get a maryland car insurance quote from esurance
affordable maryland car insurance
Maryland is an incredible destination when it comes to both landscapes and seascapes. But before you head out to enjoy all that "Little America" has to offer, make sure you have the auto insurance you need.
Maryland driving laws require 3 types of car insurance: liability, personal injury protection (PIP), and uninsured motorist coverage. However, you may want to consider even more coverage to ensure that both you and your vehicle are protected in any scenario. Esurance can help you find car insurance that meets state requirements while providing optimal protection.
For Maryland residents who are unable to register for private auto insurance, the Maryland Automobile Insurance Fund (MAIF) helps to provide immediate insurance for those who need it.
Don't forget that when registering a car in Maryland, you're required to provide proof of insurance. The great news is that as a Maryland resident, you can offer electronic proof of insurance on your smartphone or tablet if you ever get pulled over. In fact, with the Esurance mobile app, it's easier than ever to offer proof of insurance. Simply download the app, where you can also file a claim, make changes to your policy and account information, and make a payment.
With easy online quotes, Esurance makes it easy to find the policy that works best for you. Whether you live in Baltimore, Annapolis, or somewhere in between, you can get easy, affordable Maryland car insurance from Esurance.
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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
- Multi-Policy 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 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:
- 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.
Baltimore car insurance
Motorists in Baltimore: nab a quick, free quote online from Esurance to see how much you could save.
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.