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Looking for cheap insurance in Maryland? Don’t compromise. Let ValChoice help.

ValChoice is the #1 independent insurance comparison website. Our cost calculators help you find the best auto insurance and homeowners insurance companies in Maryland. Enter your information below to get insurance quotes and compare car insurance and home insurance companies.

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Maryland Insurance Laws and Regulations

The Maryland Insurance Administration develops and enforces insurance laws for the state. Consumers can contact the department with questions and complaints about their auto and home insurance. If you do not receive the service you expect from your insurer, you can file a complaint directly with the Maryland Insurance Administration. The state of Maryland does not share complaint information for consumers to use when making purchase decisions.

Important Laws

A summary of the driving safety laws for the state of Maryland can be found at this link. The information includes a summary of the laws affecting people driving cars, or riding motorcycles or bicycles while using cell phones or texting. Also included are the requirements for child safety seats, wearing a helmet and being under the influence while operating a vehicle in the state of Maryland.

The Maryland Statute of Limitations defines the time limit following an accident when you can file a lawsuit. Once this time limit has passed, you can no longer file a lawsuit.

Hurricane deductibles may be invoked across the entire state when there is a hurricane warning in any part of the state. Homeowners that make qualifying improvements to their home to mitigate hurricane damage can receive premium discounts.

Maryland has minimum auto insurance amounts that are required by law. The table below shows the MD minimum car insurance limits.

Minimum Car Insurance Coverage Required in Maryland

Minimum Coverage
Bodily Injury, per person 30,000
Bodily Injury, per accident 60,000
Property Damage 15,000

Resources Available to Consumers

The Maryland Small Claims Court is available for consumers to resolve issues, without needing to hire an attorney. This link to the small claims court provides more information, including the dollar limit of claims that can be made in this court.

The Federal Emergency Management Agency (FEMA) is for disaster victims who are uninsured, don't have enough insurance coverage or the victim of a flood.