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
Average Car Insurance Costs in Maryland
The average cost of car insurance in Maryland ends up around $1,865 a year for full coverage. The costs you will find for auto policies in MD will also depend on your location, driving records, and personal demographics of each driver on the policy. You will also see an auto policy price change based on the city you live in and the vehicle type you drive which is broken down in the table below:
How Much Car Insurance is Required
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
Getting a New Driver’s License
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
DUI & DWI Laws in MD
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:
Fine: maximum $1,000
Jail: maximum 1 year
License revocation: 6 months
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
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.
State Driver Resources:
State Department of Insurance
Maryland Insurance Administration 200 St. Paul Place Suite 2700 Baltimore, MD 21202 (410) 468-2000 Toll Free: 1-800-492-6116 Directions