Use a Car Insurance Calculator to Find Out How Much Coverage You Need and What Your Rates Should Be

Maryland Car Insurance Calculator

Maryland car insurance calculators make it easy to determine how much coverage you require and what your rates should be. Car insurance rates in Maryland depend on multiple factors, including location and driving history. Learn more about each factor to see how it impacts your premium with help from Jerry’s experts on saving.

Drivers considered high-risk will typically pay more for auto insurance than drivers with clean records. A DUI or major traffic violations can increase rates dramatically; even minor violations such as speeding tickets could see their premiums increase over time.

Your credit score plays a significant role in how much insurance costs. Drivers with good credit typically enjoy lower premiums than those with poor, while excellent scores could save as much as 14 percent off their policy premiums.

Age can have an effect on how much Maryland car insurance you pay. Teen drivers, particularly between 16-19, typically incur higher rates due to lack of experience and risk associated with potential collisions.

Your location also plays a big role in your auto insurance rates; some areas pose higher crime or weather risks, which can influence both how much you pay each month for auto coverage as well as whether or not extra policies such as uninsured/underinsured motorist protection (UIM/UIP) or personal injury protection (PIP) coverage are necessary.

Some states, like Texas, offer no-fault systems in which accidents are covered regardless of who caused it. Maryland requires you to carry at least 30/60/25 coverage that includes bodily injury liability and property damage liability in order to be covered from potential lawsuits.

Drivers can save on car insurance by shopping around and bundling with other policies like homeowners or renters policies, taking advantage of discounts for being safe drivers, paying on time online payments or having low mileage vehicles and taking advantage of usage-based telematics programs which reward safe driving with reduced rates by monitoring driving habits via sensors in your car or mobile apps such as USAA, GEICO or Travelers auto insurers.