Best Auto Insurance for Seniors in Maryland (Top 9 Companies Ranked for 2024)
You’ll find the best auto insurance for seniors in Maryland from Allstate, State Farm, and The Hartford. Rates start as low as $54/month with State Farm, but low-mileage senior drivers will get cheaper Maryland auto insurance rates with Allstate. The Hartford offers the best MD senior auto insurance to AARP members.
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Kristen Gryglik
Licensed Insurance Agent
Kristen is a licensed insurance agent working in the greater Boston area. She has over 20 years of experience counseling individuals and businesses on which insurance policies best fit their needs and budgets. She knows everyone has their own unique needs and circumstances, and she is passionate about counseling others on which policy is right for them. Licensed in Massachusetts, New Hampshire,...
Licensed Insurance Agent
UPDATED: Sep 3, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Sep 3, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
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11,413 reviewsCompany Facts
Full. Coverage for Seniors in Maryland
A.M. Best Rating
Complaint Level
Pros & Cons
11,413 reviews
17,759 reviewsCompany Facts
Full Coverage for Seniors in Maryland
A.M. Best Rating
Complaint Level
Pros & Cons
17,759 reviews
765 reviewsCompany Facts
Full Coverage for Seniors in Maryland
A.M. Best Rating
Complaint Level
Pros & Cons
765 reviews
The top pick for the best auto insurance for seniors in Maryland is Allstate, offering the most competitive rates for low-mileage senior drivers. Other leading providers include State Farm and The Hartford, known for high customer satisfaction.
These companies provide seniors with cost-effective options and robust protection. Allstate stands out for its excellent service and affordable monthly auto insurance premiums starting at $54.
Our Top 9 Company Picks: Best Auto Insurance for Seniors in Maryland
Company Rank Bundling Discount A.M. Best Best For Jump to Pros/Cons
#1 25% A+ Senior Discounts Allstate
#2 20% B Personalized Service State Farm
#3 10% A+ AARP Benefits The Hartford
#4 20% A+ Coverage Options Progressive
#5 20% A Accident Forgiveness Liberty Mutual
#6 20% A+ Vanishing Deductible Nationwide
#7 15% A Personalized Coverage Farmers
#8 15% A Safe Driving American Family
#10 13% A++ Hybrid Discounts Travelers
Comparing quotes from these top insurers can help you find the best value and coverage tailored to your needs. Start saving on your auto insurance by entering your ZIP code above and comparing quotes.
- Allstate offers the best auto insurance for seniors in Maryland at $54/month
- State Farm and The Hartford provide reliable coverage tailored for seniors
- Compare quotes to find the most cost-effective and comprehensive options
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#1 – Allstate: Top Overall Pick
Pros
- Senior Discounts: Allstate is renowned for offering substantial discounts tailored specifically for seniors, making it one of the best auto insurance for seniors in Maryland.
- Multi-Policy Discount: With a 25% discount for bundling multiple policies, Allstate provides significant savings for auto insurance for seniors in Maryland.
- Low-Mileage Savings: Senior drivers in Maryland can save on auto insurance with Allstate Milewise, which tracks mileage to set rates. Read more in our Allstate Milewise review.
Cons
- Higher Minimum Coverage Rates: At $105 per month for minimum coverage, Allstate’s rates are higher compared to some competitors for auto insurance for seniors in Maryland.
- Limited Customization: While Allstate offers various discounts, its policy options may lack the personalization for auto insurance that some seniors in Maryland might prefer.
#2 – State Farm: Best for Personalized Services
Pros
- Personalized Service: State Farm excels in providing tailored services to seniors in Maryland. Wondering about its level of customer service? Find out in our State Farm Company Review.
- Low Rates: State Farm offers competitive monthly rates at $56 for minimum coverage auto insurance for seniors in Maryland.
- Multi-Policy Discount: With a 20% discount for bundling policies, Maryland senior drivers can enjoy additional savings with State Farm auto insurance.
Cons
- Lower A.M. Best Rating: State Farm has a B rating from A.M. Best, which may be a consideration for those looking for the highest-rated insurers for auto insurance for seniors in Maryland.
- Limited Discount Options: Compared to some competitors, State Farm’s range of available discounts for auto insurance for seniors in Maryland might be narrower.
#3 – The Hartford: Best for AARP Benefits
Pros
- AARP Benefits: The Hartford offers exclusive benefits for AARP members who need senior auto insurance in Maryland. Our review of The Hartford provides more detail about what’s offered.
- A+ Rating: The Hartford’s A+ rating from A.M. Best indicates strong financial stability and reliable service for its auto insurance for seniors in Maryland.
- Competitive Rates: With minimum coverage rates at $68 per month, The Hartford provides affordable options for auto insurance for seniors in Maryland.
Cons
- Lower Multi-Policy Discount: The Hartford offers a 10% discount for bundling policies, which is lower than some other senior auto insurance providers in Maryland.
- Limited Coverage Options: The range of coverage options might be less extensive compared to other Maryland senior auto insurance companies, potentially limiting choices.
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#4 – Progressive: Best Coverage Options
Pros
- Coverage Options: Progressive stands out for its diverse range of coverage options, making it ideal for seniors looking for comprehensive auto insurance in Maryland.
- A+ Rating: With an A+ rating from A.M. Best, Progressive ensures dependable service and financial strength for its auto insurance for seniors in Maryland.
- Affordable Rates: Offering minimum coverage at $63 per month, Progressive provides budget-friendly options for senior auto insurance in Maryland. Compares costs in our Progressive review.
Cons
- Limited Personalization: Progressive’s policies might not offer the same level of personalization as some competitors for auto insurance for seniors in Maryland.
- Average Multi-Policy Discount: The 20% multi-policy discount is beneficial, but not the highest available for senior auto insurance in Maryland.
#5 – Liberty Mutual: Best for Accident Forgiveness
Pros
- Accident Forgiveness: Liberty Mutual’s accident forgiveness feature is a major plus, especially for senior drivers in Maryland.
- Financial Rating: The insurer’s A rating from A.M. Best signifies reliability and strong service for auto insurance for seniors in Maryland. Learn more in our Liberty Mutual review.
- Competitive Rates: With minimum coverage at $95 per month, Liberty Mutual offers affordable options for auto insurance for seniors in Maryland.
Cons
- Limited Discount Range: While accident forgiveness is a key feature, the overall range of available discounts is limited compared to other MD senior auto insurance companies.
- Higher Full Coverage Rates: At $177 per month for full coverage auto insurance for seniors in Maryland, Liberty Mutual’s rates are higher compared to other providers.
#6 – Nationwide: Best for Vanishing Deductible
Pros
- Vanishing Deductible: Nationwide’s vanishing deductible feature is highly beneficial for seniors, reducing out-of-pocket costs over time for auto insurance for seniors in Maryland.
- A+ Financial Rating: With an A+ rating from A.M. Best, Nationwide is a trusted choice for senior auto insurance in Maryland.
- Low Rates: Offering minimum coverage at $58 per month, Nationwide provides cost-effective auto insurance for seniors in Maryland. Compare quotes in our Nationwide auto insurance review.
Cons
- Average Multi-Policy Discount: The 20% multi-policy discount is helpful, but not the most competitive for auto insurance for seniors in Maryland.
- Complex Policies: Some seniors might find Nationwide’s policy options to be more complex than those of other auto insurance providers for seniors in Maryland.
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#7 – Farmers: Best for Personalized Coverage
Pros
- Personalized Coverage: Farmers is known for its personalized coverage options, making it a great choice for senior auto insurance in Maryland.
- Financial Rating: With an A rating from A.M. Best, Farmers offers reliable service and financial stability for auto insurance for seniors in Maryland.
- Competitive Rates: With minimum coverage at $73 per month, Farmers provides affordable options for seniors’ auto insurance in Maryland. Find more details in our review of Farmers auto insurance.
Cons
- Lower Multi-Policy Discount: The 15% discount for bundling policies is lower than what some competitors offer for auto insurance for seniors in Maryland.
- Limited Online Tools: Farmers might lack some of the advanced online tools and resources available from other insurers for auto insurance for seniors in Maryland.
#8 – American Family: Best for Safe Drivers
Pros
- Safe Driving Discounts: American Family offers significant discounts for safe driving, making it ideal for senior drivers in Maryland.
- Financial Rating: With an A rating from A.M. Best, American Family is a reliable choice for auto insurance for seniors in Maryland.
- Affordable Rates: American Family provides cheap auto insurance for seniors in Maryland starting at $61/month. Read our online American Family review to compare rates.
Cons:
- Lower Multi-Policy Discount: The 15% multi-policy discount is beneficial but not as high as some competitors for auto insurance for seniors in Maryland.
- Limited Availability: American Family’s availability might be more limited in certain areas compared to other insurers for auto insurance for seniors in Maryland.
#9 – Travelers: Best for Hybrid Discounts
Pros
- Hybrid Discounts: Travelers offers significant discounts for hybrid vehicles, making it a great option for seniors’ auto insurance in Maryland.
- A++ Rating: With an A++ rating from A.M. Best, Travelers guarantees excellent financial stability and service for auto insurance for seniors in Maryland.
- Affordable Rates: With minimum coverage at $54 per month, Travelers provides budget-friendly options for seniors for auto insurance for seniors in Maryland.
Cons
- Lower Multi-Policy Discount: The 13% multi-policy discount is lower compared to other senior auto insurance providers in Maryland. Take a look at our Farmers insurance review to learn more.
- Limited Senior-Specific Discounts: While Travelers offers hybrid discounts, it might not have as many senior-specific discounts as some Maryland auto insurance companies.
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Breaking Down Senior Auto Insurance Rates in Maryland
Consider the monthly rates various providers offer for both minimum and full coverage auto insurance. The costs can vary significantly depending on the Maryland insurance company and the level of coverage you choose.
Maryland Senior Auto Insurance Monthly Rates by Provider & Coverage Level
Insurance Company Minimum Coverage Full Coverage
Allstate $105 $196
American Family $61 $114
Farmers $73 $137
Liberty Mutual $95 $177
Nationwide $58 $132
Progressive $63 $118
State Farm $56 $105
The Hartford $68 $140
Travelers $54 $101
For instance, State Farm emerges as one of the most affordable options for senior auto insurance in MD, offering minimum coverage at $56 per month and full coverage at $105. Travelers also provides competitive rates, with the lowest minimum coverage cost at $54/month and full coverage at $101/month.
On the higher end, Allstate has some of the most expensive rates, but low-mileage drivers can save by signing up for Milewise pay-as-you-go auto insurance in Maryland.
Other providers, such as American Family and Auto-Owners, offer similar pricing, with minimum coverage rates at $61 and full coverage ranging from $114 to $125. Companies like Liberty Mutual and The Hartford fall in the mid-range category, offering full coverage between $140 and $177 per month.
Comparing these rates can help seniors find the most cost-effective plan that still offers the protection they need on the road.
Comprehensive Coverage Choices for Maryland Senior Drivers
When selecting auto insurance, seniors in Maryland should be aware of Maryland auto insurance requirements. Liability coverage is the foundation of any auto insurance policy and is required by law in Maryland. It includes both bodily injury liability auto insurance and property damage liability.
Personal injury protection is also mandatory in Maryland. It covers medical expenses and lost wages for you and your passengers, regardless of who is at fault in an accident. PIP can also cover services like childcare or housekeeping if you are unable to perform these tasks due to injury.
Optional insurance listed below might be required if you have a new car or auto lease or if you want to cover out-of-pocket costs after an accident or claim.
- Uninsured/Underinsured Motorist Coverage: This coverage protects you if you’re involved in an accident with a driver who has little or no insurance. It ensures that your medical expenses and property damage are covered even when the other driver is unable to pay.
- Collision and Comprehensive Coverage: Collision auto insurance coverage pays for repairs to your vehicle if it’s damaged in an accident, regardless of who is at fault. Comprehensive coverage handles non-collision-related incidents, such as theft, vandalism, or damage from natural disasters.
- Roadside Assistance: Many insurance providers offer optional roadside assistance, which can be a lifesaver for seniors. This coverage includes services like towing, battery jump-starts, flat tire changes, and lockout assistance.
- Vanishing Deductible: A vanishing deductible is a feature where your deductible decreases over time as long as you maintain a clean driving record. This option can lead to substantial savings if you’re a careful driver.
These coverage options provide Maryland senior drivers with the flexibility to tailor their auto insurance policies to meet their unique needs.
Top Senior Auto Insurance Discounts in Maryland
When searching for the best auto insurance, seniors in Maryland can take advantage of various discounts that help lower premiums. These discounts are specifically designed for seniors and can significantly reduce the overall cost of coverage.
By combining multiple discounts, seniors can maximize their savings and enjoy comprehensive coverage at an affordable rate.
- Senior Discount: Some insurance providers offer specific discounts for drivers over a certain age, usually starting at 55 or 65. These senior discounts are often automatic but can sometimes require enrollment in a specific plan or program.
- Accident Forgiveness: While not a direct discount, accident forgiveness is a feature that some insurers offer to prevent your rates from increasing after your first at-fault accident. This can be particularly beneficial for seniors who want peace of mind without worrying about rate hikes.
- Pay-in-Full Discount: If you choose to pay your annual premium in full rather than in monthly installments, many insurers will offer a discount. Getting a pay-in-full auto insurance discount is ideal for seniors who prefer to manage their finances with one lump sum payment and enjoy the added savings.
- Telematics Discount: Using a telematics device or app to monitor your driving habits can also lead to discounts. Insurance companies offer lower rates to seniors who demonstrate safe driving patterns through these tracking programs.
These options provide additional opportunities to save on your insurance premiums, making coverage more affordable without sacrificing quality.
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How to Get Senior Auto Insurance Quotes Online
Comparing cheap online auto insurance quotes is a straightforward process that can save you time and help you make informed decisions about your coverage. To start, visit the website of an auto insurance provider or a comparison tool. Most insurance companies offer a user-friendly interface where you can quickly input your details to receive a quote.
You will need to provide basic information such as your ZIP code, vehicle details, driving history, and personal information. This data helps insurers calculate a rate that reflects your risk profile. Once you have entered your information, the system will generate a quote based on the details provided. Some sites offer instant quotes, while others might take a few minutes to process.
It is beneficial to obtain quotes from multiple insurers to compare rates and coverage options. Many websites also offer the option to adjust coverage levels and add extras to see how these changes affect your premium. This flexibility allows you to tailor your quote to better match your needs and budget.Kalyn Johnson Insurance Claims Support & Sr. Adjuster
After receiving your quotes, carefully review the coverage options and costs associated with each one. Look beyond just the premium cost to understand what is included in the policy, such as liability limits, deductibles, and any additional benefits or discounts.
Real-Life Success: Case Studies of Seniors Finding the Best Auto Insurance in Maryland
These brief case studies highlight how seniors in Maryland have successfully navigated their auto insurance options to secure the best coverage at the most affordable rates.
- Case Study #1 – Finding Affordable Full Coverage With Allstate: Mary, a 68-year-old retiree, lowered her monthly premium by 30% after switching to Allstate, which offered her comprehensive coverage for $75/month with the added benefits of accident forgiveness.
- Case Study #2 – Leveraging AARP Benefits With The Hartford: John, a 72-year-old AARP member, discovered that The Hartford offered significant discounts tailored to his needs. By taking advantage of AARP benefits, he reduced his full coverage premium to $85 per month.
- Case Study #3 – Personalized Service From State Farm: Susan, a 70-year-old senior, opted for State Farm due to their personalized customer service and flexible coverage options. After a detailed consultation, she found a plan that saved her $20 monthly compared to her previous insurer.
- Case Study #4 – Maximizing Discounts With Auto-Owners: Robert, 74, bundled his home and auto insurance with Auto-Owners and saw a 15% reduction in his overall insurance costs. This strategy provided him with robust coverage while keeping his monthly payments within his retirement budget.
- Case Study #5 – Securing Budget-Friendly Coverage With Travelers: Betty, a 69-year-old widow, chose Travelers for minimum coverage of just $54/month. This switch allowed her to allocate more of her fixed income toward other living expenses without sacrificing essential coverage.
By exploring different providers and taking advantage of available auto insurance discounts to ask for, seniors in Maryland can secure reliable, cost-effective coverage. Whether through bundling, personalized service, or special benefits, the right choice can lead to significant savings and enhanced peace of mind.
Final Thoughts: Choosing the Best Auto Insurance for Maryland Seniors
Selecting the best auto insurance for seniors in Maryland involves a careful comparison of rates, coverage options, and available discounts. The best auto insurance companies like Allstate, State Farm, and The Hartford offer robust coverage at competitive prices, making them strong choices.
Allstate offers the best auto insurance for seniors in Maryland with competitive rates starting at $54 per month, combining excellent coverage and top-notch service.Daniel Walker Licensed Auto Insurance Agent
It’s crucial to compare quotes from multiple companies to find the best fit for individual needs. Ultimately, thorough research and informed decisions lead to significant savings and peace of mind on the road. Find the best auto insurance company near you by entering your ZIP code into our free quote tool below.
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Frequently Asked Questions
Who has the best Maryland auto insurance for senior citizens?
Allstate offers the best auto insurance for seniors in Maryland with competitive rates starting at $54 per month, combining excellent coverage and top-notch service.
Which Maryland insurance companies are the best options for senior drivers?
Allstate is notable for its top-notch service and budget-friendly monthly premiums beginning at $54. State Farm and The Hartford also rank highly, offering dependable coverage and high customer satisfaction. These insurers present seniors with affordable choices and strong protection. Enter your ZIP code below to find out if you can get a better deal.
Which category of senior auto insurance is best?
Fully comprehensive auto insurance gives you the highest level of coverage. If you’re looking for peace of mind or have a new or expensive car, this could be the right policy for you.
Which is the most expensive form of auto insurance for seniors?
Comprehensive insurance is, in most cases, the most expensive coverage on the market. It also allows you to claim for accidental damage to your own vehicle, no matter who is to blame in the case of a collision.
Is 55 or 65 a senior citizen for auto insurance?
For most senior benefits, you must be 65, but some auto insurance companies will offer senior car insurance discounts when drivers turn 55 or 60. Compare the best Maryland auto insurance companies.
What is the cheapest Maryland auto insurance for seniors?
Travelers offers the cheapest full-coverage Maryland insurance for seniors at $101 per month and at $54 for minimum coverage monthly.
How much is auto insurance in Maryland?
The average cost of minimum auto insurance in Maryland is around $75/month, but senior auto insurance rates start as low as $54/month with discounts and safe driving habits
Why is auto insurance in Maryland so expensive?
Car insurance in Maryland is expensive because minimum liability requirements are so high and both personal injury protection and uninsured motorist coverage are required. In Maryland, you can expect to pay approximately $417 per month for full coverage car insurance or $176 per month for minimum coverage.
What age is Maryland auto insurance most expensive?
Maryland car insurance costs more for young drivers under 21.
Which Maryland insurance company has the most complaints?
Allstate and Liberty Mutual have twice the senior driver auto insurance complaints than other companies on this list.
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Kristen Gryglik
Licensed Insurance Agent
Kristen is a licensed insurance agent working in the greater Boston area. She has over 20 years of experience counseling individuals and businesses on which insurance policies best fit their needs and budgets. She knows everyone has their own unique needs and circumstances, and she is passionate about counseling others on which policy is right for them. Licensed in Massachusetts, New Hampshire,...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
