Maryland drivers must maintain at least liability and personal injury protection coverage on their policies, with collision and comprehensive added on if desired. Although these additional services may not be necessary for everyone, they’re important when determining what policy best meets their individual needs and circumstances; failure to do so could result in fines or even imprisonment.

Car insurance rates are determined using several variables, including age, driving history and credit score. Maryland drivers tend to pay more than other drivers nationwide; however, taking time to shop around and compare quotes can help find affordable coverage in Maryland.

Drivers with limited driving experience or any moving violations on their record tend to pay higher insurance rates, however these offenses typically only stay on your record for a limited timeframe – often becoming obsolete after several years have passed. If you want a cheaper rate, try ditching any non-essential add-ons from your policy and only purchasing what is legally mandated in your state.

Keep a close watch on your credit, as some companies have been known to raise rates when your score decreases significantly. Furthermore, it’s wise to review your report regularly in order to identify any discrepancies which could negatively impact your rating.

Your location has a significant effect on your car insurance rates and neighborhood. Crime rates, weather conditions and population density all play a part; drivers in Baltimore tend to pay 7 percent more for coverage than drivers living in Columbia or Germantown.

Bundling multiple policies together, paying early and lowering coverage limits are all great ways to cut Maryland car insurance rates. Plus, being rewarded for safe driving habits by signing up for usage-based telematics programs could save even more on premiums!

Maryland car insurance providers offer different packages tailored to each person’s specific needs. USAA, GEICO, Travelers and State Farm are some of the premier companies available; get free quotes from each to see the cost of coverage before choosing. Most people qualify for some sort of discount so be sure to explore your options thoroughly when making your selection – this way you can feel confident you’re receiving the most cost-effective policy possible for you.