Seguro para autos de Maryland

maryland car insurance
Cotización
Descubra los descuentos y beneficios con el Programa de Seguros para automóviles de AARP de The Hartford.

Car Insurance Quotes for Maryland Drivers

If you’re looking for a cotización de seguro para autos or need information on Maryland car insurance requirements, you’ll find what you need right here with the AARP® Auto Insurance Program from The Hartford.1 We’ve been protecting Maryland AARP members and their families with car insurance since 1984.
 
Maryland has so much to offer. Whether you’re headed to cheer on your favorite sports team, checking out the historic Antietam National Battlefield or setting out to spend the day at the beach, The Hartford is here to keep you protected behind the wheel. Have confidence as you travel along Maryland’s roadways with Maryland car insurance that has your back. We’re an insurance company with a reputation for integrity and trust. Since we have high customer ratings for claims services, you can count on Maryland auto insurance from The Hartford to be there when you need it most.
 

Car Insurance Benefits Offered to Maryland Drivers

In addition to affordable car insurance rates, Maryland drivers can receive valuable car insurance benefits and discounts from the AARP Auto Insurance Program from The Hartford. Our car insurance benefits for Maryland drivers include:
 
  • New Car Replacement§§
  • Accident Forgiveness
  • Disappearing Deductible
  • Servicio de reclamaciones 24/7

What Are the Minimum Requirements for Car Insurance in Maryland?

Liability car insurance requirements in Maryland specify you must have coverage at the following minimum limits:2
 
  • $30,000 for bodily injury, per person, per accident
  • $60,000 for bodily injury, total per accident
  • $15,000 for property damage per accident

Proof of Car Insurance for Maryland Drivers

If you’re a licensed driver in the state of Maryland, it’s smart to keep a copy of your car insurance ID card in your vehicle, along with your registration. Maryland is also among several states that accept electronic proof of car insurance. With The Hartford mobile app, you can store your car insurance ID cards right on your phone. For more information, visit the Google Play™ or App Store.™
 

Maryland Uninsured Driver Facts

According to a 2021 Insurance Research Council report, 14.1% of Maryland drivers don’t have car insurance. This is slightly above the national average of 12.6% of drivers without car insurance.3
 
Maryland requires you to carry uninsured/underinsured motorist car insurance coverage to help with your medical bills after an accident caused by either an uninsured driver or a driver who does not have adequate car insurance coverage to pay your medical bills. Without uninsured motorist coverage, you could end up paying out of pocket. Your uninsured/underinsured motorist bodily injury (UMBI) coverage must have the minimum coverage amounts of:
 
  • $30,000 per person
  • $60,000 total per accident
Maryland drivers can have confidence in their car insurance coverage with the AARP Auto Insurance Program from The Hartford.
 

Maryland Auto Insurance Costs

Your auto insurance rates are determined by many factors, including the state where you live. In Maryland, the average car insurance costs in 2018 were around $1,212. However, car insurance companies will calculate your rates based on additional factors like your driving history and the coverage limits you choose. 
 

Is Car Insurance in Maryland Expensive?

Maryland does not have the cheapest car insurance in the nation. However, the average cost of Maryland car insurance is only slightly higher than the national average of $1,057 per year.4
 

Additional Maryland Car Insurance Coverages Available to Drivers

In addition to the car insurance coverage limits required by Maryland state law, the AARP Auto Insurance Program from The Hartford offers the following cobertura de seguro para autos for additional protection:
 

Beyond Car Insurance: Staying Safe on Maryland Roads

As you travel through Maryland, there are a number of safe driving laws meant to protect you on Maryland’s highways and byways. Here are just a few:5
 

Maryland Seat Belt Laws:

Maryland is one of many states that have a primary seat belt law – which means you can be pulled over and ticketed just for not wearing a seat belt.
 

Maryland Distracted Driving Laws:

Maryland has a number of laws in place to discourage distracted driving:
 
  • Hand-held cell phones are banned for all drivers in the state of Maryland.
  • New drivers in Maryland are not allowed to use hand-held or hands-free cell phones.
  • Texting while driving is banned in the state of Maryland.

Maryland Teen Driver Laws:

Getting a driver’s license is a rite of passage for all teenagers and Maryland wants to be sure they stay safe in the process. Maryland has implemented graduated licensing laws to ensure that teens gain the experience and maturity that’s required to be safe behind the wheel. Graduated licensing laws limit nighttime driving, restrict teen passengers and ensure an adequate amount of supervised driving practice.
 

Get Free Car Insurance Quotes in Maryland From The Hartford

To help keep you safe while you’re out on the roads, The AARP Auto Insurance Program from The Hartford offers car insurance that has your back. To learn more about car insurance in Maryland, get a cotización de seguro para autos today. We can help you get the coverage you need at the right price.
 

Other Maryland Coverage Links

 
Last Updated: October 16, 2023
 
2 Maryland Department of Transportation Motor Vehicle Administration, “Vehicle Registration and Titling Questions”
 
3 Insurance Information Institute, “Facts + Statistics: Uninsured motorists”
 
4 Insurance Information Institute, “Facts + Statistics: Auto insurance”
 
5 Governors Highway Safety Association, “States”
** Los montos de ahorro promedio se basan en información comunicada por los clientes que se cambiaron a The Hartford desde otras compañías entre 9/1/22 y 8/31/23. Su ahorro puede variar. El ahorro promedio en el seguro para automóviles es de $577 y el ahorro promedio en el seguro de viviendas es de $236. Las diferencias de tarifas entre los afiliados y los no afiliados de AARP varían según el estado y la antigüedad de los afiliados de AARP. El descuento para auto y vivienda está disponible solo para asegurados que tengan tanto su seguro para auto y vivienda (o condominios y arrendatarios) por medio de los programas de seguros para autos y de viviendas AARP de The Hartford. .The Hartford no suscribe nuevos negocios en todas las áreas, incluidos los estados de CA y FL.
 
§ La disponibilidad del beneficio RecoverCare y los niveles del beneficio varían según el estado. The Hartford RecoverCare Advantage® es una marca registrada de The Hartford.
 
§§ Se aplican términos y condiciones.
 
Se aplican términos y condiciones. La exención por accidente y la desaparición progresiva del deducible no están disponibles para asegurados de California.
 
‡‡ Se aplican términos y condiciones. La disponibilidad varía según el estado.
 
Divulgaciones adicionales a continuación.
definición del seguro para automóviles

Explicación simple sobre el seguro para autos

Respuestas rápidas y definiciones de seguro para automóviles fáciles de entender pensadas para usted.
 
Para conocer más, visite nuestra página de definiciones del seguro para automóviles .
Los resúmenes de las coberturas y las características de las pólizas son únicamente para fines informativos. En caso de que se produzca una pérdida, los términos y condiciones reales establecidos en su póliza determinarán su cobertura.
 
AARP y sus afiliadas no son aseguradoras. Endoso pagado. The Hartford paga regalías a AARP por el uso de su propiedad intelectual. Estos cargos se utilizan para los fines generales de AARP. En la mayoría de los estados, es necesario ser miembro de AARP para ser elegible para participar en el Programa.
 
El programa de seguros para automóviles de AARP de The Hartford está respaldado por Hartford Fire Insurance Company y sus afiliados, One Hartford Plaza, Hartford, CT 06155. Está avalado en AZ, MI y MN por Hartford Insurance Company of the Southeast; en CA por Hartford Underwriters Insurance Company; en WA por Hartford Casualty Insurance Company; en MA por Trumbull Insurance Company; y en PA por Nutmeg Insurance Company y Twin City Fire Insurance Company. El programa de seguros para viviendas de AARP de he Hartford está respaldado por Hartford Fire Insurance Company y sus afiliados, One Hartford Plaza, Hartford, CT 06155. Está subscrito en AZ, MI y MN por Hartford Insurance Company of the Southeast; en CA por Property and Casualty Insurance Company of Hartford; en WA por Trumbull Insurance Company; en MA por Trumbull Insurance Company, Sentinel Insurance Company, Hartford Insurance Company of the Midwest, y Hartford Accident and Indemnity Company; y en PA por Nutmeg Insurance Company. El producto para viviendas no está disponible en todas las áreas, entre las que se incluye el estado de Florida. Los ahorros, los beneficios y las coberturas disponibles pueden variar y es posible que algunos solicitantes no sean elegibles. El programa no está actualmente disponible en Canadá, ni en los territorios o posesiones de Estados Unidos.
 
1 En Texas, el programa para automóviles está respaldado por Redpoint County Mutual Insurance Company a través de Hartford of the Southeast General Agency, Inc. Hartford Fire Insurance Company y sus afiliados no son responsables financieramente por los productos de seguros suscritos y emitidos por Redpoint County Mutual Insurance Company. El programa para viviendas está respaldado por Hartford Insurance Company of the Southeast.
 
* Los comentarios de los clientes son recolectados y tabulados por The Hartford y no representan a todos los clientes.