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Maryland
Dragon Insurance is an independent agency licensed in Maryland, serving Baltimore, Columbia, Silver Spring, Rockville, and communities across the state. We compare 30+ carriers including Progressive, Safeco, and GEICO to find the lowest rate for your driving record, vehicle, and ZIP code, including Maryland's required 30/60/15 minimum plus mandatory PIP. Most Maryland drivers get a quote in under 1 hour, entirely by phone or online.
Independent agency. Licensed in Maryland. 30+ carriers compared. 60+ five-star reviews.
Most Maryland drivers, whether in Baltimore, the DC suburbs, or a smaller Eastern Shore town, buy car insurance from whoever they used last year, or whoever their parents used, without ever finding out whether a better rate exists for their exact profile.
Dragon Insurance is an independent agency, which means we work for you, not for any single carrier. When you call us, we quote your driver profile across 30+ carriers in one conversation and show you which one wins for your situation. Captive agents who represent a single company can only quote that one rate. We compare all of them.
We are licensed statewide in Maryland and serve Baltimore, Columbia, Silver Spring, Rockville, Towson, Frederick, and the rest of the state entirely by phone and online, with no office visit required. This matters even more in Maryland, since the state's required PIP and Uninsured Motorist coverage on top of the 30/60/15 minimum make carrier pricing vary more than in states with a simpler liability-only requirement.
Want to see how carrier comparison works before you call? Read our guide to comparing auto insurance quotes.
30+ carriers in one call
Progressive, Safeco, GEICO, The General, and more. We compare all of them for your specific profile.
Maryland's required PIP and UM, explained
We know Maryland's at-fault system plus its mandatory $2,500 PIP and Uninsured Motorist requirements. We explain exactly what the law requires and what it means for your premium.
Quote in under 1 hour
Most Maryland drivers, from Baltimore to the DC suburbs and the Eastern Shore, have their quote ready the same day. Complex records or non-standard risks: next business day.
60+ five-star reviews
Real clients across Baltimore, Columbia, Silver Spring, and communities throughout Maryland who called back after their first renewal.
Maryland requires more than a standard liability minimum. Here is what the law requires today and what most experienced Maryland drivers actually buy.
| Coverage | MD Minimum | Recommended |
|---|---|---|
| Bodily Injury Liability | $30,000 / $60,000 | $100,000 / $300,000 |
| Property Damage Liability | $15,000 | $100,000 |
| Personal Injury Protection (PIP) | $2,500 required | Waive only with qualifying health coverage |
| Uninsured / Underinsured Motorist | Required, matches liability limits | Keep it at full limits |
| Collision | Not required | Required if financed |
| Proof of Insurance | Verified electronically by MVA; continuous coverage required | Maintain continuous coverage |
Maryland's 30/60/15 liability minimum is set by state law, and the $2,500 PIP plus matching Uninsured Motorist coverage are also required, not optional add-ons. State minimums are the legal floor, not a coverage recommendation. Call us to discuss the right limits for your situation.
Dragon Insurance is licensed statewide in Maryland and serves families and businesses from Baltimore to the DC suburbs and the Eastern Shore.
Baltimore
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Columbia
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Germantown
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Silver Spring
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Waldorf
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Glen Burnie
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Frederick
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Rockville
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Gaithersburg
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Towson
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Featured Location
Looking for Baltimore-specific coverage details?
Visit our Baltimore, MD auto insurance page for local carrier availability, Baltimore-area rate guidance, and answers to the questions Baltimore drivers ask us most.
View Baltimore, MD Auto InsuranceExplore all Maryland coverage on our Maryland insurance page or start with our Baltimore, MD location page.
Questions Maryland drivers ask us most often, including about the state's required PIP and Uninsured Motorist coverage.
Maryland requires minimum liability coverage of 30/60/15: $30,000 bodily injury per person, $60,000 bodily injury per accident, and $15,000 property damage. Maryland also requires $2,500 in Personal Injury Protection (PIP) with every auto policy and Uninsured Motorist coverage at the same limits as your liability coverage under Maryland Insurance Code Sections 19-505 and 19-509. Maryland is an at-fault state.
Yes. Maryland law requires $2,500 in Personal Injury Protection (PIP) with every auto policy under Maryland Insurance Code Section 19-505. PIP pays medical expenses and lost wages for you and your passengers regardless of who caused the accident. Drivers with qualifying health insurance may elect a reduced or waived PIP option, but the rejection must be made in writing. We walk through this trade-off during every Maryland quote.
Yes. Maryland requires Uninsured Motorist (UM) coverage at the same limits as your liability coverage under Maryland Insurance Code Section 19-509. If your liability limits are 30/60/15, your UM coverage must also be at least 30/60/15. This protects you if you are hit by a driver who carries no insurance or not enough insurance to cover your damages.
According to MoneyGeek's 2026 Maryland rate analysis, Maryland drivers pay an average of $150 per month for full coverage and $86 per month for minimum coverage, both above the national average. Your exact rate depends on your ZIP code, driving record, vehicle, and the coverage limits you choose above Maryland's 30/60/15 minimum. As an independent broker, we compare 30+ carriers including Progressive, Safeco, and GEICO to find your most competitive rate.
Maryland is an at-fault state. The driver who causes an accident is responsible for the other party's property damage and injuries through their liability coverage. Maryland layers on a required $2,500 PIP benefit that pays your own medical expenses regardless of fault, plus mandatory Uninsured Motorist coverage, which together give Maryland drivers more built-in protection than most at-fault states require.
Often yes. An independent agent compares multiple carriers for your specific driver profile instead of quoting only one company. Dragon Insurance compares 30+ carriers in one call, including Progressive, Safeco, GEICO, and The General. With Maryland's required PIP and UM coverage layered on top of the 30/60/15 minimum, comparing carriers is the most reliable way to keep your premium competitive while meeting every state requirement.
Yes. Non-standard carriers like The General specialize in coverage for Maryland drivers with a DUI history, multiple violations, or a prior coverage lapse. We also handle SR-22 filings for Maryland license reinstatement after a suspension. Rates will be higher than a clean-record policy, but coverage is available, and comparing carriers still makes a meaningful difference.
Yes. Dragon Insurance is licensed in Maryland and serves Baltimore, Columbia, Silver Spring, Rockville, Towson, Frederick, Gaithersburg, and communities across the state. We compare 30+ carriers for auto, home, renters, and business insurance entirely by phone and online. See our Baltimore, MD location page for local details, including Chesapeake Bay area boat insurance for Baltimore-area vessel owners.
Maryland
Dragon Insurance compares 30+ carriers for drivers across Baltimore, the DC suburbs, and the rest of Maryland, including under the state's required 30/60/15 minimum plus mandatory PIP. Most quotes are ready in under 1 hour, entirely by phone or online.
60+ five-star reviews · 2,500+ clients served · Independent agency, licensed in Maryland
Blog
More guidance for Maryland drivers.
April 24, 2026
How to Compare Auto Insurance Quotes (Step-by-Step)
What to review before you switch carriers, including liability limits, deductibles, and discounts that actually lower your rate.
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June 6, 2026
The General Auto Insurance Review (2026): Cost, Ratings, Reviews & Better Alternatives
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June 14, 2026
Independent vs Captive Insurance Agent: Which Should You Use?
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