If you live in Maryland, you already know that every driver must have car insurance. It’s the law. But if you’ve been turned down by other companies because of your driving record, past accidents, or a lapse in coverage, you might think you don’t have any more options.
GEBCO Insurance has been helping Maryland drivers get affordable coverage since 1971, regardless of their record. We specialize in people who need insurance when they need it most. Whether you’re a high-risk driver or just want a better rate, we’re here to help.
Call us for the lowest rate! 1-800-GO-GEBCO
Why GEBCO for Cheap Car Insurance in Maryland?
We’re not just another insurance agency. We’re a trusted Maryland institution with a history of helping drivers who’ve been turned down elsewhere.
Here’s what makes us different:
- We specialize in high-risk drivers. If you’ve been labeled “high-risk” because of tickets, accidents, or a lapse in coverage, we can help. We’re an authorized provider for MAIF (the Maryland Auto Insurance Fund), which was created specifically for drivers who can’t get coverage from traditional insurers.
- We offer a clear path to lower rates. We know you don’t want to pay high premiums forever. That’s why we offer a straightforward path to lower rates: make your payments on time and stay ticket-free and accident-free for one year, and you’ll be rewarded with an insurance upgrade with rates up to 35% lower.
- We provide one-on-one service. You work with a real person who knows your situation. We have multiple locations across Maryland and DC, so you can visit us in person or call us anytime.
What Are Maryland’s Minimum Insurance Requirements?
To drive legally in Maryland, your policy must include these minimum coverages:
Liability Insurance:
- $30,000 for bodily injury per person
- $60,000 for total bodily injury per accident
- $15,000 for property damage per accident
Uninsured/Underinsured Motorist Coverage:
Maryland requires this protection at the same minimum limits as your liability coverage. It protects you if you’re hit by a driver with no insurance or insufficient coverage.
Personal Injury Protection (PIP):
Maryland requires PIP coverage. It provides at least $2,500 per person for medical expenses and lost wages, regardless of who caused the accident.
A MAIF policy through GEBCO meets all these requirements. And we can help you add additional coverage like comprehensive, collision, rental reimbursement, or roadside assistance if you need it.
How MAIF Works for Maryland Drivers
The Maryland Auto Insurance Fund (MAIF) was created in 1972 to ensure every Maryland driver can get auto insurance, regardless of their driving history.
You likely qualify for MAIF if you:
- Are a Maryland resident with a valid Maryland driver’s license or vehicle registration
- Have been turned down by at least two private insurance companies
- Don’t owe money to any previous insurer
MAIF doesn’t turn anyone down because of their driving record. Even with multiple tickets, accidents, or a DUI on your record, you can get covered.
And here’s the best part: Because GEBCO is a broker, we’ll automatically shop for standard insurance for you once you’re eligible. We want to save you money, even if it means moving you out of MAIF auto insurance.
Affordable Payment Plans and Discounts
We know cost is a big concern. That’s why we offer flexible payment options and discounts to help you save:
- 18% Down Payment. You don’t need to pay the full annual premium upfront.
- 9 Monthly Installments. Your first payment isn’t due until 45 days after you sign the policy.
- 8% Pay-in-Full Discount. Pay the whole year at once and save 8%.
- Safe Driver Discounts. Your rate goes down as your record improves.
- Continued Coverage Discount. Stay with MAIF auto insurance for one year and save on renewal.
- Path to Lower Rates. Stay ticket-free and accident-free for one year, and you’ll be rewarded with rates up to 35% lower.
What Our Customers Say
GEBCO has helped over 500,000 drivers in Maryland and Washington, D.C., find cheap car insurance rates. Here’s what some of them have to say:
“MAIF has helped me get back on the road when no other company would. The service was good and the price was fair.”
“I never leave reviews just because I feel like it’s a waste of time, but I felt like I had to let people know about my experience with MAIF. MAIF is a really great company that tries to work with people.”
Get a Free Quote for Cheap Car Insurance in Maryland
Don’t let a bad driving record or a past mistake keep you off Maryland roads. You have options. We can help you find the cheap car insurance in Maryland you need.
Call GEBCO Insurance today at 1-800-GO-GEBCO or request a free quote online.
No judgment, or the runaround. Just straight answers and real help from people who have been in your shoes!