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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 discounts good enough to coax a terrapin from its shell. With technology designed to save you time and money, all drivers in the Old Line State can benefit from our simple policy management, award-winning website, and 24/7 customer service.

When you get a free Maryland car insurance quote, you'll benefit from intuitive online tools like CoverageMyWay™ that make the insurance process easier to understand. You can also compare auto insurance rates with other top companies to make sure you're getting the most bang for your buck. But with rates as competitive as ours, we're pretty confident you'll become part of the Esurance family.

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, new Esurance customers in Maryland could benefit from the following discounts:

  • Claim-Free discount
  • Multi-Car discount
  • Homeowners discount
  • Switch & Save® discount
  • Fast 5® discount (for starting your quote online)
  • 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 liability.

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) coverage

Maryland requires its drivers to have at least $2,500 in PIP coverage, 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 Esurance coverages for Maryland drivers can boost the level of protection you enjoy from your auto policy:

  • Collision coverage
  • Comprehensive coverage
  • Towing and labor coverage
  • Rental car coverage
  • Custom parts and equipment coverage
  • Loan/lease gap coverage

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

A 2011 report from the Insurance Research Council estimated that 15 percent of Maryland drivers were uninsured in 2009. This was slightly higher than the national average of 13.8 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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Find out why it's often older cars that are most vulnerable to theft.

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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