Get the auto coverage you need

Maryland requires liability coverage of at least 30/60/15 — that is, $30,000 for injuries per person, $60,000 total per accident, and $15,000 for property damage. Maryland also requires uninsured/underinsured motorist coverage and $2,500 in personal injury protection (PIP). These are legal minimums, not what most drivers actually need — we recommend higher limits for anyone with assets to protect.

Liability pays for damage you cause to other people and their property. Full coverage adds collision (damage to your own car in an accident) and comprehensive (theft, hail, fallen trees, animal strikes). If your car is financed or leased, lenders almost always require full coverage.

The biggest levers are raising your deductible, bundling auto with home, maintaining a clean driving record, improving your credit, and using telematics programs. Annual policy reviews catch cases where your rate drifted up or your coverage no longer matches your life.

Yes. A standard auto policy follows you across state lines for personal travel within the U.S. and Canada. If you're renting a vehicle on a long trip, call us before you go so we can confirm any gaps.

Yes — we write separate specialty policies for motorcycles, boats, ATVs, and golf carts. These aren't automatically covered by your personal auto policy, so if you own any of them, make sure we know.