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Maryland Insurance Quotes: Best Value Around?


Maryland insurance quotes are not the cheapest in the country, but they might just offer the best value. The truth is that the demographics and relative affluence of the Old Line State almost guarantee higher insurance costs. Living right next to D.C., by far the most expensive place in the country for insurance, probably doesn’t help, either. But, despite these inherent disadvantages, Maryland insurance is able to deliver competitive rates for fairly sound coverage for your home, auto, health, life and business insurance . Of course, these average costs and relative value may not make shopping for insurance quotes any easier, especially if you’re trying to pinch every dollar off of your premiums. So here’s what you need to know about the most common types of Maryland insurance quotes, as well as how to use NetQuote to help make sure you’re getting the best value for your insurance dollar.

Common Types of Maryland Insurance Quotes

    • Maryland Car Insurance: In 2007, the average annual premium for car insurance in Maryland was $922, compared to $795 nationwide, according to the National Association of Insurance Commissioners. Maryland car insurance isn’t cheap, but perhaps the real surprise is that it doesn’t cost more than it does. According to a recent GMAC Insurance survey, Maryland was tied for 40th for states with the worst drivers. Moreover, population density is one of the strongest correlations to car insurance rates, and Maryland is the fifth most densely populated state. And, with solid 20/40/10 coverage for insurance minimums, the fact remains that Maryland car insurance companies deliver sound value for your insurance dollar.
    • Maryland Homeowners Insurance: According to the NAIC, the average annual cost of Maryland homeowners’ insurance was $721 in 2006, compared to $804 nationwide. Maryland residents enjoy these lower insurance rates despite median home prices that rank in the top ten, year in and year out. Of course, this doesn’t mean Maryland homes aren’t at serious risk. Severe weather is always just around the corner when you live on a coast. Moreover, if you live in a floodplain, you’ll need to purchase supplemental flood insurance. Nevertheless, Maryland home insurance companies deliver the same sound value as their car insurance counterparts.
    • Maryland Health Insurance: Healthcare expenditures per capita were slightly higher in Maryland than nationwide, most likely because Maryland also has a lower rate of uninsured residents. The bad news is that this lower uninsured rate is largely due to a higher percentage of employer-assisted insurance, which means more residents have become uninsured due to high levels of unemployment. The good news is that at the end of 2009, Maryland’s unemployment rate was 7.2%, while U.S. unemployment was at 10.0%. Nevertheless, if you’ve lost your employer-assisted Maryland health insurance, you can still find coverage with one of the 10 or so companies that offer health insurance plans in the state of Maryland.

Finding Maryland Insurance Quotes

Finding Maryland insurance is not the hard part. Trying to choose the best insurance provider and shopping for policies that meet your coverage needs and financial resources is the hard part. NetQuote can help. Fill out our brief online form, and we’ll match you with the Maryland insurance companies that best fit your needs. Better yet, you’ll be able to review quotes and carefully consider different policies from the comfort of your own home, far removed from the high pressure sales situation that too commonly results from speaking to insurance agents face-to-face.

Maryland Insurance Information By City:

Baltimore Silver Spring Bowie
Columbia Frederick Gaithersburg
Towson Dundalk Wheaton-Glenmont
Ellicott City

Local Insurance by State

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