Just found out something kinda wild—apparently Maryland is one of those states where insurance companies can really jack up your rates if they label you as a "high-risk" driver. I mean, I knew tickets and accidents would bump premiums, but didn't realize how quickly things could spiral. My cousin got hit with a DUI last year (yeah, dumb move, he knows it), and now he's paying almost triple what he used to. Triple! And it's not just DUIs—speeding tickets, reckless driving, even just a couple minor fender-benders can land you in this category.
I read somewhere that Maryland has some of the highest average rate hikes for drivers considered risky. Seems kinda harsh compared to other states, but maybe there's a reason behind it? Curious if anyone else has dealt with this or knows more about why Maryland's so tough on drivers who mess up.
