Derrick Elzey

We built this agency for people who want more than a transaction — they want a relationship. Our team works with families and individuals who value having local, accessible insurance professionals they can reach when questions come up or life changes. We believe insurance should be straightforward and personal to how you really live, not a one-size-fits-all quote pulled from a screen.

Our approach is simple: listen first, explain clearly, and help you make confident decisions without pressure. Whether you’re buying your first policy or reviewing coverage you’ve had for years, our role is to be a steady guide — not a salesperson. We serve our community with the mindset that long-term roots matter more than short-term wins. When you work with us, you’re working with a team that plans to be here for the long haul.

If you’re looking for a local agency that values clarity, responsiveness, and real relationships, we’re here to help.

Top Car Insurance Questions and Answers:

1. What are the minimum car insurance liability requirements in Maryland?

• $30,000 Bodily injury per person/$60,000 bodily injury per person/$15,000 property damage.

2. Does Maryland require uninsured/underinsured motorist coverage?

• Yes, Maryland requires uninsured motorist (UM) and underinsured motorist (UIM) coverage. Drivers must purchase UM/UIM coverage with limits equal to their bodily injury liability limits unless they reject it in writing. This coverage protects you if you're injured by a driver who has no insurance or insufficient insurance.

3. Are there any discounts available for Maryland car insurance?

• Good driver discounts for clean driving records

• Multi-vehicle discounts if you insure more than one car

• Good student discounts for young drivers with good grades

• Drive Save & Save Discounts

• And More...

4. How to compare Maryland car insurance quotes instantly?

• Call or text Derrick Elzey - State Farm Insurance agent, or use our quote link to obtain instantly.

5. Are there usage-based insurance programs in Maryland?

• Our Drive-Safe & Save discount provides a usage-based discount by using telematics, allowing you to receive the personalized discount that YOU earn.