High-Risk Car Insurance MD

In our analysis, State Farm offers the cheapest high-risk car insurance for young drivers, senior drivers, those with a speeding ticket, an accident or a DUI. Progressive is the most affordable for drivers with bad credit and those with bad credit and driving violations.

*Rates shown are for minimum car insurance policies modifying a base profile of a 40-year-old driver with good credit and no driving violations.

While our table above shows some of the cheapest companies for high-risk insurance, it doesn't cover every unique driver profile. Below, check out a table where you can compare rates from top providers tailored to your specific needs.

Overall, high-risk car insurance costs in Maryland can range anywhere from $86 to $376, depending on your unique combination of pricing factors. Below, you can compare average pricing for your profile by filtering the table.

Securing car insurance as a high-risk driver takes extra effort. This guide explains why insurers consider you high-risk and shows you how to find affordable coverage. We also cover what to do if you're denied coverage.

• A person with a history of traffic violations or at-fault accidents
• You have a conviction for a DUI
• An individual with a suspended or revoked license
• You have little to no driving experience (young drivers)
• You are over 60 (senior drivers)
• A person who drives a sports car or participates in drag racing
• An individual with poor credit or gaps in their insurance coverage

Save money and find the best high-risk car insurance in Maryland:

If you get denied, you can find coverage by getting hold of the Automobile Insurance Plan Service Office (AIPSO).

State Farm, Travelers and Progressive offer affordable high-risk insurance in Maryland based on our research. But you should still shop around to find your best deal. If you get denied coverage, programs like AIPSO can help you get insured. Comparing quotes can save you hundreds of dollars.

Below, we answer common questions about high-risk car insurance in Maryland.

We calculated average rates using full coverage policies with 100/300/100 liability insurance and comprehensive and collision coverage with a $1,000 deductible. Minimum coverage policy rates were calculated based on each state's minimum car insurance requirements that satisfy legal obligations but often leave you financially exposed after serious accidents.

All high-risk profiles are modifications based on our baseline: a 40-year-old driver logging 12,000 annual miles with a clean driving record and good credit. This represents an ideal driver who receives standard rates without surcharges or violations affecting premiums.

High-risk profiles we analyzed include young drivers facing elevated rates due to inexperience, seniors whose age-related rate increases typically begin in their 60s and accelerate after 70, and drivers with bad credit or records of an accident, speeding ticket, or DUI. We also considered combinations of these factors to get a comprehensive view and maintain accuracy with our recommendations, since real-world drivers often experience multiple risk factors simultaneously, like a young driver with a speeding ticket or a senior with poor credit.