Coverage That Goes the Extra Mile
Auto Insurance in Southern Maryland
We compare auto insurance rates across multiple carriers for drivers in Charles, Calvert, and St. Mary's Counties, so you are not paying one company's price for coverage that may not even meet what Maryland requires.
Auto Insurance for the Roads You Actually Drive
Route 301 through Waldorf, Route 4 down the Calvert peninsula, and Route 235 into Lexington Park each carry their own traffic patterns and claim risk. We write car insurance for drivers across Charles County and throughout Southern Maryland, and because we are independent, we can move your policy between carriers as your rates and your life change.
Whether you are insuring a first car, a teen driver, or three vehicles in one household, we start by confirming your policy meets Maryland's requirements, then look at where higher limits are worth the small premium difference. We also write auto coverage for clients in
Calvert County and
St. Mary's County.
Fifty Years of Insuring Southern Maryland Drivers
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A.F. Szabo has been writing insurance from Waldorf since the 1970s, founded by Helene's father and run today by Helene and David Gummere as a husband-and-wife team. That continuity is the reason clients stay through car changes, teen drivers, and moves across the region.
More than 50 years serving Southern Maryland families from the same Waldorf office
Second-generation, family-owned and independently operated
Access to multiple top-rated national and regional carriers, so your policy can move when a better fit appears
Direct phone access to the people who wrote your policy, not a rotating call center queue
Home, auto, umbrella, and business coverage handled under one agency
What auto insurance is required in Maryland?
Maryland requires liability limits of at least $30,000 per person and $60,000 per accident for bodily injury, plus $15,000 for property damage, along with matching uninsured motorist coverage. Personal injury protection has to be offered to you at a minimum of $2,500, but you can waive it in writing. We walk you through what those minimums do and do not cover before you decide.
What factors impact my car insurance rates in Charles County?
Driving record, vehicle make and model, annual mileage, age, ZIP code, coverage limits, and deductible choices all move your premium. Carriers weigh those factors differently, which is why the same driver can get meaningfully different quotes from two companies. We compare across carriers and apply every discount you qualify for.
Do I need full coverage on an older car?
It depends on the car's value against your annual comprehensive and collision premium plus deductible. Once that premium starts approaching what the car is worth, dropping to liability-only can make sense. We run the comparison with you rather than guessing.
Can I bundle home and auto insurance in Maryland?
Yes. Most carriers we work with discount both policies when they are written together, and bundling also means one agency handling both renewals. Ask us to quote your homeowners insurance alongside your auto policy and compare the combined premium.
What should I do after a car accident in Southern Maryland?
Check that everyone is safe and call 911 if anyone is hurt. Exchange insurance and contact information, photograph the vehicles and the scene, and get a police report number. Then call us, and we will open the claim and stay with it through resolution.
Auto Insurance Questions From Maryland Drivers
"They made finding the right coverage easy and stress-free. I always feel like more than just a policy number here!"
Maria G., Waldorf, MD
"A true neighborhood agency. When we had a claim, they were right there helping every step of the way."
Darnell T., Brandywine, MD
Drive Confidently with the Right Coverage
Finding the right auto insurance shouldn’t feel overwhelming. Let’s craft a policy that keeps you & your vehicle protected — wherever the road leads.