Car Insurance Is Our Specialty
Are you searching for affordable, reliable, and complete car insurance? Roadway Insurance is here for you! We provide auto insurance in Maryland, even for those who have struggled to get coverage elsewhere.
Roadway Insurance specializes in helping Maryland drivers find budget-friendly car, motorcycle, and truck insurance. We make sure your family has coverage after an accident. Our friendly agents handle claims quickly and work hard to give you the best coverage for your money.
We’ve helped drivers across Maryland and Washington, DC save thousands on their insurance. As one of the largest auto insurance agencies in the Baltimore-Washington area, we still prioritize customer service! Whether you call, shop online, or visit in person, you’ll get the attention you deserve.
Find the Best Auto Insurance
Roadway Insurance offers top-quality auto insurance at competitive rates. We specialize in auto insurance and provide a wide range of coverage options. Our agents will help you choose the plan that suits your needs.
We work with many insurance carriers, giving you more choices than most local agencies in Maryland or DC. As insurance specialists, we offer many products through our trusted network.
Guaranteed Car Insurance Coverage
We guarantee approval and coverage. You can drive with confidence, knowing your vehicle is insured. If you are an uninsured motorist or have had trouble getting coverage, we can help.
All Drivers Welcome!
Roadway Insurance accepts all drivers, regardless of their driving history. Safe drivers will enjoy the lowest rates, while new drivers and those with past coverage issues can find solutions through our My MD Auto Insurance program. The Maryland Auto Insurance Fund (MAIF) helps those who can’t get private insurance.
FR-19 & SR-22 Filing
Roadway Insurance provides FR-19 and SR-22 insurance documents for drivers who need them. These certificates prove insurance coverage for high-risk drivers.
If required, we will file these documents for you. As the leading provider of My MD Auto, we help Maryland Auto Insurance Fund policyholders meet these requirements. Typically, we keep these documents on file for three years, as long as there are no further violations. Drive safely, and your rates will go down!
Roadway Is a Progressive Authorized Provider
Roadway Auto Insurance is now a Progressive authorized provider in Maryland and DC. We offer discounts for previous coverage, paperless options, and electronic payments. Contact one of our insurance specialists to learn about Progressive plans through Roadway.
Frequently Asked Questions
Learn more about Maryland and DC car insurance by reading the answers to these customer questions.
Is Maryland a no-fault state?
No, Maryland follows an at-fault system for car accidents. This means someone must be found responsible for an accident, and the at-fault driver’s insurance must cover the other party’s damages.
Maryland also requires Personal Injury Protection (PIP) coverage. This helps pay for medical expenses and lost wages, regardless of fault.
What are Maryland’s minimum auto insurance requirements?
Maryland law requires drivers to have:
- Bodily Injury Liability: $30,000 per person, up to $60,000 per accident
- Property Damage Liability: $15,000
- Uninsured/Underinsured Motorist Coverage: At least the same limits as liability coverage
Failure to maintain coverage can result in fines, suspensions, and even the loss of your license and registration.
Why is my car insurance so high?
Many factors affect car insurance rates, including:
- Age and driving history: Younger and male drivers tend to pay more.
- Vehicle type: Expensive or high-performance cars cost more to insure.
- Location: High-traffic areas or places with frequent accidents lead to higher premiums.
- Driving habits: Frequent driving or a history of claims can increase rates.
What happens if you get in an accident without insurance in Maryland?
Driving without insurance is illegal in Maryland. If you’re in an accident without coverage, you may face
- Expensive fines
- License and registration suspension
- Lawsuits from the other driver
Car insurance protects you financially and ensures you meet legal requirements.
Why are there so many car accidents in Maryland?
Several factors contribute to Maryland’s high accident rate:
- Heavy traffic: Maryland has a high population density, leading to congestion.
- Busy highways: Roads like I-95 see heavy traffic and frequent crashes.
- Bad weather: Snow and ice increase accident risks.
- Reckless driving: Speeding and distractions cause many crashes
Why did Maryland car insurance rates increase?
Several reasons have caused insurance rates to rise:
- More drivers on the road: Post-pandemic traffic has led to more accidents and claims.
- Higher repair costs: Advanced technology makes car repairs more expensive.
- More uninsured drivers: Insured drivers end up covering the costs of those without insurance.
- Rising medical costs: Insurance companies must cover increasing medical expenses.
Do I need car insurance if I don’t drive every day?
Yes. Maryland law requires all registered vehicles to be insured, even if they are not used daily. If you plan to stop driving for a while, you must return your license plates to the MVA to avoid fines.
Does car insurance follow the car or the driver?
In Maryland, car insurance usually follows the car and not the driver. If someone else drives your car and has your permission, your car insurance will usually cover them if there’s an accident.
For example, if your friend borrows your car and gets into a crash, your insurance will most likely help pay for the damage. Depending on your policy, it may also cover damage to other vehicles, property, or people who were hurt.
But insurance will not pay for the accident if someone takes your car without permission or if the driver isn’t listed on your policy and wasn’t allowed to drive it. Also, if the costs are higher than your insurance limit, the driver’s own insurance might need to help.
Get FREE Car Insurance Quotes in Maryland
Are you looking for a car insurance quote? Roadway Auto makes it easy. We offer liability coverage, comprehensive plans, FR-19 and SR-22 filings, and more.
Contact our insurance specialists today for a free quote and start saving. We value our customers and promise top-quality service. Call us at 301-476-1183 for assistance!