Whether taking the drive to get in some birdwatching, visiting an alpaca farm or catching a game at Camden Park, Maryland accommodates visitors year-round. This little state is packed with American culture and history, and traveling one of its 18 historic byways can give drivers a sense of stepping back in time. From harbors to horse races, burgers to bicycles, one can always find something to do in “The Free State”. CheapCarInsurance.net wants to make time for drivers to do just that. This list has been compiled to bring together all of Maryland’s car insurance information and provide a one-stop shop for the state’s drivers.
Car Insurance Quotes for Maryland
Montgomery County Car Insurance
Home to more than 1 million residents, Montgomery County is one of the most affluent in the country, as well as the most educated. Most residents live in unincorporated communities, with Germantown among the most populous.
The county's tagline is "Maryland's Gateway to the Nation's Capital," referring to its proximity to Washington, D.C. Considered an inner suburb of the District, Montgomery County is home to numerous government offices and scientific research centers. Its largest city and county seat is Rockville, where the Town Square draws weekend visitors for shopping, live entertaining and dining.
Prince George's County Car Insurance
Often called "P.G. County," Prince George's County is the second most populous in Maryland, home to a U.S. Military base and the U.S. Census Bureau, among other government facilities. The county seat is Upper Marlboro, roughly 20 miles from Washington, D.C. Named after Prince George of Denmark, the county borders the Eastern portion of D.C.
On the banks of the Potomac is National Harbor, a picturesque retail and entertainment area featuring a ferris wheel. The University of Maryland is located in College Park, which is also home to the National Oceanic and Atmospheric Administration Center for Weather and Climate Prediction.
Baltimore County Car Insurance
Independent of the city of the same name located within its borders, Baltimore County is the third most populous in Maryland. The county seat is Towson, an unincorporated area just north of the City of Baltimore.
Located in Towson, Hampton National Historic Site is part of the National Park Service and open to visitors. The Castle at Maryvale in Lutherville was built in 1916, modeled after Warwick Castle in England, and Clear Meadows Farm in White Hall features 300 scenic acres of sunflowers that bloom every summer, peaking in late August and early September.
Baltimore City Car Insurance
The largest city in Maryland, Baltimore is also the largest city in the nation that is independent of a county. With the second largest seaport in the Mid-Atlantic, Baltimore is often described as a "city of neighborhoods." Its top employers are Johns Hopkins University and Hospital.
Known for its role in the inspiration of the National Anthem, Fort McHenry is located at the mouth of Baltimore's Inner Harbor, which is also home to the National Aquarium. Other top attractions include Oriole Park at Camden Yards, Fort McHenry National Monument, the American Visionary Museum and Walters Art Museum. The B&O Railroad Museum is considered a must for train-lovers, housing the largest collection of 19th Century locomotives in the U.S.
Anne Arundel County Car Insurance
Just south of Baltimore, Anne Arundel is located on Chesapeake Bay, named for a member of the ancient family of Arundells (slightly different spelling), who married the second Lord of Baltimore.
Often touted as "the sailing capital of the world," Annapolis is the state capital and county seat. The 18th Century Whitehall Mansion is open to the public on 115 waterfront acres, and U.S. Naval Academy's Bancroft Hall offers views of downtown. In Chesapeake Bay, vendors sell almost as many crabcakes during a typical lunch hour as hot dogs and hamburgers combined.
Howard County Car Insurance
The affluent central Maryland Howard County is home to an estimated 287,000. It includes Columbia, a master-planned community that opened in 1967. Founded in 1772, the county seat, "Old Ellicott City," as it is known is a well preserved and bustling area for visitors.
Often called "one of the most haunted small towns on the East Coast," Ellicott City hosts a number of ghost tours. The Belmont Manor and Historical Park is a county-owned mansion open to the public for scheduled events. In Columbia, Lake Kittamaqundi is a scenic park flanked by a variety of restaurants, with summer concerts and paddleboat rentals.
Harford County Car Insurance
Along the Susquehanna River to the east and Pennsylvania border to the north, Harford County is home to about 245,000. The county seat is Bel Air, a small town a few miles north of Interstate 95. Because of its location at the top of Chesapeake Bay, the town of Havre de Grace was once considered as the U.S. capital.
Havre de Grace, or "HdG," as it is often called, is home to attractions such as the Bahoukas Antique Mall and Beer MuZeum, containing the region's largest collection of beer and alcohol-related items, as well as the second oldest tower lighthouse on the Chesapeake Bay. Among Harford County's more infamous places is Tudor Hall, birthplace of Abraham Lincoln's assassin, John Wilkes Booth.
Frederick County Car Insurance
Centered around the county seat of Frederick, Frederick County extends up to the Pennsylvania border. An outlying county affected by population growth in Washington, D.C., its wooded hills are home to Camp David, the presidential retreat about an hour north the nation's capital. The county's namesake is unknown.
Among public attractions are Cunningham Falls State Park, located in the Catoctin Mountains near Camp David. The 250-acre Lilypons Water Garden is a popular destination for picnics and sightseeing, and the Roddy Road covered bridge is an oft photographed and visited feature just north of Thurmont.
Carroll County Car Insurance
Just northwest of Baltimore at the Pennsylvania border, Carroll County is home to an estimated 167,000. Still mostly rural, parts of the county have become suburbs in recent years. Westminster, the county seat, is within an hour's drive of both Baltimore and York, Penn.
Carroll County is the site of the headquarters of Jos. A. Bank Clothiers, one of its largest employers. Francis Scott Key, writer of the Star Spangled Banner, was born at his family plantation in Carroll County. Heritage and outdoor recreation make up much of its tourist trade. In the small town of Hampstead is Cascade Lake, a natural swimming hole with water slides, platforms, paddle-boating and diving.
Charles County Car Insurance
Its western and southern borders formed by the Potomac River that flows around it, Charles County is home to about 147,000. Its seat is La Plata, a small residential community whose downtown was destroyed by a tornado in 2002. Many residents of Charles County commute to Washington D.C., Baltimore and nearby Andrews Air Force Base.
Charles County has hundreds of miles of shoreline. Among historic places in the community of Waldorf is the Dr. Samuel Mudd House and Museum, the home where John Wilkes Booth stayed with a broken leg after the Lincoln assassination.
Car insurance quotes are for one car and one driver who has state minimum coverage with $500 comprehensive and collision deductibles. The hypothetical driver is 40 years old, female, married, employed, a college graduate, and has good credit. She has no moving violations, claims, or lapse in coverage. The vehicles are assumed to be garaged on premises, used primarily for commuting, and driven 16,000 miles per year. Car insurance quotes include commonly available discounts and are estimates and not guaranteed.
Average Car Insurance Premiums
NAIC.org’s report shows that Maryland typically mirrors the nation’s changes in insurance premiums although at different levels. For instance, Maryland’s average insurance premiums are above the national average while the state’s premiums as a percentage of income tend to be below. In 2012 and 2013, though, premiums as a percentage of income rose slightly above the national average.
Drunk Driving Fatalities
Although the National Highway Traffic Safety Administration reports that Maryland’s drunk driving fatalities rose dramatically in 2011, the number has since declined. Maryland is now below the national average.
Teen Drinking and Driving
Center for Disease Control indicates that Maryland slightly surpasses the national average in teen drinking and driving percentage.
Vehicular Theft in Maryland
Maryland’s auto theft has been above the national average with the exception of 2013, but the FBI has reported its numbers are dropping. While still above the nation in vehicle thefts, Maryland improved its numbers.
LAWS & REGULATIONS
Car insurance laws and regulations can be intimidating, so by organizing it all in an easy-to-follow list, CheapCarInsurance.net has made it that much easier.
Minimum Requirements for Car Insurance in Maryland
- The Maryland Insurance Commissioner has helped Maryland motorists stay protected by requiring that every vehicle be covered by minimum liability insurance , personal injury protection and uninsured motorist insurance .
- Liability Coverage minimums:
- $30,000 per single bodily injury or death.
- $60,000 per multiple bodily injury or deaths.
- $15,000 for property damage.
- Medical Payments minimums:
- $250,000 for multiple medical coverage
- Uninsured Motorist minimums:
- $30,000 per person
- $60,000 per accident
New Driver Licensing Requirements:
- Maryland’s Driver Manual points out that all new drivers must complete the Rookie Driver/Graduated License System (GLS) to obtain a Maryland drivers license. The GLS consists of three parts: 1. Learner’s Instructional Permit, 2. Provisional License, 3. Driver’s License.
- Instructional Permit. This permit must be held for a minimum of 9 months and is valid for 2 years. Applicants at least 15 years, 9 months of age are eligible, and applicants under 18 must have a parent’s/legal guardian’s approval. If under 16 years, applicants must submit a Learner’s Permit School Attendance Certification Form to verify enrollment or graduation. Applicants also must pass a vision and knowledge test. While holding this permit, the following applies:
- The applicant must complete 60 hours of supervised driving with 10 hours occurring during the period beginning 30 minutes before sunset to 30 minutes before sunrise.
- If the driver is at least 25 years of age, he/she may be eligible to take the road skills test after 45 days of holding the permit. This applies if the applicant has completed an approved driver education course, and has logged at least 14 hours of supervised driving with 3 hours occurring during the period beginning 30 minutes before sunset to 30 minutes before sunrise
- Provisional License. To hold a provisional license, the applicant:
- Must be at least 16 years, 6 months of age
- Must have completed a driver education course
- Must submit a complete supervised driving log
- Must have a valid Maryland Learner’s Permit which he/she has held for at least 9 months
- Must have a clean driving record
- Must pass the road skills test
- Driver’s License. To hold a drivers license, the applicant:
- Must be at least 18 years of age
- Must have held a provisional license for 18 months with no violations
- Vision Exam. Although certain restrictions apply and applicants may have driving privileges if they do not meet the standards listed here, all applicants must pass the vision test. A visual acuity of at least 20/40, a field of vision of 140 degrees and binocular vision are required for an applicant to pass. Corrective lenses may be worn, and the issued license will reflect the restriction.
- Knowledge Test. All information included in the knowledge test is contained in the Maryland Driver’s Manual. The test is automated and timed.
- Road Skills Test. The road test covers a variety of different driving tasks, each designed to evaluate the driver’s control of the vehicle. The vehicle used must be license, insured and in good working condition. The test administrator is the only passenger allowed in the vehicle, and he/she will grade the test upon completion. The administrator can terminate the test at anytime for any reason.
- Fees. The following fees apply for every applicant:
- Learner’s Permit: $50 (includes conversion to full license)
- New Drivers License for under 21 years of age: $9 per year
- New Drivers License for 21 or over: $72
- BAC limit: .08 Maryland’s Motor Vehicle Administration defines DUI as BAC .08 and DWI as BAC .07. DWI penalties are typically less severe, and listed here are the major penalties for DUI convictions in Maryland:
- First Offense:
- Fine: maximum $1,000
- Jail: maximum 1 year
- License revocation: 6 months
- Second Offense:
- Fine: maximum $2,000
- Jail: 2 days minimum and 2 years maximum
- License revocation: 12 months
- License suspension: 1 year
- Ignition Interlock: 3 – 12 months
- Alcohol Abuse Assessment and program
- Third Offense:
- Fine: maximum $3,000
- Jail: maximum 3 years
- License revocation: 18 months
- Maryland also utilizes the points system on state licenses. Each offense adds points to the license, and multiple fees are required to re-instate a license that has been revoked.
Texting & Driving Laws
Distraction.gov reports that all cell phone use is banned from novice drivers and bus drivers, while texting is banned from all drivers.
Apparently Maryland has had some interesting encounters with animals in its history. A few laws that make this evident include the prohibition of taking a lion to the movies. Also, oysters may not be mistreated, and chickens are not allowed in hotel rooms. And while driving through the state, remember that it is illegal to swear while on the roadway!