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Maryland home and auto insurance — what you need to know

Buying home insurance or car insurance in Maryland doesn’t have to be a headache. We’ve got you covered with answers to common questions about insurance costs in Maryland, finding the right insurance companies for you in the state, and a few must-knows about Maryland insurance requirements and laws.

Quick facts about Maryland insurance

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Popular insurance companies in Maryland

Home insurance

  • Universal
  • Travelers
  • Safeco
  • Lemonade
  • Branch
  • Progressive / ASI

Car insurance

  • Travelers
  • Progressive/ASI
  • Safeco
  • Branch
  • Clearcover
  • Allstate
Average cost of home insurance in Maryland
$1,438 per year
Average home insurance Coverage A in Maryland
Average home insurance deductible in Maryland
Average cost of car insurance in Maryland
$1,514 per year
Average car insurance deductible in Maryland

Maryland insurance requirements

Home insurance

Home insurance isn’t required by law in Maryland. If you have a mortgage, however, your lender will likely require you to carry insurance. A standard homeowners insurance policy usually includes:

  • Structural coverage — Also known as dwelling coverage, structural coverage protects the primary physical structure of your home.
  • Personal property coverage — This coverage will help replace belongings such as furniture and electronics in the event of a covered loss.
  • Liability coverage — Personal liability coverage protects against medical and legal fees incurred by guests and visitors injured at your home.
  • Additional living expenses — Home insurance generally pays for living expenses — like a hotel or rent — if you’re displaced from your home after a covered event.
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Looking for home insurance in Maryland? Get a quote here.

Car insurance

Maryland requires car insurance for all vehicles. There are also minimum coverage requirements in Maryland, specifically for liability coverage. Liability coverage protects you if you are found to be at fault in an accident. It typically covers damage to objects and other vehicles besides your own (known as property damage liability), and injuries to other drivers and passengers they have in their car (known as bodily injury liability).

Minimum bodily injury requirements

  • $30,000 per person
  • $60,000 per accident

Minimum property damage requirements

$15,000 per accident

Keep in mind that liability coverage doesn’t protect you completely. Other coverages, such as comprehensive and collision, can provide more adequate protection. Learn more about auto insurance coverage here.

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green icon average savings$577 average savings
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Why customers in Maryland choose Matic

  • Shop how you want: Compare rates from 40+ carriers, then buy your policy online or talk to one of Matic’s licensed insurance advisors.
  • Get double support: In addition to your carrier, Matic is an extra insurance advocate there to help you navigate your policy.
  • Skip the extra fees: Because we integrate with carrier platforms, you’ll pay the same price for your policy with Matic as you would by going to the carrier directly.
  • Protect your future: As a Matic customer, you can rely on a network of 40+ carriers to help find a better option if your situation changes in the future.
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How to buy insurance in Maryland

Answer a few questions.

Fill out a single online form to get matched with quotes in just a few minutes.

See your initial estimates.

Review free quotes with the best prices and coverage options for you.

Buy online or talk to a licensed advisor.

Purchase your policy online or over the phone with a licensed Matic advisor.

Pro tip: Our insurance advisors will dig even deeper to unpack more options for you, like carrier discounts, bundling, and more. If you don’t see what you like online, take a few minutes and talk to us!

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Methodology: Home and auto insurance premiums, Coverage A, and customer savings data is based on an average from a subset of Matic customers within the referenced US state and external carrier filings.