Cheap auto insurance for teenagers in Maryland

Whether the car in registered in your teen’s name or your name, the mandatory automobile insurance laws of Maryland still require you to carry the minimum liability auto insurance. The Maryland mandatory auto insurance laws require you to carry $20,000.00 of insurance for each individual injured in an accident, $40,000.00 for all injuries incurred in an accident and $15,000.00 for any property damage incurred in an automobile accident to cover your teenager when they are behind the wheel. You will also be required to carry uninsured and underinsured coverage of $20,000.00/$40,000.00 as well as $2,500.00 of PIP insurance. Insurance companies in Maryland may suggest you carry more than the minimum state requirements because of the higher risk of accidents posed by inexperienced teen drivers. Furthermore, following their advice may actually reduce the cost of insuring your teenager. There is no doubt that adding your teenagers to your policy will increase your premiums but it will generally cost less than putting them on their own policy. Encouraging your teen to maintain a “B” grade point average and drive sensibly will help to reduce these added costs to your premiums. Do not put your teen in a luxury car or a sports car and be aware of the most popular stolen cars in Maryland.



1. 1994 Dodge Caravan
2. 1994 Honda Accord
3. 1991 Toyota Camry
4. 1996 Ford Taurus
5. 2000 Honda Civic
6. 2000 dodge Intrepid
7. 1996 Jeep Cherokee/Grand Cherokee
8. 1994 Plymouth Voyager
9. 1997 Ford Crown Victoria
10. 2001 Dodge Stratus

Since Maryland is a Torte state, the person causing the accident can be sued for pain, suffering, lost wages and medical costs which result from the accident. For this reason, it is a good idea to carry more than the minimum required auto liability insurance on teens. Liability insurance will cover the injuries and deaths which are inflicted on all other persons involved in the accident. It will also cover all property damage whether it is another vehicle or a fence. It is strongly suggested that collision and comprehensive insurance be carried for young drivers. Collision covers the damages and replacement costs to the car your teen drives in the case of an accident involving another car, reckless driving, etc even if your teen was at fault. Comprehensive auto insurance covers accidents involving acts of nature such as four legged animals and accidents caused by bad weather.

The auto insurance coverage must come from a company which has been approved by the state of Maryland. You are required to carry proof of insurance with you at all times. This proof must include the VIN number of your vehicle, the make and model of your vehicle, the name of those covered as well as the policy holder and the name of the insurance company and the current effective dates of coverage. If your teen does not provide proof of insurance, they will be fined, could loose license plates and the registration to the vehicle as well as be forced to pay a fine. They will be required to pay uninsured motorist penalties in the amount of $150.00 for the first 30 days with $7.00 added for each day you go past the 30 days. You will also have to pay a $25.00 vehicle registration restoration fee. They will have to provide proof of the minimum liability insurance in order to restore their license and registration at the end of their suspension. The insurance company should supply the necessary documentation for proof of coverage. Keep this documentation in the glove compartment of the car to be sure you are covered in the case of a traffic stop.