Car Insurance for Maryland Drivers
Welcome to the AARP® Auto Insurance Program from The Hartford,1 Maryland drivers! If you are looking to request a car insurance quote, or need information on Maryland car insurance requirements, you’ll find what you need right here. The Hartford has been protecting Maryland AARP members and their families with car insurance since 1984.
Whether you live on the Eastern Shore of Maryland or near the historic Antietam National Battlefield, The Hartford knows it’s important for experienced drivers like you to feel protected as you travel along Maryland’s roadways. With a reputation for integrity and trust and high customer ratings for claims services, you can count on car insurance from The Hartford to be there when you need it most.
Car Insurance Benefits Offered to Maryland Drivers
Maryland drivers could receive valuable car insurance benefits from the AARP Auto Insurance Program from The Hartford. Our car insurance benefits for Maryland drivers include:
12-month Rate Protection on their car insurance policy
New Car Replacement§§
24/7 Claim Service
Required Car Insurance Coverages in Maryland
Maryland state law requires liability car insurance 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
Maryland Uninsured Driver Facts
According to a 2012 Insurance Research Council report, 12.2 percent of Maryland drivers don’t have car insurance. This is slightly below the national average of 12.6% 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.
Your uninsured/underinsured motorist car insurance 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.
Proof of Car Insurance for Maryland Drivers
Maryland drivers must keep their proof of car insurance and registration in their vehicle at all times. Electronic proof of car insurance is also accepted in the state of Maryland, and The Hartford offers a mobile app to store your car insurance ID cards right on your phone. Visit the App Store™ or Google Play™ for more information.
Additional Car Insurance Coverages Available to Maryland Drivers
In addition to the car insurance coverage required by Maryland state law, the AARP Auto Insurance Program from The Hartford offers the following car insurance coverage 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:4
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 teenagers 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.