Cheap Car Insurance Quotes for Uninsured Drivers in Maryland

Wouldn’t life be so easy if we could just give you the name of the single best company in Maryland that has the cheapest insurance for uninsured drivers? It’s not that easy, however, as there are a whole bunch of unknown elements such as how many years you have been driving, if your driving record is clean, and if you rent or own your home. The content below will cover the best ways to shop for cheaper coverage and should give you a good beginning to your quest for cheaper car insurance.

For Maryland drivers, one of the components that is used to calculate car insurance rates is where you normally keep your vehicle in Maryland. Areas with a lot of weather claims or more people like Baltimore, Dundalk, and Aspen Hill tend to have higher auto insurance costs, whereas areas with lower vehicle theft rates and fewer weather claims tend to receive cheaper rates.

The illustration below shows the most costly cities in Maryland for uninsured drivers to buy auto insurance in.

Premium costs are comparative as the specific geographic location can alter coverage prices noticeably.

The vehicle model requiring coverage is one of the primary factors when comparison shopping for cheap car insurance for uninsured drivers in Maryland. Vehicles with average performance, advanced safety features, or low incidents of liability claims will cost less to insure than fast, unsafe models. The list below outlines car insurance rates for some of the most cost-effective vehicles to buy insurance for.

Table data assumes married male driver age 30, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Maryland minimum liability limits. Discounts applied include safe-driver, multi-policy, claim-free, homeowner, and multi-vehicle. Information does not factor in specific Maryland garaging location which can lower or raise rates noticeably.

Based upon these rates, you can expect models like the Ford Escape, Chevrolet Traverse, Honda CR-V, and Honda Odyssey will definitely be the cheaper vehicles to insure for drivers with no prior coverage.

Buying coverage from a highly-rated company is difficult considering how many companies there are to choose from in Maryland. The rank data in the lists below may help you decide which coverage providers you want to consider comparing rate quotes with.

These rankings include companies that insure vehicles nationwide, so companies that have a smaller presence are not taken into consideration for the list. To compare prices from many more Maryland auto insurance companies, follow this link.

Top 10 Large Car Insurance Companies in Maryland Ranked by Customer Service

1. USAA
2. Travelers
3. AAA Insurance
4. Nationwide
5. Safeco Insurance
6. Progressive
7. State Farm
8. The Hartford
9. The General
10. Esurance

Top 10 Large Car Insurance Companies in Maryland Ranked by Value

1. Travelers
2. American Family
3. AAA Insurance
4. Safeco Insurance
5. Progressive
6. The Hartford
7. Titan Insurance
8. The General
9. 21st Century
10. Esurance

How to get discounts on Maryland insurance

Insurers that provide cheap car insurance for uninsured drivers in Maryland may provide price discounts that may potentially lower prices by as much as 40% or more if you meet the requirements. A list of companies and a selection of discounts can be read below.

• Farm Bureau policyholders can earn discounts including safe driver, 55 and retired, multi-policy, good student, multi-vehicle, driver training, and renewal discount.
• MetLife offers discounts for claim-free, multi-policy, good student, good driver, defensive driver, and accident-free.
• Progressive may have discounts that include multi-policy, online signing, online quote discount, multi-vehicle, and homeowner.
• AAA discounts include AAA membership discount, pay-in-full, good student, multi-policy, and good driver.
• American Family has discounts for mySafetyValet, good driver, good student, defensive driver, and early bird.
• GEICO includes discounts for five-year accident-free, federal employee, seat belt use, defensive driver, anti-theft, and membership and employees.
• State Farm offers discounts including good driver, driver’s education, anti-theft, accident-free, student away at school, safe vehicle, and multiple policy.

The illustration below visualizes the comparison of insurance costs with and without discounts. The premiums assume a male driver, a clean driving record, no claims, Maryland state minimum liability limits, comprehensive and collision coverage, and $500 deductibles.

The first bar for each age group shows the average rate with no discounts. The second bar shows the rates with vehicle safety, passive restraint, defensive driving course, multiple policy, anti-theft, and multiple vehicle discounts applied. In this example, the the average yearly reduction on auto insurance for uninsured drivers is 28% or $530.

How to find economical auto insurance for uninsured drivers

Here are some money-saving solutions that can help you locate lower-cost coverage.

• Choose a safer vehicle and pay lower rates
• Raise your deductibles
• Save money by insuring older vehicles for liability only
• Save money by observing traffic laws and speed limits
• Avoid preventable accidents
• Pay lower rates with good credit
• Compare rate quotes frequently

The last suggestion is particularly necessary, as we emphasized in the prior article. Car insurance rates can change considerably in a year, so don’t be afraid to buy a different policy if a more affordable rate is found.

Having a favorite company is great, but we do not recommend it if that stubbornness costs you a considerable chunk of change every month. If you have a few minutes, now is a great time to compare rates and find cheaper auto insurance for uninsured drivers.