The Best Car Insurance in Maryland for 2023

COMPANY HIGHLIGHTS

Travelers provides safe driving discounts to those who have had no accidents or traffic violations in the previous three to five years. Discounts are also available for bundling multiple insurance policies, such as home/condo insurance and renters insurance, with your auto insurance. Moreover, insuring two or more cars on a Travelers policy may also qualify you for a discount.

Owning or leasing a hybrid vehicle may qualify for a hybrid car insurance discount from Travelers. Additionally, Travelers' auto insurance discounts may also be available to new customers who get a quote before their current policy expires. How far in advance you shop may determine whether or not you qualify for a discount.

The insurer even offers a loyalty discount to long-time customers.

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Insuring young drivers can be extremely expensive. However, young drivers are more likely to file claims, and customer-centric companies will be advantageous for them. Companies that aren’t as customer-service-oriented may prove to be more difficult to work with in the event your teen needs help with their policy.

Allstate’s advantages are its excellent financial stability ratings and lower rates. This insurer provides discounts that are advantageous to a teen driver or a student. Full-time students with good grades can get an insurance discount. You're also entitled to discounted rates for completing the teenSMART driver education course. In addition, student policyholders attending school more than 100 miles from where their car is parked are also eligible for lower rates on their insurance.

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There is often a difference in the premiums seniors pay for auto insurance compared to younger drivers. Due to their health risks and shorter life expectancy, seniors usually pay higher premiums.

In spite of this, Erie Insurance charges a reasonable fee for its high-quality service and satisfied customer base. It ranked highly in customer satisfaction and claims.

Additionally, Erie provides accident forgiveness coverage. By adding accident forgiveness to your car insurance, you can prevent your price from going up if you have an accident. Erie does not impose a surcharge the first time you're at fault when you've been claims-free for three years.

Bundling discounts are also available through Erie. Insuring multiple cars or having multiple policies with Erie may qualify you for discounts (such as life insurance and home insurance).

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Travelers offers the most affordable auto insurance in Maryland for people with a poor driving record at about $2,490 per year.

Travelers’ coverages are available to you even if you have a violation on your driving record:

• Roadside Assistance: Travelers’ add-on coverage for roadside assistance can help you if you become stranded due to your car's roadside emergency, such as a dead car battery.
• Rental Car Reimbursement: Rental reimbursement pays for a rental automobile if your car is damaged in a covered accident and is undrivable for more than 24 hours.
• New Car Replacement: Travelers’ Premier New Car Replacement add-on coverage pays to replace your automobile with a brand new car if it is totaled during the first five years.
• Accident Forgiveness: Travelers' Responsible Driver PlanSM includes accident forgiveness coverage that protects you from premium hikes if only one accident happens within a set time frame.

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Aside from offering some of Maryland's most affordable insurance policies, USAA is known for its outstanding customer service. The company has a solid national reputation.

USAA provides the following perks to its policyholders:

• Accident Forgiveness: If you are accident-free for five years at USAA, you will not be charged an insurance surcharge for the first at-fault accident by having this add-on coverage on your policy.
• Roadside Assistance: By paying additional premiums, you can obtain this add-on coverage so that USAA will pay for towing, car unlocking, jumpstarting, flat tire replacement and delivering gasoline during a roadside emergency.
• Vehicle Storage Discount: USAA policyholders can get a discount for their garaged car that is insured by the company.
• Mileage Discount: Drivers under the age of 29 are eligible for discounted rates depending on how many miles they drive in a year.

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New drivers will benefit from Travelers because it offers new car replacement coverage. Your car starts losing its value from the time you drive it off the lot. Furthermore, if it gets involved in an accident, its value drastically reduces. With this coverage, you will be able to get back on the road quickly without having to worry about depreciation deductions.

Travelers is the most affordable insurer and has good claims and affordability ratings that make it a great choice for those with new cars. With Travelers' premier New Car Replacement coverage, you will be paid to buy a brand new vehicle of the same make and model, even if your new car is totaled within the first five years.

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For Maryland drivers who don’t drive much, Nationwide offers its SmartMiles program. To calculate rates, a base rate and a variable rate is used that changes according to the number of miles traveled. As part of this program, you also get a discount based on your driving behavior. Up to 10% discount is available for safe driving. For road trips, only the first 250 miles per day count toward your daily mileage.

People who rarely drive their vehicles will benefit from this discount program. You may be a great candidate for SmartMiles if you live in a city and use public transportation or if you work remotely and do not commute daily. Having an extra car that you occasionally use might be another reason to consider SmartMiles.