Maryland Car Insurance

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Discover savings and benefits with the AARP® Auto Insurance Program from The Hartford.
 

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Discover savings and benefits with the AARP® Auto Insurance Program from The Hartford.
 

Get a Quote

Discover savings and benefits with homeowners insurance from The Hartford.
 

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
  • Lifetime Renewability
  • New Car Replacement§§
  • Accident Forgiveness
  • Disappearing Deductible
  • 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:
 
  • Comprehensive
  • Collision
  • Roadside Assistance
  • Rental Reimbursement
  • Medical Payments

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.
 
 
 
 
§ Availability of RecoverCare benefit and benefit levels vary by state. The Hartford RecoverCare Advantage® is a registered mark of The Hartford.
 
If you are age 50 or older, once you're insured through this Program for at least 60 days, you cannot be refused renewal as long as applicable premiums are paid when due. Also, you and other customary drivers of your vehicles must retain valid licenses, remain physically and mentally capable of operating an automobile, have no convictions for driving while intoxicated and must not have obtained your policy through material misrepresentation. Benefit currently not available in HI, MI, NH, NC and TX.
 
§§ Limitations apply.
 
First Accident Forgiveness and the Disappearing Deductible, are only available with the Advantage Plus package. A policy without these benefits is also available. (Call for details.) To qualify for the Accident Forgiveness benefit in most states, all drivers on the policy must have a clean driving record (no accidents or violations) for five consecutive years. First Accident Forgiveness is not available to CA policyholders. To qualify for the Disappearing Collision Deductible benefit in most states, all drivers on the policy must have a clean driving record for three consecutive years. NY drivers are not eligible for the complete disappearance of the deductible, although it will be reduced to a minimum of $100. The Advantage Plus package option, the Disappearing Deductible benefit and the Accident Forgiveness benefit are not available in all states.
 
‡‡ One Deductible applies for any Home policy (Home Advantage or not) if Auto policy is also insured with The Hartford and includes the Advantage Plus package coverage.
 
Additional disclosures below.

The Hartford Center for Mature Market Excellence

Learn more from our experts about being safe on the road and at home.
 
AARP and its affiliates are not insurers. Paid endorsement. The Hartford pays royalty fees to AARP for the use of its intellectual property. These fees are used for the general purposes of AARP. AARP membership is required for Program eligibility in most states.

The AARP Automobile & Homeowners Insurance Program from The Hartford is underwritten by Hartford Fire Insurance Company and its affiliates, One Hartford Plaza, Hartford, CT 06155. In California, the Program is underwritten by Hartford Underwriters Insurance Company. In Washington, the Auto Program is underwritten by Hartford Casualty Insurance Company, and the Home Program is underwritten by Trumbull Insurance Company. In Michigan, the Auto and Home Programs are underwritten by Trumbull Insurance Company. In Minnesota, the Auto Program is underwritten by Sentinel Insurance Company, and the Home Program is underwritten by Trumbull Insurance Company. In Pennsylvania, the Auto Program is underwritten by Trumbull Insurance Company, and the Home Program is underwritten by Hartford Underwriters Insurance Company. Homeowners product is not available in all areas, including the state of Florida. Specific features, credits and discounts may vary and may not be available in all states in accordance with state filings and applicable law. Applicants are individually underwritten and some may not qualify. The program is currently unavailable in Massachusetts, Canada and U.S. Territories or possessions.

1 In Texas, the Auto Program is underwritten by Southern County Mutual Insurance Company through Hartford Fire General Agency. Hartford Fire Insurance Company and its affiliates are not financially responsible for insurance products underwritten and issued by Southern County Mutual Insurance Company. The Home Program is underwritten by Trumbull Insurance Company.