Maryland allows insurers to consider your credit score when determining your insurance premium, with some limitations. A poor credit score or history can significantly increase how much you pay for a new policy, but a drop in your score cannot be used to increase your premium once it has been established.
Yes, Maryland offers discounts to good drivers. A good driver is typically one who has not had any traffic accidents or violations in the past three years. Other common discounts include:
- Safety Devices
- Anti-Theft Devices
- Multiple Policies
- Good Student
- Driver Education Course Completion
- Employee or Membership Discounts
- Home Ownership
As the 35th state to allow electronic insurance cards, Maryland permits drivers to show evidence of insurance on their mobile devices when asked for proof of coverage by a law enforcement officer. Drivers may still use paper cards if desired.
It's against the law to drive while uninsured in Maryland. If your coverage lapses, you'll receive a fine that increases the longer you're without coverage, up to $2,500 per vehicle. Additionally, your registration will be suspended, and driving with a suspended registration can lead to your vehicle being impounded and other penalties.
It is illegal for individuals to operate a motor vehicle with the following
- .08%+ at 21 years old or older
- .04%+ for commercial vehicle drivers
- .02%+ at under 21 years old
Maryland's impaired driving laws are strict and aggressively enforced. You can be found impaired while under the influence of legal as well as illegal drugs, including alcohol, prescription medications, over-the-counter drugs, and recreational drugs.
Refusal to take a test ordered to determine your blood alcohol or drug concentration levels can result in the confiscation of your driver's license. This same penalty applies if you fail a chemical test.
Potential penalties for driving while impaired in Maryland include driver's license suspension or revocation, CDL disqualification, fees, mandatory installation of an ignition interlock device, points on your license, jail time, mandatory participation in a drug or alcohol abuse program, and more.
Maryland's Driver Improvement Program (DIP) is in place to provide education and training for those whose driving records or court appearances have required it. Some carriers may offer discounts on their coverage for completion of these classes; ask your representative.
Yes! To reduce your insurance premiums, inquire about all the possible discounts, consider paying your full bill up front instead of in monthly installments, and maintain a good driving record and credit history. And, of course, the best way to save is by shopping around and comparing rates.
Yes, Maryland mandates uninsured motorist coverage at coverage levels in the amount of $30,000 bodily injury per person, $60,000 bodily injury per accident, and $15,000 property damage. This insurance helps protect you against damages caused by a driver who does not have any or enough insurance.