Best Maryland Car Insurance Companies

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Here's what you need to know...
  • When looking for the right car insurance company in Maryland, the three most important concerns are rates, customer service, and how they process claims
  • The insurance company that can best cover the needs of a particular individual for the lowest rate possible will be the most favorable
  • Amica offers a host of services like identity theft protection and accident forgiveness policies, as well as several discounts
  • Farmers Insurance has turned itself around to become one of the most improved companies, and they now offer their customers affordable rates and quality service
  • Car owners must remember that before actually deciding on a Maryland car insurance company, they should compare quotes

There are several factors involved in what makes the best car insurance companies.

While consumer car insurance reviews play an important role when making a choice, insurance companies operate according to the types and number of claims they’ve had to process and the types of policyholders with whom they’ve done business.

Since some states have worse drivers than others and because companies have had to deal with issues like fraud, deception, and drivers who incur excessive violations, certain car insurance companies will have no choice but to enforce specific restrictions and higher costs, which of course isn’t likely to endear them to many policyholders.

Also, customers have different needs, so while one company may be very good for one group of customers, it doesn’t mean it will rate the same with another group.

Overall, a potential customer’s three most important concerns are rates, customer service, and how they process claims.

Ultimately, the insurance company that can best cover the needs of a particular individual for the lowest rate possible will be the most favorable.

Find quotes that fit your needs with our FREE ZIP code search tool above now!

Regarding Insurance and Financial Responsibility
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When purchasing cars, the owner must prove that he/she is a financially responsible individual, which is proven when they purchase the minimum state car insurance that is required.

A valid car insurance card must be carried at all times while driving because if stopped by a law enforcement officer, he will ask for it.

If a car is stopped in Maryland and the driver cannot produce an insurance card, their registration will be suspended, they’ll be subject to a fine of up to a $1,000, and they could possibly serve one year in jail.

With this need for an insurance card in mind, the best car insurance companies in Maryland are listed and described below.

Amica Mutual Auto Insurance

Amica (Automobile Mutual Insurance Company of America) is hailed for providing outstanding customer service, and consumer reports state that they process and pay their claims promptly.

Amica offers a host of services like identity theft protection and accident forgiveness policies, as well as discounts for safe drivers, multiple drivers under one policy and multiple policies with their company.

Amica holds an A+ rating with the Better Business Bureau and a superior rating of A++ with A.M. Best, and they have been rated for the “Highest Customer Satisfaction Among National Auto Insurers” for the last 11 years by J.D. Power and Associates.

Amica is a financially stable company that has been around since 1907 and therefore customers are assured of low prices and fast claims processing.

Allstate Auto Insurance

Having been in business for the last 80 years, no company is better known than Allstate Auto Insurance. This well established and versatile company offers their customers loyalty benefits, driver discounts, and low rates.

They also provide rewards for good drivers and drivers with a history of no accidents. Perhaps the most important factor is Allstate has a simple claims process and an excellent reputation for customer services.

Erie Car Insurance
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Erie Insurance is one of the smaller, less familiar insurance companies that operates in Maryland. Erie Insurance is a fine example of a company that provides incomparable services in the areas of pricing and customer service.

It is to Maryland residents’ advantage to check Erie, as they are known for consistently quoting cheap car insurance rates. They are backed by high levels of financial strength and ratings, so customers are assured of sufficient coverage.

Nationwide Car Insurance

Nationwide car insurance has received favorable ratings in every aspect of the car insurance coverage business. Customers can depend on good coverage at affordable rates and great customer service.

Besides competitive rates, Nationwide offers an array of discounts with regard to age, driving record and health.

The interesting thing about Nationwide is that it offers a host of diverse services such as the ability to open savings, checking, CD, and money market accounts, as well as all types of life, homeowners, and renters insurance.

Plus, they provide a written guarantee on all repairs along with granting customers the right to choose from pre-qualified auto repair shops. There can be significant savings in having all major business needs handled by one company!

State Farm Car Insurance

State Farm stands as one of the largest auto insurance companies in America.

Maintaining consistently high ratings with Standard & Poor (AA), Moody’s (Aa1), and Best Insurance Reports (A++), State Farm has been in successful operation for almost 90 years.

They offer a multitude of discounts guaranteeing up to 40% off pricing, and they offer diverse services in addition to car insurance options, such as banking, investment plans, mutual funds, and loans.

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Farmers Car Insurance

The strength of Farmers auto insurance is their ability to offer a wide range of coverage services at competitive prices. They also offer drivers’ discounts, such as good student discounts, multiple cars discounts, and driver discounts.

Less than a decade ago, Farmers was given the rating of being one of the worst companies when it came to payments of claims, and their customer service department suffered in ratings as well.

However, the sign of a good company is one that listens to objective criticism and acts upon it. Farmers has turned itself around to become one of the most improved companies, and they now offer their customers affordable rates and quality service.

GEICO Car Insurance

GEICO (Government Employee Insurance Company) has remarkably high ratings with A.M. Best & Company and the Better Business Bureau. Customers will find that on top of what could be considered cheap rates already, they are also offered hefty drivers discounts.

Customers have access to claims assistance via the telephone and the web, and their customer service department is available 24 hours a day, seven days a week. As a result, GEICO has many satisfied customers.

Esurance Car Insurance
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For those customers who prefer technology over people, Esurance Car Insurance is the perfect solution.

Their whole website is user-friendly, and customers can go there to find types of coverage offered, quotes for low rates, and file claims — all in a quick and efficient manner. For the computer savvy individual, online car insurance from Esurance may be just what is needed!

21st Century Car Insurance

Remaining true to its large customer base, 21st Century Car Insurance continues to offer a wide variety of services, affordable rates, and car insurance discounts.

While they are not known for the having the greatest customer service department for some, low rates and fast claim service may be more important, and 21st Century rates high in these categories.

They are also known for offering special deals and discounts, especially to long-time customers.

AAA Mid-Atlantic Car Insurance
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In terms of coverage and rates, AAA (America Automobile Association or Triple-A) is known for providing quality service. Their mid-Atlantic agency serves states like Maryland.

Customers are able to find good deals because AAA offers a solid comparison of prices on cheap car insurance quotes.

This company is unique in that they lobby on behalf of motorists — especially in the area of improved infrastructure on the roads — to insure their needs are met. AAA offers services such as emergency automobile services, road services, and free U.S. road maps.

In all instances, car owners must remember that before actually deciding on a Maryland car insurance company, they should compare quotes.

They must also keep in mind that factors such as driving records, car models, credit histories, and the number of prior claims submitted will play a major role in final decisions on car insurance rates.

Try a FREE quote comparison today to see if you could be paying lower car insurance rates! Enter your ZIP code below now!

FREE Car Insurance Comparison

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