Question 1

How does the multi-car discount work in Maryland?

Accepted Answer

The multi-car discount in Maryland typically requires every vehicle on the same policy and the same garaging address. Adding a second vehicle to your policy earns the discount, and the discount typically increases with a third vehicle. Carriers writing in Maryland—including Geico, State Farm, Progressive, Allstate, and Farmers—all offer multi-car discounts, but the structure and amount vary by carrier.

Question 2

Can I put two cars on one policy in Maryland if they're titled to different people?

Accepted Answer

Yes, if both vehicles share the same garaging address and both owners are listed on the policy. The multi-car discount typically requires the same address, and carriers writing in Maryland allow vehicles titled to different household members on one policy as long as the address matches and both owners are named insureds.

Question 3

What is Maryland's minimum liability for each vehicle on a multi-car policy?

Accepted Answer

Every vehicle on a Maryland multi-car policy must carry at least $30,000 bodily injury per person, $60,000 bodily injury per accident, $15,000 property damage, plus required PIP and uninsured motorist coverage. Each vehicle must meet this floor, but you can raise limits on individual vehicles without changing the others.

Question 4

Which carriers give the best multi-car discount in Maryland?

Accepted Answer

Geico, State Farm, Progressive, Allstate, and Farmers all write multi-car policies in Maryland and offer multi-car discounts, but the amount and structure vary by carrier. Compare carriers directly to see which gives the best discount for your household's vehicles and drivers.

Question 5

Do I need the same coverage on every vehicle on a Maryland multi-car policy?

Accepted Answer

No. Each vehicle on a Maryland multi-car policy can carry its own coverage level—one with liability only, another with full coverage including collision and comprehensive. Every vehicle must carry at least Maryland's 30/60/15 liability minimum plus required PIP and uninsured motorist, but you can add collision and comprehensive to individual vehicles without affecting the others.

Question 6

What happens to my multi-car discount if I add a vehicle mid-term in Maryland?

Accepted Answer

Adding a vehicle mid-term re-rates your entire Maryland policy rather than adding a flat amount. The multi-car discount typically increases with the third vehicle, but the total premium reflects all vehicles, drivers, and coverage selections. Contact your carrier to add the vehicle and see the updated rate.

Question 7

Does Maryland require PIP on every vehicle on a multi-car policy?

Accepted Answer

Yes. Maryland requires PIP on every vehicle, and each vehicle on a multi-car policy carries its own PIP coverage. PIP pays your medical expenses and lost wages regardless of fault, and the requirement applies even when you stack multiple vehicles on one policy.

Coverage	Minimum
Bodily Injury (per person)	$30,000,000
Bodily Injury (per accident)	$60,000,000
Property Damage	$15,000,000

Multi-Car Insurance — Maryland

Maryland Minimum Coverage

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