​Understanding Auto Insurance​

Please choose from one of the following categories or learn more below about consumer alerts, general information, specialty auto insurance policies, teen drivers, and more. While the Maryland Insurance Administration does not sell insurance and cannot recommend a specific policy or company, we are here to help you learn about the types of coverage available. 

Shopping for auto insurance is like shopping for any major item. It's a good idea to shop around to find the policy that best meets your needs and budget.

We can also assist if you have a complaint involving an insurer, an insurance producer, public adjuster, or adviser.

General Information:​

• ​​​​Consumer Guide: Auto Insurance​ (en Español​​)​
  
• Auto Insurance: A Compariso​n Guide to Rates
  
• Interactive Auto Insura​nce Rate Guide
• How to File a Claim
  
• Understanding your Premiums and Rates
  
• How to Choose an Insurance Producer
  
• ​Understanding Policy Cancellations/Non-Renewals
  
• ​Understanding Your Automobile Insurance Declarations Page
  
• Specific information for Military Personnel
  
• Specific Information for Young Adults/New Drivers/College Students​

Ways to save money on car insurance:​

• ​Tips on​ Shopping for Automobile Insurance​
  
• Learn about rates and how to comparison shop
• How to Get the Mo​st for Your Insurance Dollar
• Automobile Insurance Rates: What Impacts My Cost & What I Can Do About It​​

Specialty Auto:

• ATV/UTV Insurance​
• Boats and Personal Watercraft Insurance​​
• Motorcycle Ins​urance​
  
• GAP Insura​nce​
  
• Laws for Owners of Mopeds and Motor Scooters 
• Recreational Veh​icle (RV​) Insurance
  
• Lists of companies that offer specialty auto insurance policies​
  

Consumer Advisories:​

• Understanding Total ​Loss​
  
• Predatory Towing - Use caution after a vehicle accident or mechanical failure that requires towing assistance​​​
  
• ​Deer-Vehicle C​ollisions: Deer don't veer!​
• Telematics: Are You Unknowingly Sharing Your Driving Habits With Insurers?​
• Will I need to Pay A P​enalty If I do Not Have A​utomobile Insurance?​
• Enhanced Underi​nsured Automobile Insurance Coverage​
  
• What You Need​ to Know about Uninsured Motorist Claims​
• Liability I​nsurance Coverage for Registered Family Child Care Providers​
  
• Licensed Driv​ers in your Household​​
• Proof Of Insurance 
  

• Storm-Damaged Vehicles ​
• Flooded Car​
• Post-Disaster Tips and Resources

Additional Resources:

• List of Auto Insuranc​e Contacts
  
• List of Pre​mium​ Finance Companies
  
• Property & Casualty Insurance Guaranty Corporation
• Sharing Economy (Ride Sharing)​
  
• NAIC: Auto Insurance Overview
• Use of You​r Credit History for A​uto Insurance​​
• File and Use - What Does This Mean And How Does It Work​
  

Videos & Webinars:

• ​Watch our signature "Lunch with MIA" webinars or watch one of our many videos on auto insurance related topics.​​