

These additional protections for Maryland drivers can help you get the most from your auto policy:

  • Collision
  • Comprehensive
  • Towing and labor
  • CarMatch Rental Coverage®
  • Custom parts and equipment
  • Auto loan/lease (or "gap")

facts and stats in maryland

Uninsured drivers in Maryland

Uninsured drivers in Maryland can lose their license plates and may need to pay an uninsured motorist fee of at least $150 (in addition to other fines and charges).

Percentage of drivers without car insurance

The Insurance Research Council estimated that 12.2 percent of Maryland drivers were uninsured in 2012. This was just slightly lower than the national average of 12.6 percent.

Digital proof of insurance in Maryland

Esurance customers in the Old Line State can pull up their car insurance ID cards, file a claim, and manage their policies at their fingertips with our innovative mobile app.

And that's especially awesome since Maryland residents can lawfully offer electronic proof of insurance on their smartphones, tablets, and other devices if they ever get pulled over.

e-star® car repair shops in maryland

Esurance customers can take their cars to Esurance-approved facilities to take advantage of RepairView® and guaranteed repairs for as long as they own their cars.

Find an E-star shop in your neck of the woods.

Related links

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Why car insurance rates increase
No one likes to pay more than they have to for coverage, so check out some common reasons rates increase.

Wonder if you could be saving on car insurance?

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