As of August 2024
AUTO INSURANCE
A COMPARISON GUIDE TO RATES
A Comparison Guide
to Automobile Insurance Rates
in Maryland
Table of Contents
How to Shop for Auto Insurance
2
What Factors Impact Rates
2
How to Use This Guide
3
About Financing Insurance 3
Notes to Rate Tables
3
Rate Tables
Western Maryland, Washington D.C.
13
Suburbs, and Southern Maryland
Greater Baltimore Suburban
101
189
233
235
243
Eastern Shore (w/o Cecil)
Insurer Phone Numbers and Websites
Coverages Offered by Insurers
How to File a Complaint
Rapid Response Program
243
1
Comparison Worksheet
9
Scenario Descriptions 4
1
How to Shop for Auto Insurance
Comparison shopping is the key to getting the most for your insurance
dollar. The best time to shop for insurance is before you purchase a car,
trade in a vehicle, add drivers or when your policy is up for renewal. Here
are some basic tips to follow when shopping for insurance:
Before buying a new car, determine your insurance costs. High-
performance vehicles usually come with higher insurance costs.
Know what insurance coverage you are buying. Before you begin
calling to request price quotes, familiarize yourself with the insurance
coverage you are buying. It is important to know which coverages Maryland
law requires you to purchase and what optional coverages you may purchase.
Seek unbiased information. In addition to referring to this auto insurance
rate guide, you also may seek information from consumer groups, consumer
publications (i.e. Consumer Reports) and the Internet.
Do comparison-shopping. Contact several insurers or insurance
producers (also known as agents or brokers). Also, ask your relatives and
friends for recommendations. In addition, some banks, employers and
special interest groups offer insurance directly to their members.
Ask for price quotes. In order to make an “apples-to-apples” price
comparison, you must provide the same information to each insurer or
insurance producer. The following information is normally requested:
make/model/year of vehicle, number of average annual miles, region in
which you live, coverages and limits desired and driving record (accidents or
violations).
Ask about deductibles. A deductible is the amount you agree to be
responsible for in the event of damage to your vehicle (i.e. accident, fire or
vandalism). If you select a high deductible, you pay more out of your own
pocket for any damage or loss; however, your premium should be lower.
Ask for discounts. Again, to help keep rates down, ask what discounts the
insurer offers (i.e. security devices, safety devices, good-driving record,
defensive-driving courses, good student, etc.).
Protect yourself from insurance fraud. Once you have selected the
insurer, contact the Maryland Insurance Administration at,
www.insurance.maryland.gov, or via phone to verify that the insurer/insurance
producer is licensed to sell insurance in Maryland. It is illegal for unlicensed
insurers and insurance producers to sell insurance in Maryland.
What Factors Impact Rates?
When applying for auto insurance, insurers evaluate your risk and the
likelihood you will file a claim. This is referred to as underwriting a risk.
Once your level of risk has been determined, the insurer will group you with
policyholders who have similar risk characteristics. Then, the insurer will
assign a rate based on the claims history for your risk group. The most
common factors that impact rates are:
Driving record. If your driving record is less than perfect, you will be
considered a higher risk and will pay a higher premium.
Geographic area. The number of claims filed by policyholders in your
area will also affect the rates charged by insurers.
Gender and age. Statistics show that males and young adults have a higher
incidence of accidents and claims. Therefore, your gender and age will
determine your rate.
Marital status. Married individuals have a lower incidence of accidents and
claims so they generally pay lower premiums than single people.
Prior insurance coverage. Any time period(s) that you did not carry auto
insurance will affect your premium.
Annual mileage. Insurers will calculate your premium based on the
average distance you drive on an annual basis.
Make and model of car. Premiums are also based on your car’s
make/model and value.
Credit history. Some, but not all, insurers use your credit history (good or
bad) as a factor in determining your premium.
For more detailed information about shopping for auto insurance,
please refer to the Maryland Insurance Administration’s A Consumer
Guide to Auto Insurance. It is available on our website,
www.insurance.maryland.gov or it may be requested by calling
410-468-2000 or 800-492-6116.
2
2
How to Use This Guide
This guide lists those companies writing the greatest number of insurance policies in
Maryland. Individuals may not qualify for coverage in all insurers. Affiliated insurers
have different underwriting standards. Within a group of insurers (i.e. State Farm or
Allstate), consumers are placed in the affiliated insurer based on their risk level.
To obtain a sample premium in your area, use the included charts as follows:
• Refer to the region you wish to compare (i.e. Western Maryland,
Washington D.C. Suburbs, Southern Maryland, Greater Baltimore Suburban
Area, or Eastern Shore (w/o Cecil)
• Choose a scenario that most closely reflects your household makeup.
• Determine which zip code is closest to where you live.
• Compare the insurers and rates provided for that scenario in that
zip code
Rates shown in this guide are total annual premiums for 22 scenarios and do not
account for other variables such as discounts you may qualify for or other vehicles and
age brackets. This data is provided by the insurers and is subject to change.
About Financing Insurance
Not everyone can afford to pay their insurance premiums upfront. Therefore, many
insurers offer installment plans. In addition, your premium may also be financed by a
premium finance company, which finances premiums in exchange for a consumer’s
agreement to pay interest and service fees.
The minimum coverages and coverage limits required
by Maryland law are:
Liability coverages of $30,000 for bodily injury per person or $60,000
per accident, and $15,000 for property damage (a.k.a. 30/60/15);
Comprehensive and Collision coverages are optional.
*PIP may be limited (See Definitions), which will result in a lower
premium. If you meet certain conditions, the Maryland Auto Insurance
Fund and some insurers will allow you to fully reject PIP. Ask your insurer
or insurance producer to learn more.
Notes to Rate Tables
:
RATES AND AVAILABILITY ARE SUBJECT
TO CHANGE BY THE INSURERS.
* Indicates those insurers which consider credit scores in determining premiums.
N/A = Insurers that do not have rates available based on criteria in the scenario, such as
an at-fault accident.
Maryland Automobile Insurance Fund:
MAIF generally offers the state mandatory minimum liability limits of
$30,000/$60,000/$15,000. MAIF does offer limits of $100,000/$300,000/ $100,000,
for which rates are provided. However, MAIF does not provide the limits in Scenarios
16, 18 and 22.
Definitions
Full PIP covers you and members of your family residing with you who
may be injured in a motor vehicle accident, anyone else injured while in your
vehicle, and pedestrians injured by your vehicle.
Limited PIP eliminates coverage for you, your family members 16 years of
age or older that reside with you, and any listed drivers on the policy.
Anyone else injured while in your vehicle and pedestrians injured by your
vehicle will continue to be covered. Limited PIP premiums are typically
40% of Full PIP premiums. You must sign a waiver form to obtain Limited PIP.
Rejection of PIP - If you meet certain conditions, the Maryland Automobile
Insurance Fund and some insurance companies will allow you to reject PIP.
Uninsured Motorist (UM) protects you if a hit-and-run driver or someone
without insurance causes damage to your property or injures you or your
passenger(s).
Comprehensive coverage pays for damage to your car resulting from
causes other than an accident, such as vandalism or theft.
Collision coverage pays to repair your vehicle or what your vehicle was
worth right before an accident occurred (if your insurer determines the car is
totaled), regardless of who caused the accident.
Personal Injury Protection (PIP*) coverage of $2,500; and
Uninsured Motorist (UM) coverages of $30,000 bodily injury per
person or $60,000 per accident, and $15,000 for property damage
(a.k.a. 30/60/15).
3
SCENARIO DESCRIPTIONS
Scenario 1:
Young Single Male, Age 19. Rents an apartment.
Drives a 2014 Honda Accord EX-L 6 CYL 4DR
Drives 20 miles each day total for work. Drives 15,000 miles annually.
No accidents or violations in past three years. No credit history (where
applicable). No companion policy discount.
Liability $30,000/$60,000/$15,000
Full PIP $2,500
UM $30,000/$60,000/$15,000
Comprehensive $250 deductible
Collision $500 deductible
Scenario 2:
Young Single Female, Age 19. Rents an apartment.
Drives a 2008 Toyota Camry SE Sedan 4DR
Drives 20 miles each day total for work. Drives 15,000 miles annually.
No accidents or violations in past three years. No credit history (where
applicable).No companion policy discount.
Liability $30,000/$60,000/$15,000
Full PIP $2,500
UM $30,000/$60,000/$15,000
Comprehensive $250 deductible
Collision $500 deductible
Scenario 3:
Young Single Male, Age 23. Rents an apartment.
Drives a 2012 Honda CR-V EX AWD
Drives 15 miles each day total for work. Drives 15,000 miles annually.
No accidents or violations in past three years. No credit history (where
applicable). No companion policy discount.
Liability $30,000/$60,000/$15,000
Full PIP $2,500
UM $30,000/$60,000/$15,000
Comprehensive $250 deductible
Collision $500 deductible
Scenario 4:
Young Single Female, Age 23. Rents an apartment.
Drives a 2012 Jeep Liberty
Drives 15 miles each day total for work. Drives 15,000 miles annually.
Speeding ticket 19 months ago for driving 10 miles over the speed limit.
No credit history (where applicable). No companion policy discount.
Liability $30,000/$60,000/$15,000
Full PIP $2,500
UM $30,000/$60,000/$15,000
Comprehensive $250 deductible
Collision $500 deductible
Scenario 5:
Single Male, Age 30. Homeowner.
Drives a 2015 Toyota RAV4 Limited AWD
Drives 25 miles each day total for work. Drives 25,000 miles annually.
No accidents or violations in past 3 years. No credit history (where
applicable). Receives companion policy discount.
Liability $100,000/$300,000/$100,000
Full PIP $2,500
UM $100,000/$300,000/$100,000
Comprehensive $250 deductible
Collision $500 deductible
Scenario 6:
Single Female, Age 30. Homeowner.
Drives a 2016 Nissan Altima 6 CYL 3.5L
Drives 15 miles each day total for work. Drives 15,000 miles annually.
No accidents or violations in past 3 years. Best credit history (where
applicable). Receives companion policy discount.
Liability $100,000/$300,000/$100,000
Full PIP $2,500
UM $100,000/$300,000/$100,000
Comprehensive $250 deductible
Collision $500 deductible
4
Scenario 7:
Single Male, Age 40. Homeowner.
Drives a 2015 Nissan Sentra SL
Drives 50 miles each day total for work. Drives 25,000 miles annually.
No accidents or violations in past 3 years. No credit history (where
applicable). Receives companion policy discount.
Liability $100,000/$300,000/$100,000
Full PIP $2,500
UM $100,000/$300,000/$100,000
Comprehensive $250 deductible
Collision $500 deductible
Scenario 8:
Single Female, Age 40. Homeowner.
Drives a 2016 Toyota Prius C Hatchback 4DR
Drives 40 miles each day total for work. Drives 15,000 miles annually.
No accidents or violations in past 3 years. Best credit history (where
applicable). Receives companion policy discount.
Liability $100,000/$300,000/$100,000
Full PIP $2,500
UM $100,000/$300,000/$100,000
Comprehensive $250 deductible
Collision $500 deductible
Scenario 9:
Single Male, Age 50. Homeowner.
Drives 2017 Ford F-250 XLT 4x4 4DR Crew Cab Gas 164 WB
Drives 60 miles each day total for work. Drives 25,000 miles annually.
Second vehicle – 2012 Honda CR-V EX AWD
For pleasure use only – Drives 3,000 miles annually. Garage kept.
No accidents or violations in past 3 years. Best credit history (where
applicable). Receives companion policy discount.
Liability $100,000/$300,000/$100,000
Full PIP $2,500
UM $100,000/$300,000/$100,000
Comprehensive $250 deductible
Collision $500 deductible
Scenario 10:
Single Male, Age 50. Renter.
Drives 2016 Ford F-150 XLT 4x4 4DR Crew Cab Gas 145 WB
Drives 60 miles each day total for work. Drives 25,000 miles annually.
No accidents or violations in past 3 years. Best credit history (where
applicable). Receives companion policy discount.
Liability $100,000/$300,000/$100,000
Full PIP $2,500
UM $100,000/$300,000/$100,000
Comprehensive $250 deductible
Collision $500 deductible
Scenario 11:
Single Female, Age 50. Renter.
Drives 2014 Hyundai Elantra 4DR SE WB
Drives 60 miles each day total for work. Drives 20,000 miles annually.
No accidents or violations in past 3 years. No credit history (where
applicable). No companion policy discount.
Liability $100,000/$300,000/$100,000
Full PIP $2,500
UM $100,000/$300,000/$100,000
Comprehensive $250 deductible
Collision $500 deductible
Scenario 12:
Single Male, Age 65. Homeowner (retired).
Drives a 2012 Ford Escape XLS UTL 4x2 4DR
Drives 5,000 miles annually – pleasure use.
No accidents or violations in past 3 years. Best credit history (where
applicable). Receives companion policy discount.
Liability $100,000/$300,000/$100,000
Full PIP $2,500
UM $100,000/$300,000/$100,000
Comprehensive $250 deductible
Collision $500 deductible
5
Scenario 13:
Single Male, Age 65. Renter (retired).
Drives a 2014 Honda Accord EX-L 6CYL 4DR
Drives 5,000 miles annually – pleasure use.
No accidents or violations in past 3 years. Best credit history (where
applicable). Receives companion policy discount.
Liability $100,000/$300,000/$100,000
Full PIP $2,500
UM $100,000/$300,000/$100,000
Comprehensive $250 deductible
Collision $500 deductible
Scenario 14:
Single Female, Age 65. Homeowner (retired).
Drives a 2017 Toyota Camry Hybrid LE
Drives 5,000 miles annually – pleasure use.
No accidents or violations in past 3 years. Best credit history (where
applicable). No companion policy discount.
Liability $100,000/$300,000/$100,000
Full PIP $2,500
UM $100,000/$300,000/$100,000
Comprehensive $250 deductible
Collision $500 deductible
Scenario 15:
Single Female, Age 65. Renter (retired).
Drives a 2015 Honda Accord Coupe LX 2.4L/4CYL
Drives 5,000 miles annually – pleasure use.
No accidents or violations in past 3 years. Best credit history (where
applicable). No companion policy discount.
Liability $100,000/$300,000/$100,000
Full PIP $2,500
UM $100,000/$300,000/$100,000
Comprehensive $250 deductible
Collision $500 deductible
Scenario 16:
Family Rate -- Premiums include coverage for two vehicles and two
drivers, with a multi-car discount and a companion homeowners
discount (where available).
Married Male, Age 26.
Drives a 2008 Toyota Tundra Double Cab 4X2
Drives 20 miles each day total for work. Drives 20,000 miles
annually.
No accidents or violations in past 3 years. Best credit history (where
applicable).
Liability $250,000/$500,000 /$100,000
Full PIP $2,500
UM $250,000/$500,000 /$100,000
Comprehensive $250 deductible
Collision $500 deductible
Married Female, Age 24.
Drives a 2014 Dodge Grand Caravan SE
Does not work. Drives 5,000 miles annually.
No accidents or violations in past 3 years. Best credit history (where
applicable).
Liability $250,000/$500,000 /$100,000
Full PIP $2,500
UM $250,000/$500,000 /$100,000
Comprehensive $250 deductible
Collision $500 deductible
Scenario 17:
Family Rate -- Premiums include coverage for two vehicles and two
drivers, with a multi-car discount and a companion renters discount
(where available).
Married Male, Age 29.
Drives a 2011 Chevrolet Silverado 1500 PKP 4x2 2DR Regular Cab
Drives 40 miles each day total for work. Drives 15,000 miles
annually.
No accidents or violations in past 3 years. No credit history (where
applicable).
Liability $30,000/$60,000 /$15,000
Full PIP $2,500
UM $30,000/$60,000 /$15,000
Comprehensive $250 deductible
Collision $500 deductible
6
Scenario 17 (Cont.):
Married Female, Age 29.
Drives a 2014 Dodge Grand Caravan SRT
Works part-time. Drives 5,000 miles annually.
No accidents or violations in past 3 years. No credit history (where
applicable).
Liability $ $30,000/$60,000 /$15,000
Full PIP $2,500
UM $30,000/$60,000 /$15,000
Comprehensive $250 deductible
Collision $500 deductible
Scenario 18:
Family Rate -- Premiums include coverage for two vehicles and two
drivers, with a multi-car discount and a companion homeowners
discount (where available).
Married Male, Age 35.
Drives a 2010 Dodge Dakota Crew Cab PKP 4x4 4DR
Drives 45 miles each day total for work. Drives 35,000 miles
annually.
No accidents or violations in past 3 years. Best credit history (where
applicable).
Liability $250,000/$500,000 /$100,000
Full PIP $2,500
UM $250,000/$500,000 /$100,000
Comprehensive $250 deductible
Collision $500 deductible
Married Female, Age 32.
Drives a 2017 Nissan Rogue SL 4DR SUV AWD 2.5L 4CYL
Drives 20 miles each day total for work. Drives 15,000 miles
annually.
No accidents or violations in past 3 years. Best credit history (where
applicable).
Liability $ 250,000/$500,000 /$100,000
Full PIP $2,500
UM $250,000/$500,000 /$100,000
Comprehensive $250 deductible
Collision $500 deductible
Scenario 19:
Family Rate -- Premiums include coverage for two vehicles and three
drivers, with a multi-car discount and a companion homeowners
discount (where available).
Married Male, Age 44.
Drives a 2016 Mercedes E350
Drives 60 miles each day total for work. Drives 35,000 miles
annually.
No accidents or violations in past 3 years. Best credit history (where
applicable).
Liability $100,000/$300,000/$100,000
Full PIP $2,500
UM $100,000/$300,000/$100,000
Comprehensive $250 deductible
Collision $500 deductible
Married Female, Age 44.
Drives a 2016 Honda Accord EX-L 6 CYL 4DR Honda Sensing
Drives 15,000 miles annually.
No accidents or violations in past 3 years. Best credit history (where
applicable).
Liability $100,000/$300,000/$100,000
Full PIP $2,500
UM $100,000/$300,000/$100,000
Comprehensive $250 deductible
Collision $500 deductible
Young Single Male, Age 17.
Does not have his own vehicle – he is an occasional driver of the
vehicles. Speeding ticket 6 months ago – 10 miles over the speed
limit.
Scenario 20:
Family Rate -- Premiums include coverage for two vehicles and three
drivers, with a multi-car discount and a companion homeowners
discount (where available).
Married Male, Age 44.
Drives a 2012 Jeep Grand Cherokee 4WD
7
Scenario 20 (Cont.):
Drives 60 miles each day total for work. Drives 35,000 miles
annually.
No accidents or violations in past 3 years. Worst credit history
(where applicable).
Liability $100,000/$300,000/$100,000
Full PIP $2,500
UM $100,000/$300,000/$100,000
Comprehensive $250 deductible
Collision $500 deductible
Married Female, Age 44.
Drives a 2015 Toyotoa Camry
Does not work. Drives 5,000 miles annually.
No accidents or violations in past 3 years. Best credit history (where
applicable).
Liability $100,000/$300,000/$100,000
Full PIP $2,500
UM $100,000/$300,000/$100,000
Comprehensive $250 deductible
Collision $500 deductible
Young Single Male, Age 17.
Does not have his own vehicle – he is an occasional driver of the
vehicles. Speeding ticket 6 months ago – 10 miles over the speed
limit.
Scenario 21:
Family Rate -- Premiums include coverage for two vehicles and two
drivers, with a multi-car discount and a companion renters discount
(where available).
Married Male, Age 50.
Drives a 2017 Toyota Avalon Hybrid XLE
Drives 60 miles each day total for work. Drives 35,000 miles
annually.
One at fault accident 15 months ago with claim paid in excess of
$10,000. Best credit history (where applicable).
Liability $100,000/$300,000/$100,000
Full PIP $2,500
UM $100,000/$300,000/$100,000
Comprehensive $250 deductible
Collision $500 deductible
Married Female, Age 50.
Drives a 2008 Toyota Camry SE Sedan 4DR
Does not work. Drives 5,000 miles annually.
No accidents or violations in past 3 years. Best credit history (where
applicable).
Liability $100,000/$300,000/$100,000
Full PIP $2,500
UM $100,000/$300,000/$100,000
Comprehensive $250 deductible
Collision $500 deductible
Scenario 22:
Family Rate -- Premiums include coverage for two vehicles and
two drivers, with a multi-car discount and a companion
homeowners discount (where available).
Married Male, Age 65.
Drives a 2015 Jeep Grand Cherokee Altitude 4x4
Drives 20 miles each day total for work. Drives 20,000 miles
annually.
No accidents or violations in past 3 years. Best credit history (where
applicable).
Liability $250,000/$500,000/$100,000
Full PIP $2,500
UM $250,000/$500,000/$100,000
Comprehensive $250 deductible
Collision $500 deductible
Married Female, Age 65.
Drives a 2016 Lexus
Does not work. Drives 5,000 miles annually.
No accidents or violations in past 3 years. Best credit history (where
applicable).
Liability $250,000/$500,000/$100,000
Full PIP $2,500
UM $250,000/$500,000/$100,000
Comprehensive $250 deductible
Collision $500 deductible
8
Shopping for Automobile Insurance
Insurer/Policy Comparison Worksheet
If you are shopping for automobile insurance, you may use this worksheet to help gather information about insurers and the
automobile insurance policies they sell. You may call an insurance producer or the insurer for a rate quote.
Insurer Name
Telephone number
Financing rating
Insurer licensed (Yes/No)
Discounts offered
Annual premium
List all vehicles and drivers
9
COVERAGE LIMITS
COVERAGE LIMITS COMPARISON (Coverages vary by policy. Make sure you get the coverage you need!)
Limits (30/60/15 is the minimum
required by law):
Premium:
Limits ($2,500 is the minimum required
by law, unless waived):
Premium
— Full Coverage:
Premium — Waived Coverage:
Limits:
Premium:
Limits:
Premium:
Deductible:
LIABILITY
PERSONAL INJURY
PROTECTION (PIP)
COLLISION
UNINSURED/
UNDERINSURED
MOTORIST
COVERAGE
Premium - Rejected PIP, if available:
10
Limits:
Premium:
Deductible:
Limits:
Premium:
Limit per disablement:
Maximum number of day:
Premium:
Limits:
Maximum number of days:
Premium:
COMPREHENSIVE
(OTHER THAN COLLISION)
MEDICAL
PAYMENTS
RENTAL
REIMBURSEMENT
TOWING AND LABOR
11
COVERAGE COMPARISON
COVERAGE COMPARISON (Coverages vary by policy. Make sure you get the coverage you need!)
Does the policy cover:
• Family and other household residents?
• People who drive my car with my
permission?
Yes No
Yes No
Yes No
Yes No
Yes No
Yes No
Does this policy provide liability coverage if:
• I drive someone else’s car?
• I am driving a rental car?
• I drive out the United States?
Yes No
Yes No
Yes No
Yes No
Yes No
Yes No
Yes No
Yes No
Yes No
Does the policy cover:
• Family and other household residents
who drive my car:
• People who drive my car with my
permission?
Yes No
Yes No
Yes No
Yes No
Yes No
Yes No
Does this policy provide physical damage
coverage if:
• I drive someone else’s car?
• I am driving a rental car?
Yes No
Yes No
Yes No
Yes No
Yes No
Yes No
Does the policy cover damage to:
• A rental car?
Yes No Yes No Yes No
Does the policy cover physical damage for:
• Replacement vehicles?
• Temporary substitute vehicles?
Yes No
Yes No
Yes No
Yes No
Yes No
Yes No
PHYSICAL DAMAGE
LIABILITY
12
August 2024
Maryland Insurance Administration 1-800-492-6116 www.insurance.maryland.gov
Insurer Phone Numbers and Websites
Note: If there is no phone number shown for an insurer, look in the Yellow Pages for an insurance producer (also known as an agent or broker)
in your area. You may also find information on the insurer's website. Insurance producers sell coverage on the insurer's behalf and can
locate coverage on your behalf.
Agency Insurance Co. 800-492-5629 www.agencyinsurancecompany.com
AIG Property Casualty Co. See Yellow Pages www.aig.com
Allstate Indemnity Co. 800-255-7828 www.allstate.com
American Family Connect P &C Ins Co 800-842-3344 www.connectbyamfam.com
American National Property & Casualty Co.
800-843-3276 ww
w.americannational.com
American States Preferred Insurance Co. 800-332-3226 www.safeCo.com
Amica Mutual Insurance Co. 800-242-6422
www.Amica.com
Am
ica Property and Casualty Co. 800-242-6422 Amica.com
Berkley Insurance Co. 855-663-8551
https://www.berkleyone.com/offerings/automotive/cars/
Branch Insurance Exchange 855-441-7033 www.ourbranch.com
Brethren Mutual Insurance Co. 800-621-4264 www.bmic.com
Chubb National Insurance Co. 866-324-8222 www.chubb.com
Cincinnati Casualty Co.
888-242-8811
ww
w.cinfin.com
Cincinnati Insurance Co.
888-242-8811 ww
w.cinfin.com
Clearcover Insurance Co. 855-444-1875 https://clearcover.com/
CSAA General Insurance Co. 888-222-0094 http://midatlantic.aaa.com/Insurance/InsurewithAAA
Cumberland Insurance Co. Inc. 800-232-6992 www.cumberlandmutual.com
Dairyland Insurance Co. 800-334-0090 dairylandinsurance.com/auto
Elephant Insurance Co.
855-353-7426 (1-855-ELEPHANT) www.elephant.com
Enc
ompass Home/Auto Insurance Co.
800-588-7400 ww
w.encompassinsurance.com
Erie Insurance Exchange 800-458-0811 www.erieinsurance.com
Farmers Casualty Insurance Co. 800-422-4272 www.farmers.com
Farmers Direct P & C Insurance Co. 800-422-4272 www.farmers.com
Farmers Group Property & Casualty Ins. Co. 800-422-4272 www.farmers.com
Farmers Insurance Exchange 888-327-6335 www.farmers.com
Foremost Insurance Co.
888-888-0080 ww
w.foremost.com
Garrison Property & Casualty Ins. Co. 800-531-8722 www.usaa.com
GEICO Secure Co. 800-861-8380 www.geico.com
Hartford Casualty Insurance Co. 888-413-8970 www.thehartford.com
Horace Mann Insurance Co. 800-999-1030 www.horacemann.com
233
August 2024
Maryland Insurance Administration 1-800-492-6116 www.insurance.maryland.gov
Insurer Phone Numbers and Websites
Note: If there is no phone number shown for an insurer, look in the Yellow Pages for an insurance producer (also known as an agent or broker)
in your area. You may also find information on the insurer's website. Insurance producers sell coverage on the insurer's behalf and can
locate coverage on your behalf.
Horace Mann Property & Casualty Ins. Co. 800-999-1030 www.horacemann.com
Integon Indemnity Insurance Corporation 800-462-2123 www.nationalgeneral.com
Integon Preferred Insurance Co. 800-462-2123 www.nationalgeneral.com
Liberty Mutual Insurance Co. 800-837-5254 www.libertymutual.com
Liberty Mutual Personal Insurance Co. 800-837-5254 www.libertymutual.com
Maryland Auto Insurance Fund
800-492-7120 ww
w.mymarylandauto.com
MGA Insurance Company, Inc. 866-424-6726 www.gainsco.com
Mutual Benefit Insurance Co. 800-283-3531 www.mutualbenefitgroup.com
National General Assurance Co. 800-462-2123 www.nationalgeneral.com
Nationwide Property & Casualty Co. 888-890-4630 www.nationwide.com
NJM Insurance Co. 800-232-6600 / 833-869-1361 www.njm.com
Noblr Insurance Exch 877-236-6257 www.noblr.com
Old Dominion Insurance Co. 800-226-0875 www.msainsurance.com
Penn National Insurance Co. 800-388-4764 www.PennNationalInsurance.com
Privilege Underwriters Reciprocal Exch. 888-813-7873 https://www.pureinsurance.com/
Progressive Select Insurance Co. 800-776-4737 www.progressive.com
Progressive Specialty Insurance Co. See Yellow Pages www.progressiveagent.com
Root Insurance Co. 866-980-9431 www.joinroot.com
Selective Ins. Co. of South Carolina 800-877-9656 www.selective.com
Southern Insurance Co. of VA 800-877-0600 www.donegalgroup.com
State Farm Fire & Casualty Co. 800-STATE-FARM (800-782-8332) www.statefarm.com
State Farm Mutual Automobile Ins. Co. 800-STATE-FARM (800-782-8332) www.statefarm.com
Teachers Insurance Co. 800-999-1030 www.horacemann.com
Travelers Property Casualty Insurance Co. 888-695-4625 www.travelers.com
United Services Automobile Association 800-531-8722 www.usaa.com
Unitrin Safeguard Insurance Co. 866-860-9348 www.kemper.com
USAA Casualty Insurance Co. 800-531-8722 www.usaa.com
USAA General Indemnity Co. 800-531-8722 www.usaa.com
Vault Reciprocal Exchange 844-368-2858 https://vault.insurance/
234
How to File a Complaint
Consumers may contact the Maryland Insurance Administration
to file a complaint against an insurer or insurance producer.
Complaints must be received in writing or filed on-line using the
agency’s website, www.insurance.maryland.gov. Under
Consumers, the public will find a link entitled File A Complaint..
This page describes the process and provides instructions for
filing a complaint.
Please provide as much detail as possible, including copies of
relevant documents. A trained, professional investigator will
handle your complaint. The investigator will contact the insurer
and/or insurance producer and try to resolve the issue.
Meanwhile, you will be advised of the steps being taken on your
behalf. Complaint files are not closed until the Maryland
Insurance Administration has made a determination regarding
the complaint.
General Information
410-468-2000 or 800-492-6116
TTY 1-800-735-2258
E-mail: [email protected]
Website: www.insurance.maryland.gov
Complaints Fax: 410-468-2307 (or 2334)
Rapid Response Program
The Maryland Insurance Administration has a Rapid Response
Program to help consumers resolve property and casualty claims
(including claims made under automobile, homeowners and
commercial lines policies) quickly and without having to file a formal
written complaint.
The Rapid Response Program puts individuals having difficulty
resolving certain claims in touch with special representatives at
participating insurers in an effort to help address problems directly
and quickly. For more information about this Program, contact us at
410-468-2340 or 800-492-6116 ext. 2340. Participation in the Rapid
Response Program is voluntary and does not affect your right to file a
formal complaint.
85
243
200 St. Paul Place, Suite 2700
Baltimore, MD 21202
410-468-2000 • 800-492-6116
800-735-2258 TTY
www.insurance.maryland.gov
www.facebook.com/MdInsuranceAdmin
www.twitter.com/MD_Insurance
www.instagram.com/marylandinsuranceadmin
INSURANCE ADMINISTRATION
MIA-A-2
This consumer guide should be used for educational purposes only. It is not intended to provide legal advice or opinions regarding coverage under a specific insurance
policy or contract; nor should it be construed as an endorsement of any product, service, person, or organization mentioned in this guide. Please note that policy terms vary based
on the particular insurer and you should contact your insurer or insurance producer (agent or broker) for more information.
his publication has been produced by the Maryland Insurance Administration (MIA) to provide consumers with general information about insurance-related issues
and/or state programs and services. This publication may contain copyrighted material which was used with permission of the copyright owner. Publication herein does not
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