GUIDE TO
AUTO
INSURANCE
FOR TEEN & YOUNG ADULT DRIVERS
The Maryland Insurance Administration (MIA) is an independent state agency that
regulates Maryland’s insurance marketplace and protects consumers by ensuring
that insurers and insurance producers (agents and brokers) act in accordance with
insurance laws. We produced this guide to help educate Maryland residents about
auto insurance for teen and young adult drivers.
The Insurance Administration is also responsible for investigating and resolving
complaints and questions concerning insurers that conduct business in Maryland.
INTRODUCTION
Most teens can’t wait to earn the privilege to drive ... alone and away from parents’
protective eyes. Statistics show that teenagers are at the highest risk of a crash or
injury during their first two years of driving. Much of this is due to a simple lack
of experience. Driver error is also precipitated by such distractions as talking on a
cell phone, sending or reading text messages, conversing with passengers, smoking,
eating or listening to music.
Did you know that this simple lack of experience, combined with any driving
infractions, will greatly affect the auto insurance
premiums your family pays? That is why the
Maryland Insurance Administration has prepared this
guide. It provides an overview of Maryland’s insurance
laws and helpful tips on how to reduce your family’s
auto insurance premiums.
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