Best Car Insurance After an Accident in Maryland (10 Standout Companies for 2024)

Get the best car insurance after an accident in Maryland from State Farm, Geico, and Progressive, with monthly starting rates of $71.

These top providers excel at affordable premiums, customizable coverage options, and reliable claims support, which are especially beneficial for drivers’ accident recovery.

Our Top 10 Company Picks: Best Car Insurance After an Accident in Maryland

State Farm is the best auto insurance company because of its reliable service and wide network. Through Geico and Progressive, Maryland motorists can take advantage of flexible discounts and low prices, making coverage extensive.

Explore your car insurance options by entering your ZIP code above and finding which companies have the lowest rates.

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#1 – State Farm: Top Overall Pick

Pros

• Low Monthly Rates: State Farm offers competitive rates for minimum coverage after an accident in Maryland, starting at $71 per month.
• Comprehensive Coverage Options: State Farm Insurance review offers drivers in Maryland a broad safety net of coverage options following an accident.
• Strong Reputation for Claims Support: State Farm is well-known for providing outstanding customer service and handling claims efficiently.

Cons

• Limited Discounts for Multiple Vehicles: Maryland offers discounts for additional cars, but they are probably not as good as those offered by some direct competitors.
• Higher Premiums for Certain Vehicles: State Farm’s premiums can be higher for specific models even with the low starting rates, affecting car owners after accidents in Maryland.

#2 – Geico: Best for Competitive Rates

Pros

• Affordable Rates: Geico offers competitive pricing for minimum coverage after an accident in Maryland, starting at $119 monthly.
• User-Friendly Mobile App: Geico can help users enjoy running policies and filing claims when a car accident occurs in Maryland through a user-friendly mobile app.
• Good Discounts: Geico auto insurance review provides many discounts for responsible drivers and combines policies to reduce costs after an accident in Maryland.

Cons

• Customer Service Variability: Their customer service may sometimes differ while dealing with complex post-accident claims in Maryland.
• Limited Local Agents: Geico’s limited presence of local agents in Maryland might not appeal to those preferring in-person service.

#3 – Progressive: Best for Discount Options

Pros

• Competitive Rates: Progressive offers reasonable starting rates, starting at $103 per month, for minimum coverage after an accident in Maryland.
• Wide Range of Coverage Options: Progressive offers wide coverage options after an accident. That includes roadside service.
• Good for High-Risk Drivers: Progressive Insurance Review is known for offering affordable rates to drivers with prior accidents, helping them get back on the road.

Cons

• Inconsistent Customer Service: Some customers have reported difficulty with the clarity of claims handling after an accident in Maryland.
• Premium Increases: Premiums may rise following an accident, making it less cost-effective in the long term in Maryland.

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#4 – Allstate: Best for Accident Forgiveness

Pros

• Reliable Coverage After Accidents: Allstate auto insurance review is highly rated for offering reliable post-accident coverage, starting at $155 per month.
• Wide Range of Coverage Add-Ons: Allstate offers many options, like roadside assistance and accident forgiveness, which can be added to the coverage following an accident in Maryland.
• Good Customer Satisfaction: Allstate’s claims process and customer service are praised for making navigating after an accident in Maryland easier.

Cons

• Higher Premiums: Starting rates at $155 per month for minimum coverage may be higher than those of other providers in Maryland.
• Limited Discounts for Safe Driving: Allstate’s safe driving discounts may not be as substantial as those offered by competitors for accident-free drivers.

#5 – Farmers: Best for Flexible Coverage

Pros

• Flexible Coverage Options: Farmers provide comprehensive post-accident coverage, starting at $106 monthly for minimum coverage.
• Discounts for Safe Drivers: They provide discounts to safe drivers with no history of damages resulting from accidents in Maryland.
• Good Claims Support: Farmers Insurance Review provides solid customer service and efficient claims handling after an accident in Maryland.

Cons

• Premiums Can Be Higher for Some Drivers: After an accident in Maryland, the rates for certain drivers might still be higher than those of other providers.
• Limited Mobile App Features: The mobile app could be more user-friendly for managing policies after an accident in Maryland.

#6 – Nationwide: Best for Deductible Reduction

Pros

• Affordable Rates: Nationwide provides competitive rates, starting at $87 per month for minimum coverage after an accident in Maryland.
• Great Claims Support: Nationwide is known for being very responsive in processing claims, it makes a fast recovery after accidents easier.
• Comprehensive Coverage Add-Ons: Nationwide offers several add-ons that enhance protection following the accident.

Cons

• Fewer Local Agents: Nationwide’s limited local agents in Maryland might be inconvenient for some policyholders. See more in our guide titled “How do I renew my car insurance policy with Nationwide?“
• Higher Premiums for Certain Coverage: Premiums can be higher for drivers opting for higher levels of coverage after an accident.

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#7 – Liberty Mutual: Best for Custom Coverage

Pros

• Comprehensive Coverage Options: Liberty Mutual provides extensive coverage options for drivers after an accident in Maryland, starting at $130 per month.
• Strong Claims Handling: Liberty Mutual have a excellent claim handling records that act quickly to assist drivers in recovering after a car accident.
• Multiple Discount Opportunities: Liberty Mutual auto insurance review offers various discounts, including for new cars and bundling policies, lowering overall costs.

Cons

• Higher Starting Rates: Minimum coverage starts at $130/month. The rate is much higher than most other competitors within the state of Maryland.
• Limited Availability of Discounts: Some discounts may not be available in all areas of Maryland.

#8 – The Hartford: Best for Strong Support

Pros

• Solid Coverage: The Hartford offers comprehensive coverage starting at $89 per month for minimum coverage after an accident in Maryland.
• Great for Seniors: Hartford offers some discounts to senior drivers and is a good choice for old-time Maryland drivers.
• Great Claims Experience: Hartford is an insurance company known for smooth claims processing that ensures fast recovery for accident victims.

Cons

• Higher Rates for Younger Drivers: Younger drivers might face higher premiums after an accident in Maryland. Discover more in our guide, “How do I renew my car insurance policy with The Hartford?“
• Limited Discount Options: Hartford’s discount options for drivers with multiple vehicles might not be as diverse as those of other providers.

#9 – Travelers: Best for Coverage Options

Pros

• Affordable Rates: Travelers offer low starting rates, starting at $77 per month, for minimum coverage after an accident in Maryland.
• Comprehensive Coverage: Travelers provides a coverage options for drivers following accidents in Maryland, which may include medical, repair, etc.
• Flexible Payment Plans: After offering their policy, they also offer several payment plans to manage the costs following an accident in Maryland.

Cons

• Limited Local Agent Presence: Travelers have fewer local agents, which may be inconvenient for those who prefer face-to-face service after an accident in Maryland.
• Not the Cheapest for High-Risk Drivers: Drivers with multiple accidents may find the rates higher than other Maryland options. (Learn More: How can I pay my Travelers insurance premium?)

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#10 – American Family: Best for Customer Service

Pros

• Affordable Rates: American Family provides low starting rates, starting at $93 per month, for minimum coverage after an accident in Maryland.
• Customizable Policies: They offer various options to ensure better coverage for drivers after an accident. (Read More: What types of car insurance coverage does American Family Insurance offer?).
• Excellent Customer Service: American Family is known for the responsive and helpful claims representatives, which it makes easier for drivers to recover from accidents.

Cons

• Limited Discounts: While they provide affordable rates, American Family may not have as many discounts available for multi-car households in Maryland.
• Premium Increases After Claims: Premiums may rise significantly after an accident, which could affect long-term cost-effectiveness.

Maryland Car Insurance Rates for Minimum and Full Coverage by Provider

In Maryland, State Farm offers the lowest rates for minimum coverage at $71 per month, followed by Nationwide at $87 per month and The Hartford at $89 per month. Rates for minimum coverage from other providers, like American Family and Farmers, are around $93 and $106 monthly, with Allstate being the highest at $155 per month.

Maryland Accident Car Insurance Monthly Rates by Provider & Coverage Level

For full coverage, State Farm remains the most affordable at $134/month, while Nationwide offers $164/month. Geico and Progressive offer mid-range rates at $223 and $194 monthly, respectively. Companies like Liberty Mutual and Allstate charge up to $245 and $292 monthly for full coverage. For further understanding, refer to our thorough guide, “Full Coverage Auto Insurance.”

Understanding Car Insurance in Maryland

Car insurance in Maryland is a legal requirement for all drivers. It is designed to protect both drivers and their vehicles in an accident. The basics of car insurance coverage in Maryland include liability, collision, comprehensive, personal injury protection (PIP), and best uninsured/underinsured motorist coverage.

The Basics of Car Insurance

Liability coverage pays for damages to others’ property or injuries when the insured driver is at fault, protecting against lawsuits and financial burdens.

Car Insurance Discounts From the Top Provider After an Accident in Maryland

Collision coverage helps repair or replace the insured driver’s vehicle after an accident, regardless of fault, easing financial strain from vehicle damage. Comprehensive coverage protects against theft, vandalism, and non-collision events like natural disasters, ensuring unexpected repair costs don’t burden drivers.

Best Personal injury protection (PIP) car insurance coverage medical expenses and lost wages for the driver or passengers injured in an accident, helping with recovery without financial worries.

Uninsured/underinsured motorist coverage covers damages if the at-fault driver lacks sufficient insurance, safeguarding drivers from financial loss due to others’ insufficient coverage.

Maryland’s Car Insurance Requirements

Under Maryland law, liability insurance coverage should be at least $30,000 for the bodily injury to or death of one person, $60,000 for the bodily injury to or death of persons in one accident, and $15,000 for damage to or destruction of property of others. This way, every person injured in an accident can be compensated appropriately for their injuries and damages.

In addition, drivers are required to have a minimum PIP coverage of $2,500 for medical expenses and lost wages to enable enough assistance to recover from an accident and also some financial aid after an accident.

Understanding Maryland car insurance requirements is very important for making an informed decision for the driver; hence, coverage alternatives are reviewed based on driving habits, budget, and needs to ensure that a driver is adequately covered for himself, his vehicle, and others on the road.

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Factors Affecting Car Insurance Rates After an Accident

After an accident in Mayland, car insurance rates can increase due to various factors. These include the driver’s driving record, the severity of the accident, and the driver’s insurance claims history.

The Role of Driving Record

A driving record plays a bigger role in determining car insurance after an accident has taken place. In this regard, drivers with histories of accidents and other traffic violations are perceived to be higher risks since they stand a high chance of increased car insurance prices.

For example, if a driver has several speeding tickets or at-fault accidents in the past, insurers deem them to be more likely to have accidents in the future. This might send their premiums skyrocketing dramatically.

Furthermore, an insurer would consider the number of years a driver has been accident-free. In most instances, if one had a long history of safe driving, one would be eligible to receive safe driver discounts that could cut down on the size of the possible hike in his or her rate.

The Impact of Accident Severity

The severity of an accident also affects car insurance rates. Accidents causing significant damage or injuries generally lead to higher insurance rates than accidents with minor damage.

Maryland Accidents & Claims per Year by City

Insurance companies may have to pay out larger claims when an accident results in substantial property damage or bodily injuries. They may adjust the insurance premiums accordingly to compensate for this increased risk.

In addition, the nature of an accident may also affect the rate increase. For instance, multi-vehicle or high-speed accidents might be more serious and, thus, have a greater impact on insurance premiums.

The Influence of Insurance Claims History

Other than that, insurance companies will consider looking at the history of claims of the said driver by the insured. Therefore, a driver with many claims should be classified as a risk driver because he might end up paying more for his or her insurance.

5 Most Common Car Insurance Claims in Maryland

The driver who makes more claims often means that his or her future is very likely to experience more claims. In different ways, it could be attributed to the likelihood of car accidents or serial records of theft or vandalism of vehicles.

The opposite can be true if the claimant’s claims record is clean because they can get discounts or lower insurance rates. Often, insurance firms give incentives to insurance policyholders who behave well and have a probability of filing fewer claims in the future.

Maryland Report Card: Car Insurance Premiums

It must be known that the rates do not necessarily go up following every type of accident. Most minor accidents have little or no effect on premiums, especially when the motorist has a clean driving record and a prudent history in claims management. Gain more insight in our guide, “How to File a Car Accident Claim.”

Top Car Insurance Companies for Post-Accident Coverage in Maryland

Accidents can happen anytime, and reliable car insurance in Maryland is essential for post-accident support. Several insurance companies offer coverage that provides financial protection and peace of mind for drivers involved in accidents. Find out more in our guide, “Negotiating Your Car Accident Insurance Settlement.”

State Farm is perceived to offer great customer service and settle claims very quickly. They cover the drivers who have an accident history completely and make sure all the drivers get well-guarded by their customized policies.  They are also very good at taking care of the claimants while the claims are being processed.

Geico can be considered the one with the cheapest rates and flexible payment options, with more Maryland drivers having a hard time paying after crashes. They thus offer various policies while giving the clients just sufficient coverage depending on budget.

When you bundle, you don’t have to pick 😉 #NFLDraft pic.twitter.com/LL0aBcY0Dm

— GEICO (@GEICO) April 27, 2023

Progressive is the best for drivers who would want to get back on the road quickly. They will have a network of trusted repair shops ensuring high-quality vehicle repairs. Their post-accident coverage also matches you up with the best service providers, making the repair less painful.

Tips to Lower Your Car Insurance Rates After an Accident

Despite having been in an accident, there are steps drivers in Maryland can take to lower their car insurance rates. Implementing safe driving practices, enrolling in defensive driving courses, and choosing the right deductible are all effective methods to secure affordable coverage.

Safe Driving Practices

Responsible driving and practice such as following traffic rules and regulations, not causing distraction while driving, and following the speed limit can even make a driver responsible in the eyes of the insurance companies. In the long run, premiums can be lowered.

Safe driving habits tend to avoid accidents, yielding a good driving record. When you insure your automobile, the insurance company will consider the history of the driver operating your vehicle. Thus, A good driving record tends to display your responsibility towards this safe driving habit, rewarded by reducing premiums.

Maryland Report Card: Car Insurance Discounts

In addition, features of a car might entail security features that ensure the possibility of a car accident is minimal. For instance, some cars may come with anti-lock brakes, airbags, and alarms. All such added features make accidents even less likely. Insurance companies offer rebates to vehicles that are equipped with such security features. Thus, it forms a good investment because it minimizes the rise in car insurance rates.

Taking Defensive Driving Courses

Completing defensive driving courses can earn drivers a discount on their car insurance rates. These courses educate drivers on defensive driving techniques, reducing the likelihood of future accidents.

Defensive driving courses cover hazard recognition, proper following distance, and defensive maneuvering. All such knowledge makes a driver more aware of the potential dangers on the roads and helps strategize how to avoid accidents. Drivers who have been through defensive driving courses are sometimes given low insurance rates because the insurance providers think they’re less likely to become a problem.

In addition to this, defensive driving classes are also useful for experienced drivers. They can refresh what they learned and thus help the drivers become familiar with all the latest road rules and regulations, reducing the chances of accidents by safe driving habits and bringing insurance rates down.

Choosing the Right Deductible

A higher deductible is an excellent method of reducing car insurance costs. However, one must choose a deductible that drivers can afford in case of an accident. Check out our guide titled, “What is a car insurance deductible and how does it work?”

The amount a driver must pay out of pocket before insurance coverage applies is called the deductible. Drivers who choose higher deductibles are increasing their financial responsibility in the event of a collision. Therefore, insurance companies often provide cheaper premiums for policies with higher deductibles.

A deductible is the option most prudent drivers will need, so the insurance company should provide it with great caution since a driver needs to consider his financial condition and ability to pay the deductible before choosing this option. A higher deductible may bring him lower insurance rates, but by weighing the two things, affordability and coverage,

With knowledge about Maryland car insurance and determination of the Drivers can find the most suitable provider in areas that increase the rate after an accident. Safe driving and using as many discounts as possible will help lower the rate further so that one is reasonably protected without overpaying.

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Case Studies: Real-World Insurance Solutions

These case studies show how people and families have found cheap, dependable coverage tailored to their requirements in a variety of settings and scenarios.

• Case Study #1 — Affordable Coverage for a New Driver in New Jersey: A 24-year-old new driver from New Jersey found Progressive to be their best fit, as they covered minimum coverage for $78 per month. The driver will appreciate online tools and also that they have an easy claims process, making it ideal for the quest of affordable and reliable protection after an accident in New Jersey.
• Case Study #2 — A Family’s Choice for Reliable Coverage in Columbia, MO: A family of four in Columbia, MO, chose Farmers due to their competitive prices that start at $34 a month. The family enjoyed great flexibility with coverage options by farmers, bundling discounts, customer service, and reputation in the area.
• Case Study #3—Comprehensive Protection for a Small Business Owner in Kansas City: A small business owner from Kansas City chose State Farm because of its $30 per month coverage for personal and business use. The owner liked the speed of the claims process through State Farm, which is why it was a great choice for their day-to-day driving and driving for work.

These case studies highlight how insurance providers offer tailored solutions for diverse needs at affordable rates. Explore this further in our guide, “How Insurance Companies Calculate Your Car Insurance Rate.”

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