A Comparison Guide to Automobile Insurance Rates in Maryland

As of February 2016

Table of Contents How to Shop for Auto Insurance 2 What Factors Impact Rates 2 How to Use This Guide 3 About Financing Insurance 3 Notes to Rate Tables 3 Scenario Descriptions 4 A Comparison Guide to Automobile Insurance Rates in Maryland Comparison Worksheet 7 Rate Tables Western Maryland, Washington D.C. 11 Suburbs, and Southern Maryland Greater Baltimore Suburban 35 Eastern Shore (w/o Cecil) 59 Company Phone Numbers and Websites 83 Coverages Offered by Company 85 How to File a Complaint 89 Rapid Response Program 89 1 1

How to Shop for Auto Insurance Comparison shopping is the key to getting the most for your insurance dollar. The best time to shop for insurance is before you purchase a car, trade in a vehicle, add drivers or when your policy is up for renewal. Here are some basic tips to follow when shopping for insurance: Before buying a new car, determine your insurance costs. Highperformance vehicles usually come with higher insurance costs. Know what insurance coverage you are buying. Before you begin calling to request price quotes, familiarize yourself with the insurance coverage you are buying. It is important to know which coverages Maryland law requires you to purchase and what optional coverages you may purchase. Seek unbiased information. In addition to referring to this auto insurance rate guide, you also may seek information from consumer groups, consumer publications (i.e. Consumer Reports) and the Internet. Do comparison-shopping. Contact several insurance companies or agents. Also, ask your relatives and friends for recommendations. In addition, some banks, employers and special interest groups offer insurance directly to their members. Ask for price quotes. In order to make an apples-to-apples price comparison, you must provide the same information to each company or agent. The following information is normally requested: make/model/year of vehicle, number of average annual miles, region in which you live, coverages and limits desired and driving record (accidents or violations). Ask about deductibles. A deductible is the amount you agree to be responsible for in the event of damage to your vehicle (i.e. accident, fire or vandalism). If you select a high deductible, you pay more out of your own pocket for any damage or loss; however, your premium should be lower. Ask for discounts. Again, to help keep rates down, ask what discounts the company offers (i.e. security devices, safety devices, good-driving record, defensive-driving courses, good student, etc.). Protect yourself from insurance fraud. Once you have selected the insurance company, contact the Maryland Insurance Administration at, www.insurance.maryland.gov, or via phone to verify that the agency/company is licensed to sell insurance in Maryland. It is illegal for unlicensed companies and agents to sell insurance in Maryland. What Factors Impact Rates? When applying for auto insurance, companies evaluate your risk and the likelihood you will file a claim. This is referred to as underwriting a risk. Once your level of risk has been determined, the company will group you with policyholders who have similar risk characteristics. Then, the company will assign a rate based on the claims history for your risk group. The most common factors that impact rates are: Driving record. If your driving record is less than perfect, you will be considered a higher risk and will pay a higher premium. Geographic area. The number of claims filed by policyholders in your area will also affect the rates charged by insurance companies. Gender and age. Statistics show that males and young adults have a higher incidence of accidents and claims. Therefore, your gender and age will determine your rate. Marital status. Married individuals have a lower incidence of accidents and claims so they generally pay lower premiums than single people. Prior insurance coverage. Any time period(s) that you did not carry auto insurance will affect your premium. Annual mileage. Insurers will calculate your premium based on the average distance you drive on an annual basis. Make and model of car. Premiums are also based on your car s make/model and value. Credit history. Some, but not all, insurance companies use your credit history (good or bad) as a factor in determining your premium. For more detailed information about shopping for auto insurance, please refer to the Maryland Insurance Administration s A Consumer Guide to Auto Insurance. It is available on our website, www.insurance.maryland.gov or it may be requested by calling 410-468-2000 or 800-492-6116. 2 2

How to Use This Guide This guide lists those companies writing the greatest number of insurance policies in Maryland. Individuals may not qualify for coverage in all companies. Affiliated insurance companies have different underwriting standards. Within a group of companies (i.e. State Farm or Allstate), consumers are placed in the affiliated company based on their risk level. To obtain a sample premium in your area, use the included charts as follows: Refer to the region you wish to compare (i.e. Western Maryland, Washington D.C. Suburbs, Southern Maryland, Greater Baltimore Suburban Area, or Eastern Shore (w/o Cecil) Choose a scenario that most cl osely reflects your household makeup. Determine which zip code is closest to where you live. Compare the companies and rates pr ovided for that scenario in that zip code Rates shown in this guide are total annual premiums for 12 scenarios and do not account for other variables such as discounts you may qualify for or other vehicles and age brackets. This data is provided by the carriers and is subject to change. About Financing Insurance Not everyone can afford to pay their insurance premiums upfront. Therefore, many insurance companies offer installment plans. In addition, your premium may also be financed by a premium finance company, which finances premiums in exchange for a consumer s agreement to pay interest and service fees. The minimum coverages and coverage limits required by Maryland law are: Liability coverages of $30,000 for bodily injury per person or $60,000 per accident, and $15,000 for property damage (a.k.a. 30/60/15); Personal Injury Protection (PIP*) coverage of $2,500; and Uninsured Motorist (UM) coverages of $30,000 bodily injury per person or $60,000 per accident, and $15,000 for property damage (a.k.a. 30/60/15). Comprehensive and Collision coverages are optional. *PIP may be limited (See Definitions), which will result in a lower premium. 3 3 Notes to Rate Tables: RATES AND AVAILABILITY ARE SUBJECT TO CHANGE BY THE CARRIERS. * Indicates those companies which consider credit scores in determining premiums. N/A = Carriers that do not have rates available based on criteria in the scenario, such as an at-fault Maryland Automobile Insurance Fund: MAIF generally offers the state mandatory minimum liability limits of $30,000/$60,000/$15,000. For Scenarios 3-7 and 11-12, MAIF does not offer limits of $100,000/$300,000/$50,000. However, MAIF does offer limits of $100,000/$300,000/$100,000, for which rates are provided. MAIF does not provide the limits in Scenarios 8, 9 and 10. Definitions Full PIP covers you and members of your family residing with you who may be injured in a motor vehicle accident, anyone else injured while in your vehicle, and pedestrians injured by your vehicle. Limited PIP eliminates coverage for you, your family members 16 years of age or older that reside with you, and any listed drivers on the policy. Anyone else injured while in your vehicle and pedestrians injured by your vehicle will continue to be covered. Limited PIP premiums are typically 40% of Full PIP premiums. You must sign a waiver form to obtain Limited PIP. Uninsured Motorist (UM) protects you if a hit-and-run driver or someone without insurance causes damage to your property or injures you or your passenger(s). Comprehensive coverage pays for damage to your car resulting from causes other than an accident, such as vandalism or theft. Collision coverage pays to repair your vehicle or what your vehicle was worth right before an accident occurred (if your company determines the car is totaled), regardless of who caused the

SCENARIO DESCRIPTIONS Scenario 1: Young Single Male, Age 23. Rents an apartment. Drives a 2009 Honda CR-V EX UTL4x4 VIN 5J6RE48509 Drives 15 miles each day total for work. Drives 15,000 miles annually. No accidents or violations in past three years. No credit history (where applicable) and no companion policy discount. Liability $30,000/$60,000/$15,000 Full PIP $2,500 UM $30,000/$60,000/$15,000 Comprehensive $250 deductible Collision $500 deductible Scenario 2: Young Single Female Age 23. Rents an apartment. Drives a 2009 Jeep Liberty Limited UTL4x2 4DR VIN 1J8GP58K09 Drives 35 miles each way to/from work. Drives 15,000 miles annually. Speeding ticket 19 months ago for traveling 10 miles over the speed limit. No credit history (where applicable) and no companion policy discount. Liability $30,000/$60,000/$15,000 Full PIP $2,500 UM $30,000/$60,000/$15,000 Comprehensive $250 deductible Collision $500 deductible Scenario 3: Single Male, Age 30. Homeowner. Drives a 2006 Subaru Forester 2.5x Premium AWD VIN JF1SG65606 Drives 50 miles each day total for work and 25,000 miles annually. No accidents or violations in past 3 years. No credit history (where applicable). Receives companion policy discount. Liability $100,000/$300,000/$50,000 Full PIP $2,500 UM $100,000/$300,000/$50,000 Comprehensive $250 deductible Collision $500 deductible Scenario 4: Single Female, Age 30. Homeowner. Drives a 2007 Toyota Prius hatchback VIN JTDKB20U07 Drives 20 miles each way to/from work and 15,000 miles annually. No accidents or violations in past 3 years. Best credit history (where applicable). Receives companion policy discount. Liability $100,000/$300,000/$50,000 Full PIP $2,500 UM $100,000/$300,000/$50,000 Comprehensive $250 deductible Collision $500 deductible Scenario 5: Single Male, Age 50. Homeowner. Drives 2005 Ford F-250 XLT 4x4 4DR Crew Cab Gas 172 WB VIN 1FTNW21505 Drives 60 miles each day total for work/business and 25,000 miles per year. Second vehicle 1990 Camaro RS Convertible VIN 1G1FP33E0L For pleasure use only drives 3,000 miles per year. Garage kept. No accidents or violations in past 3 years. Best credit history (where applicable). Receives companion policy discount. Liability $100,000/$300,000/$50,000 Full PIP $2,500 UM $100,000/$300,000/$50,000 Comprehensive $250 deductible Collision $500 deductible Scenario 6: Senior Citizen Single Male, Age 65. Homeowner (retired). Drives a 2012 Ford Escape XLS UTL 4x2 4DR VIN 1FMCU0C70C Drives 5,000 miles per year pleasure use. No accidents or violations in past 3 years. Best credit history (where applicable). Receives companion policy discount. Liability $100,000/$300,000/$50,000 Full PIP $2,500 UM $100,000/$300,000/$50,000 Comprehensive $250 deductible Collision $500 deductible 4 4

Scenario 7: Senior Citizen Single Female, Age 65. retired. Does not own home. Drives a 2004 Honda Accord Coupe LX 2.4L/4 VIN 1HGCM71304 Drives 5,000 miles annually - pleasure use. No accidents or violations in past 3 years. Best credit history (where applicable); no companion policy discount. Liability $100,000/$300,000/$50,000 Full PIP $2,500 UM $100,000/$300,000/$50,000 Comprehensive $250 deductible Collision $500 deductible Scenario 8: Single Female, Age 50. Does not own home. Drives a 2010 Ford Explorer XLT UTL 4x4 4DR VIN 1FMEU7DE0A Best credit history (where applicable). Drives 30 miles each way to/from work and 20,000 miles annually. No accidents or violations in past 3 years. Liability $250,000/$500,000 /$100,000 Full PIP $2,500 UM $250,000/$500,000/$100,000 Comprehensive $250 deductible Collision $500 deductible Scenario 9: Family Rate -- Premiums include coverage for two vehicles and two drivers, with a multi-car discount and a companion homeowners discount, where available. Two children under age 12. Married Male, Age 35. Drives a 2010 Dodge Dakota Crew Cab PKP 4x4 4DR VIN 1D7HW5GP0A Drives 45 miles each day total for work and 35,000 miles annually. No accidents or violations in past 3 years. Self-employed. Best credit history (where applicable). Liability $250,000/$500,000 /$100,000 Full PIP $2,500 UM $250,000/$500,000 /$100,000 Comprehensive $250 deductible Collision $500 deductible Married Female, Age 32. Drives a 2005 Nissan Altima 2.5 4DR 4 Cyl Gas VIN 1N4AL11D05 Drives 10 miles each way to/from work and 15,000 miles annually. No accidents or violations in past 3 years. Best credit history (where applicable). Liability $250,000/$500,000 /$100,000 Full PIP $2,500 UM $250,000/$500,000 /$100,000 Comprehensive $250 deductible Collision $500 deductible Scenario 10: Family Rate Premiums include coverages for two vehicles and two drivers, with a multi-car discount and a companion homeowners discount, where available. One child under age 2. Married Male, Age 26. Homeowner. Drives a 2008 Toyota Tundra Double Cab 4x2 4DR VIN 5TFRV54108 Drives 10 miles each way to/from work and 20,000 miles annually. No accidents or violations in past three years. Best credit history (where applicable). Liability $250,000/$500,000 /$100,000 Full PIP $2,500 UM $250,000/$500,000 /$100,000 Comprehensive $250 deductible Collision $500 deductible 5 5

Scenario 10 (Cont.): Married Female, Age 24. Drives a 2006 Toyota Sienna Wag 4x2 LE 5DR Sport Van VIN 5TDZA23C06 Drives 5,000 miles annually does not work. No accidents or violations in past three years. Best credit history (where applicable). Liability $250,000/$500,000 /$100,000 Full PIP $2,500 UM $250,000/$500,000 /$100,000 Comprehensive $250 deductible Collision $500 deductible Scenario 11: Family Rate -- Premiums include coverages for two vehicles and two drivers, with a multi-car discount. Renting a home, no companion policy discount. Two children under age 12. Married Male, Age 29. Drives a 2011 Chevrolet Silverado 1500 PKP 4x2 2DR Regular Cab VIN 1GCNCSEA0B Drives 20 miles each way to/from work and 15,000 miles annually. No accidents or violations in past three years. No credit history (where applicable). Liability $30,000/$60,000/$15,000 Full PIP $2,500 UM $30,000/$60,000/$15,000 Comprehensive $250 deductible Collision $500 deductible Married Female, Age 29. Drives a 2007 Ford Taurus SE Sedan 4DR VIN 1FAFP53U07 Drives 5,000 miles annually works part-time. No accidents or violations in past three years. No credit history (where applicable). Liability $30,000/$60,000/$15,000 Full PIP $2,500 UM $30,000/$60,000/$15,000 Comprehensive $250 deductible Collision $500 deductible Scenario 12: Family Rate -- Premiums include coverages for two vehicles and three drivers, with a multi-car discount and a companion homeowners discount, where available. Married Male, Age 44. Homeowner. Drives a 2011 Chevy Equinox AWD UTL 4x4 4DR VIN 2CNFLNEC0B Drives 30 miles each way to/from work and 35,000 miles annually. One at-fault accident 15 months ago with claim paid in excess of $10,000. Self-employed. Worst credit history (where applicable). Liability $100,000/$300,000/$50,000 Full PIP $2,500 UM $100,000/$300,000/$50,000 Comprehensive $250 deductible Collision $500 deductible Married Female, Age 44. Homeowner. Drives a 2008 Toyota Camry SE Sedan 4DR VIN 4T1BK46K08 Drives 5,000 miles annually - does not work. No accidents or violations in past three years. Worst credit history (where applicable). Liability $100,000/$300,000/$50,000 Full PIP $2,500 UM $100,000/$300,000/$50,000 Comprehensive $250 deductible Collision $500 deductible Young Single Male, Age 17. Does not have his own vehicle he is an occasional driver of the 2008 Toyota. Has 1 year of driving experience. Took a driver training course. Has a B average in school. Speeding ticket 6 months ago 10 miles over the speed limit. 6 6

Shopping for Automobile Insurance Company/Policy Comparison Worksheet If you are shopping for automobile insurance, you may use this worksheet to help gather information about insurance companies and the automobile insurance policies they sell. You may call a producer or the insurance company for a rate quote. Company Name Telephone number Financing rating Company licensed (Yes/No) Discounts offered Annual premium List all vehicles and drivers 7

COVERAGE LIMITS COVERAGE LIMITS COMPARISON (Coverages vary by policy. Make sure you get the coverage you need!) LIABILITY Limits (30/60/15 is the minimum required by law): Premium: PERSONAL INJURY PROTECTION (PIP) Limits ($2,500 is the minimum required by law, unless waived): Premium Full Coverage: Premium Waived Coverage: UNINSURED/ UNDERINSURED MOTORIST COVERAGE Limits: Premium: Limits: COLLISION Premium: Deductible: 8

COMPREHENSIVE (OTHER THAN COLLISION) Limits: Premium: Deductible: MEDICAL PAYMENTS Limits: Premium: TOWING AND LABOR Limit per disablement: Maximum number of day: Premium: RENTAL REIMBURSEMENT Limits: Maximum number of days: Premium: 9

COVERAGE COMPARISON PHYSICAL DAMAGE LIABILITY COVERAGE COMPARISON (Coverages vary by policy. Make sure you get the coverage you need!) Does the policy cover: Family and other household residents? People who drive my car with my permission? Does this policy provide liability coverage if: I drive someone else s car? I am driving a rental car? I drive out the United States? Does the policy cover: Family and other household residents who drive my car: People who drive my car with my permission? Does this policy provide physical damage coverage if: I drive someone else s car? I am driving a rental car? Yes Yes Yes Yes Yes Yes Yes Yes Yes No No No No No No No No No Yes Yes Yes Yes Yes Yes Yes Yes Yes No No No No No No No No No Yes Yes Yes Yes Yes Yes Yes Yes Yes No No No No No No No No No Does the policy cover damage to: A rental car? Yes No Yes No Yes No Does the policy cover physical damage for: Replacement vehicles? Temporary substitute vehicles? Yes Yes No No Yes Yes No No Yes Yes No No 10

Scenario 1: Young Single Male, Age 23 21502 21550 21740 20904 20744 20678 20603 20650 Allegany Garrett Washington Montgomery Prince George's Calvert Charles Saint Mary's Western 21st Century Centennial Insurance Co. 3001 3001 3000 4338 4724 3238 3843 3411 Maryland, * Agency Insurance Co. of MD, Inc. 2260 2260 2035 2759 3108 2428 2782 2251 Washington D.C. * AIG Property Casualty Co. 2060 2060 1026 1558 2692 2148 2148 2148 Suburbs, and Allstate Indemnity Co. 1604 1604 1591 2316 2362 2166 2289 2180 Southern * Amco Insurance Co. 1815 1790 1756 3000 3842 2682 2719 2478 Maryland * American States Preferred Insurance Co. 2382 2362 2431 3244 4242 2709 2970 2764 * Amica Mutual Insurance Co. 2172 2172 2172 2321 2775 2557 2557 2557 Rates Bankers Standard Insurance Co. 4426 4426 2081 2972 3473 3631 4618 4555 Effective Brethren Mutual Insurance Co. 2364 2364 2364 2862 3384 2828 2828 2828 as of * Chubb National Insurance Co. 2030 2030 2281 3228 3346 2594 3132 2461 2/1/2016 Cincinnati Insurance Co. 1583 1733 1472 1888 3282 1643 1599 1765 * CSAA General Insurance Co. 2360 2908 2387 3278 4786 3200 3593 3035 * Cumberland Insurance Co. Inc. 1723 1723 1723 2225 2445 2120 2120 2120 * Indicates * Dairyland Insurance Co. 5220 5220 4908 7468 8134 6064 7434 6238 those companies Donegal Mutual Insurance Co. 3246 3246 2493 5283 5414 3242 3917 3917 that consider Elephant Insurance Co. 2016 2016 2000 3036 3504 2868 3125 2735 credit scores Encompass Home/Auto Insurance Co. 1974 1974 1761 3453 4530 3132 3301 2883 in determining Erie Insurance Co. 2600 2600 2485 4095 4694 2923 3463 2923 premiums. Erie Insurance Exchange 1637 1637 1553 2532 2924 1826 2164 1826 Refer to * Esurance Property and Casualty Ins. Co. 3932 3932 3568 4776 5416 4182 4744 3944 "Notes to * Foremost Insurance Co. 4881 4881 4486 6440 7047 5332 6068 4959 Rate Tables" * Garrison Property & Casualty Ins. Co. 2202 2025 2025 2892 3119 2278 2579 2124 * GEICO Casualty Co. 932 932 877 1131 1382 1030 1216 948 * Hartford Casualty Insurance Co. 3596 2683 3416 5136 5658 3588 4519 3750 n/a = Carriers * Horace Mann Insurance Co. 916 916 889 1166 1387 1092 1234 1081 that do not have * Horace Mann Property & Casualty Ins. Co. 1382 1382 1533 1926 2865 1663 2339 1811 rates IDS Property Casualty Ins. Co. 1250 1264 1286 1808 1984 1300 1582 1206 available based * LM General Insurance Co. 2100 2074 2150 2667 3165 2637 2802 2407 on the criteria * LM Insurance Corp. 2333 2293 2365 2949 3524 2916 3100 2651 in the Maryland Auto Insurance Fund 2892 2892 2892 2598 3128 2886 2983 2880 scenario, such Metropolitan Casualty Insurance Co. 1740 2179 1740 3401 3862 2658 3102 2658 as an at-fault Metropolitan Direct Property and Casualty 1503 1503 1503 1954 2556 1972 2145 1879 11

Scenario 1: Young Single Male, Age 23 21502 21550 21740 20904 20744 20678 20603 20650 Prince Allegany Garrett Washington Montgomery George's Calvert Charles Saint Mary's Western Metropolitan Group Property and Casualty 1836 2016 1836 2524 3230 2594 2584 2594 Maryland, Mid-Century Insurance Co. 2288 2288 2089 2937 3283 2484 2836 2321 Washington D.C. Mutual Benefit Insurance Co. 2217 2420 2203 2669 3104 2433 2856 1789 Suburbs, and National General Assurance Co. 3808 3808 3742 4190 4940 3869 4524 4031 Southern * Nationwide Affinity Ins. Co. of America 1601 1552 1416 2136 2485 1755 1989 1694 Maryland * Occidental Fire & Casualty Co. of N.C. 3206 3206 2898 3056 3808 3206 3206 3206 * Old Dominion Insurance Co. 2396 2836 2606 4064 4784 3118 3746 3244 Rates Paramount Insurance Co. 5108 5108 5108 4949 4949 5590 5703 5590 Effective * Peninsula Insurance Co. 2693 2243 2367 3341 4593 2991 3549 2775 as of * Penn National Insurance Co. 1994 2062 2112 2852 3501 2550 2771 2565 2/1/2016 Pharmacists Mutual Insurance Co. 1518 1518 1518 1831 1991 1871 1871 1871 Privilege Underwriters Reciprocal Exch. 2115 2115 954 1526 2296 2194 2194 2194 * Progressive Select Insurance Co. 1929 2147 1787 2340 2583 2224 2302 1963 * Indicates * Progressive Specialty Insurance Co. 2016 2149 1981 2763 2897 2357 2672 2226 those companies * Response Insurance Co. 3974 3557 3609 4167 4636 4013 4466 3849 that consider * Selective Ins. Co. of South Carolina 1760 1824 1708 2646 3224 2310 2494 2138 credit scores * State Automobile Mutual Insurance Co. 2295 2277 2315 3727 3773 2947 3167 2543 in determining * State Farm Fire & Casualty Co. 2495 2549 2648 3020 3205 2869 3553 2652 premiums. * State Farm Mutual Automobile Ins. Co. 1652 1691 1750 1991 2117 1902 2352 1760 Refer to * Teachers Insurance Co. 1571 1571 1810 2397 3275 1875 2658 2050 "Notes to * Titan Indemnity Company 2738 2710 2758 3754 3978 3133 3544 2946 Rate Tables" Travelers Property Casualty Insurance Co. 1974 2330 2142 3524 3956 2366 3194 2470 United Farm Family Insurance Co. 1609 1609 1609 2367 2684 2092 2092 2092 * United Services Automobile Association 1180 1180 1266 1664 1797 1337 1528 1239 n/a = Carriers * Unitrin Auto & Home Insurance Co. 1816 1887 1739 2701 4037 2575 2666 2670 that do not have * USAA General Indemnity Co. 1806 1806 1806 2155 2466 1865 2149 1783 rates * USAA Property and Casualty Insurance Co. 1358 1388 1240 1672 1977 1346 1624 1304 available based * Victoria Fire & Casualty Company 2769 2741 2788 3797 4024 3169 3583 2980 on the criteria in the scenario, such as an at-fault 12

Scenario 2: Young Single Female, Age 23 21502 21550 21740 20904 20744 20678 20603 20650 Prince Allegany Garrett Washington Montgomery George's Calvert Charles Saint Mary's Western 21st Century Centennial Insurance Co. 3183 3183 3138 4507 5029 3395 4039 3613 Maryland, * Agency Insurance Co. of MD, Inc. 2559 2559 2357 3295 3634 2835 3235 2607 Washington D.C. * AIG Property Casualty Co. 2516 2516 1251 1919 3272 2638 2638 2638 Suburbs, and Allstate Indemnity Co. 1610 1610 1597 2344 2367 2187 2301 2203 Southern * Amco Insurance Co. 1967 1931 1897 3383 4255 2985 3027 2753 Maryland * American States Preferred Insurance Co. 3712 3627 3793 5117 6549 4209 4609 4294 * Amica Mutual Insurance Co. 2088 2088 2088 2218 2668 2458 2458 2458 Rates Bankers Standard Insurance Co. 3532 3532 1662 2364 2764 2882 3677 3618 Effective Brethren Mutual Insurance Co. 2106 2106 2106 2550 3016 2524 2524 2524 as of * Chubb National Insurance Co. 2149 2149 2416 3426 3546 2749 3321 2605 2/1/2016 Cincinnati Insurance Co. 1733 1725 1456 1945 3277 1725 1684 1807 * CSAA General Insurance Co. 2577 3146 2583 3575 5208 3478 3949 3306 * Cumberland Insurance Co. Inc. 2280 2280 2280 2888 3185 2807 2807 2807 * Indicates * Dairyland Insurance Co. 5002 5002 4722 7436 7978 5946 7282 6154 those companies Donegal Mutual Insurance Co. 2839 2839 2189 4585 4710 2839 3431 3431 that consider Elephant Insurance Co. 2942 2942 2927 4534 5130 4220 4588 3992 credit scores Encompass Home/Auto Insurance Co. 2319 2319 2153 4190 5381 3753 3909 3407 in determining Erie Insurance Co. 2376 2376 2281 3749 4275 2683 3174 2683 premiums. Erie Insurance Exchange 1428 1428 1361 2210 2537 1602 1890 1602 Refer to * Esurance Property and Casualty Ins. Co. 3620 3620 3352 4620 5094 3948 4446 3696 "Notes to * Foremost Insurance Co. 3726 3726 3405 4836 5315 4055 4601 3769 Rate Tables" * Garrison Property & Casualty Ins. Co. 2181 2013 2013 2981 3106 2248 2558 2072 * GEICO Casualty Co. 1112 1112 1054 1384 1684 1249 1487 1145 * Hartford Casualty Insurance Co. 4065 3038 3871 6428 6248 4037 5112 4161 n/a = Carriers * Horace Mann Insurance Co. 966 966 940 1227 1472 1162 1310 1152 that do not have * Horace Mann Property & Casualty Ins. Co. 1459 1459 1623 2028 3041 1771 2488 1932 rates IDS Property Casualty Ins. Co. 1870 1904 1930 2702 2988 1938 2368 1790 available based * LM General Insurance Co. 2468 2425 2558 3204 3732 3144 3345 2859 on the criteria * LM Insurance Corp. 2741 2682 2816 3542 4153 3478 3699 3149 in the Maryland Auto Insurance Fund 2086 2086 2086 1878 2277 2088 2145 2084 scenario, such Metropolitan Casualty Insurance Co. 2009 2516 2009 3933 4497 3081 3567 3081 as an at-fault Metropolitan Direct Property and Casualty 1752 1752 1752 2294 3014 2318 2498 2215 13

Scenario 2: Young Single Female, Age 23 21502 21550 21740 20904 20744 20678 20603 20650 Prince Allegany Garrett Washington Montgomery George's Calvert Charles Saint Mary's Western Metropolitan Group Property and Casualty 2022 2220 2022 2814 3596 2880 2850 2880 Maryland, Mid-Century Insurance Co. 2463 2463 2247 3187 3567 2666 3065 2497 Washington D.C. Mutual Benefit Insurance Co. 2505 2717 2505 3031 3527 2579 3230 2018 Suburbs, and National General Assurance Co. 3288 3288 3240 3810 4360 3423 3967 3610 Southern * Nationwide Affinity Ins. Co. of America 1493 1449 1339 2061 2346 1667 1897 1628 Maryland * Occidental Fire & Casualty Co. of N.C. 2651 2651 2369 2512 3195 2651 2651 2651 * Old Dominion Insurance Co. 3932 3932 3638 5950 6828 4450 5332 4592 Rates Paramount Insurance Co. 3935 3935 3935 3776 4619 4417 4530 4417 Effective * Peninsula Insurance Co. 2515 2109 2211 3119 4273 2807 3317 2591 as of * Penn National Insurance Co. 2475 2554 2615 3567 4377 3184 3479 3224 2/1/2016 Pharmacists Mutual Insurance Co. 1636 1636 1636 1972 2152 2018 2018 2018 Privilege Underwriters Reciprocal Exch. 2268 2268 1021 1634 2467 2355 2355 2355 * Progressive Select Insurance Co. 2186 2328 2084 2824 3000 2522 2641 2229 * Indicates * Progressive Specialty Insurance Co. 2375 2462 2411 3484 3562 2829 3273 2677 those companies * Response Insurance Co. 4205 3743 3810 4418 4880 4260 4737 4079 that consider * Selective Ins. Co. of South Carolina 2396 2467 2372 3689 4464 3197 3462 2946 credit scores * State Automobile Mutual Insurance Co. 3317 3231 3366 5479 5469 4258 4575 3688 in determining * State Farm Fire & Casualty Co. 2669 2724 2840 3355 3566 3094 3829 2863 premiums. * State Farm Mutual Automobile Ins. Co. 1553 1585 1653 1950 2073 1802 2227 1666 Refer to * Teachers Insurance Co. 1665 1665 1919 2540 3487 2006 2836 2197 "Notes to * Titan Indemnity Company 2854 2840 2918 4036 4221 3263 3762 3101 Rate Tables" Travelers Property Casualty Insurance Co. 2194 2616 2366 3940 4460 2662 3580 2786 United Farm Family Insurance Co. 1695 1695 1695 2487 2834 2211 2211 2211 * United Services Automobile Association 1115 1115 1195 1628 1696 1254 1433 1149 n/a = Carriers * Unitrin Auto & Home Insurance Co. 1869 1945 1798 2803 4170 2660 2754 2763 that do not have * USAA General Indemnity Co. 1755 1755 1755 2154 2421 1792 2107 1733 rates * USAA Property and Casualty Insurance Co. 1279 1307 1173 1630 1866 1258 1530 1210 available based * Victoria Fire & Casualty Company 2886 2872 2950 4082 4270 3300 3804 3136 on the criteria in the scenario, such as an at-fault 14

Scenario 3: Young Single Male, Age 30 21502 21550 21740 20904 20744 20678 20603 20650 Prince Allegany Garrett Washington Montgomery George's Calvert Charles Saint Mary's Western 21st Century Centennial Insurance Co. 1840 1840 1770 2569 2928 1993 2261 2079 Maryland, * Agency Insurance Co. of MD, Inc. 1351 1351 1238 1710 1922 1485 1710 1377 Washington D.C. * AIG Property Casualty Co. 1571 1571 826 1213 2069 1635 1635 1635 Suburbs, and Allstate Indemnity Co. 961 961 955 1339 1434 1278 1322 1279 Southern * Amco Insurance Co. 716 709 697 1076 1329 978 992 920 Maryland * American States Preferred Insurance Co. 1377 1359 1406 1889 2421 1578 1717 1602 * Amica Mutual Insurance Co. 851 851 851 918 1081 997 997 997 Rates Atlantic States Insurance Co. 1285 1285 1001 2067 2133 1317 1575 1575 Effective Bankers Standard Insurance Co. 2328 2328 1080 1608 1910 1958 2438 2446 as of Brethren Mutual Insurance Co. 962 962 962 1260 1432 1164 1164 1164 2/1/2016 * Chubb National Insurance Co. 1319 1319 1470 2079 2193 1686 2015 1599 Cincinnati Insurance Co. 854 926 792 1028 1760 904 876 953 * CSAA General Insurance Co. 946 1151 973 1303 1904 1302 1410 1215 * Indicates * Cumberland Insurance Co. Inc. 734 734 734 1098 1198 899 899 899 those companies * Dairyland Insurance Co. 3726 3726 3526 5652 5984 4516 5510 4710 that consider Elephant Insurance Co. 1494 1494 1483 2250 2576 2120 2304 2020 credit scores Encompass Home/Auto Insurance Co. 831 831 774 1324 1709 1208 1279 1140 in determining Erie Insurance Co. 1375 1375 1338 2243 2605 1596 1899 1596 premiums. Erie Insurance Exchange 879 879 841 1403 1635 1005 1197 1005 Refer to * Esurance Property and Casualty Ins. Co. 2066 2066 1898 2534 2846 2216 2502 2090 "Notes to * Foremost Insurance Co. 1752 1752 1598 2284 2503 1900 2162 1766 Rate Tables" * Garrison Property & Casualty Ins. Co. 1328 1228 1228 1854 1892 1359 1553 1248 * GEICO Casualty Co. 778 778 740 951 1183 873 1034 796 * Hartford Casualty Insurance Co. 2784 2167 2671 4704 4464 2844 3396 2969 n/a = Carriers * Horace Mann Insurance Co. 723 723 704 945 1117 890 983 889 that do not have * Horace Mann Property & Casualty Ins. Co. 1063 1063 1174 1522 2250 1333 1822 1462 rates IDS Property Casualty Ins. Co. 900 926 918 1292 1446 930 1134 858 available based * LM General Insurance Co. 1010 1001 1025 1216 1405 1203 1261 1174 on the criteria * LM Insurance Corp. 1122 1106 1129 1344 1564 1331 1393 1293 in the Maryland Auto Insurance Fund 2547 2547 2547 2260 2808 2548 2644 2543 scenario, such Metropolitan Casualty Insurance Co. 1225 1557 1225 2420 2846 1948 2227 1948 as an at-fault Metropolitan Direct Property and Casualty 1237 1237 1237 1600 2121 1613 1738 1587 15

Scenario 3: Young Single Male, Age 30 21502 21550 21740 20904 20744 20678 20603 20650 Prince Allegany Garrett Washington Montgomery George's Calvert Charles Saint Mary's Western Metropolitan Group Property and Casualty 1316 1460 1316 1804 2350 1844 1856 1844 Maryland, Mid-Century Insurance Co. 1250 1250 1163 1684 1894 1381 1605 1299 Washington D.C. Mutual Benefit Insurance Co. 1117 1190 1139 1366 1595 1246 1441 893 Suburbs, and National General Assurance Co. 2725 2725 2681 3102 3628 2825 3281 2954 Southern * Nationwide Affinity Ins. Co. of America 888 868 792 1144 1340 964 1084 941 Maryland * Occidental Fire & Casualty Co. of N.C. n/a n/a n/a n/a n/a n/a n/a n/a * Old Dominion Insurance Co. 968 968 888 1428 1690 1084 1304 1130 Rates Paramount Insurance Co. n/a n/a n/a n/a n/a n/a n/a n/a Effective * Peninsula Insurance Co. 621 533 561 823 1085 683 801 643 as of * Penn National Insurance Co. 1417 1460 1485 2054 2528 1814 1979 1836 2/1/2016 Pharmacists Mutual Insurance Co. 945 945 945 1327 1426 1169 1169 1169 Privilege Underwriters Reciprocal Exch. 1030 1030 465 743 1118 1066 1066 1066 * Progressive Select Insurance Co. 1387 1544 1308 1711 1888 1605 1660 1438 * Indicates * Progressive Specialty Insurance Co. 1465 1559 1454 2073 2182 1743 1991 1655 those companies * Response Insurance Co. 2952 2677 2707 3151 3556 3036 3367 2928 that consider * Selective Ins. Co. of South Carolina 978 1013 946 1432 1738 1259 1354 1173 credit scores * State Automobile Mutual Insurance Co. 910 930 913 1436 1470 1163 1233 1028 in determining * State Farm Fire & Casualty Co. 1321 1349 1398 1824 1937 1536 1917 1430 premiums. * State Farm Mutual Automobile Ins. Co. 871 891 920 1194 1271 1014 1261 946 Refer to * Teachers Insurance Co. 1205 1205 1383 1903 2587 1498 2069 1648 "Notes to * Titan Indemnity Company 1692 1688 1704 2321 2468 1920 2183 1830 Rate Tables" Travelers Property Casualty Insurance Co. 1135 1368 1234 2064 2323 1408 1895 1467 United Farm Family Insurance Co. 1047 1047 1047 1548 1745 1359 1359 1359 * United Services Automobile Association 821 821 876 1211 1243 915 1048 838 n/a = Carriers * Unitrin Auto & Home Insurance Co. 1102 1140 1063 1630 2429 1529 1576 1575 that do not have * USAA General Indemnity Co. 830 830 830 1020 1158 843 996 815 rates * USAA Property and Casualty Insurance Co. 938 961 862 1209 1362 916 1118 882 available based * Victoria Fire & Casualty Company 1712 1709 1724 2350 2501 1944 2209 1853 on the criteria in the scenario, such as an at-fault 16

Scenario 4: Young Single Female, Age 30 21502 21550 21740 20904 20744 20678 20603 20650 Prince Allegany Garrett Washington Montgomery George's Calvert Charles Saint Mary's Western 21st Century Centennial Insurance Co. 1146 1146 1127 1637 1810 1266 1434 1287 Maryland, * Agency Insurance Co. of MD, Inc. 1065 1065 977 1383 1518 1167 1345 1079 Washington D.C. * AIG Property Casualty Co. 1457 1457 745 1096 1965 1489 1489 1489 Suburbs, and Allstate Indemnity Co. 920 920 914 1288 1379 1207 1248 1205 Southern * Amco Insurance Co. 713 707 693 1070 1330 977 991 921 Maryland * American States Preferred Insurance Co. 886 873 904 1207 1511 1008 1092 1021 * Amica Mutual Insurance Co. 839 839 839 888 1067 985 985 985 Rates Atlantic States Insurance Co. 836 836 662 1306 1354 855 1017 1017 Effective Bankers Standard Insurance Co. 1804 1804 841 1231 1459 1493 1878 1871 as of Brethren Mutual Insurance Co. 1068 1068 1068 1380 1584 1290 1290 1290 2/1/2016 * Chubb National Insurance Co. 965 965 1056 1469 1577 1209 1432 1151 Cincinnati Insurance Co. 748 812 696 895 1539 784 760 828 * CSAA General Insurance Co. 582 701 586 807 1163 784 875 740 * Indicates * Cumberland Insurance Co. Inc. 577 577 577 853 935 701 701 701 those companies * Dairyland Insurance Co. 2946 2946 2792 4522 4758 3592 4374 3740 that consider Elephant Insurance Co. 1149 1149 1142 1744 1985 1635 1777 1554 credit scores Encompass Home/Auto Insurance Co. 637 637 601 1019 1281 928 969 862 in determining * Erie Insurance Co. 899 899 867 1455 1716 1029 1235 1029 premiums. * Erie Insurance Exchange 679 679 653 1097 1294 775 933 775 Refer to * Esurance Property and Casualty Ins. Co. 1256 1256 1164 1550 1690 1332 1490 1262 "Notes to * Foremost Insurance Co. 1446 1446 1303 1806 2034 1540 1761 1445 Rate Tables" * Garrison Property & Casualty Ins. Co. 968 897 897 1319 1360 985 1123 908 * GEICO Casualty Co. 650 650 615 782 983 720 854 657 * Hartford Casualty Insurance Co. 1867 1476 1798 3001 2851 1880 2290 1941 n/a = Carriers * Horace Mann Insurance Co. 602 602 588 773 918 737 814 738 that do not have * Horace Mann Property & Casualty Ins. Co. 878 878 971 1235 1832 1097 1494 1203 rates IDS Property Casualty Ins. Co. 772 800 792 1104 1242 802 972 738 available based * LM General Insurance Co. 964 958 980 1163 1334 1150 1205 1115 on the criteria * LM Insurance Corp. 1071 1059 1078 1287 1485 1273 1334 1228 in the Maryland Auto Insurance Fund 2934 2934 2934 2654 3231 2938 3033 2933 scenario, such Metropolitan Casualty Insurance Co. 807 1010 807 1554 1785 1237 1444 1237 as an at-fault Metropolitan Direct Property and Casualty 813 813 813 1045 1388 1063 1143 1022 17

Scenario 4: Young Single Female, Age 30 21502 21550 21740 20904 20744 20678 20603 20650 Prince Allegany Garrett Washington Montgomery George's Calvert Charles Saint Mary's Western Metropolitan Group Property and Casualty 906 1002 906 1246 1604 1280 1270 1280 Maryland, * Mid-Century Insurance Co. 1018 1018 941 1356 1495 1115 1277 1042 Washington D.C. Mutual Benefit Insurance Co. 1142 1232 1152 1388 1617 1269 1481 916 Suburbs, and National General Assurance Co. 1024 1024 1008 1191 1408 1080 1249 1124 Southern * Nationwide Affinity Ins. Co. of America 827 807 742 1078 1242 898 1009 876 Maryland * Occidental Fire & Casualty Co. of N.C. n/a n/a n/a n/a n/a n/a n/a n/a * Old Dominion Insurance Co. 670 670 616 990 1178 748 902 778 Rates Paramount Insurance Co. n/a n/a n/a n/a n/a n/a n/a n/a Effective * Peninsula Insurance Co. 461 401 419 625 795 509 583 481 as of * Penn National Insurance Co. 679 700 712 989 1209 852 925 861 2/1/2016 Pharmacists Mutual Insurance Co. 558 554 558 777 837 684 684 684 Privilege Underwriters Reciprocal Exch. 975 975 430 698 1057 1006 1006 1006 * Progressive Select Insurance Co. 1105 1206 1037 1399 1525 1252 1325 1124 * Indicates * Progressive Specialty Insurance Co. 1153 1217 1147 1672 1713 1357 1554 1281 those companies * Response Insurance Co. 1740 1554 1579 1878 2122 1800 2013 1725 that consider * Selective Ins. Co. of South Carolina 745 771 722 1085 1317 956 1028 890 credit scores * State Automobile Mutual Insurance Co. 572 582 572 897 894 718 760 640 in determining * State Farm Fire & Casualty Co. 1083 1103 1149 1509 1597 1254 1575 1167 premiums. * State Farm Mutual Automobile Ins. Co. 711 725 753 984 1044 825 1032 768 Refer to * Teachers Insurance Co. 996 996 1143 1546 2110 1237 1702 1360 "Notes to * Titan Indemnity Company 1446 1439 1464 1993 2071 1635 1853 1559 Rate Tables" Travelers Property Casualty Insurance Co. 733 870 788 1270 1431 886 1180 920 United Farm Family Insurance Co. 1161 1161 1161 1699 1936 1508 1508 1508 * United Services Automobile Association 577 577 613 820 855 637 726 588 n/a = Carriers * Unitrin Auto & Home Insurance Co. 648 669 624 954 1423 897 924 925 that do not have * USAA General Indemnity Co. 526 526 526 630 709 530 616 512 rates * USAA Property and Casualty Insurance Co. 638 653 589 801 914 622 750 601 available based * Victoria Fire & Casualty Company 1462 1455 1480 2015 2095 1653 1873 1576 on the criteria in the scenario, such as an at-fault 18

Scenario 5: Single Male, Age 50 21502 21550 21740 20904 20744 20678 20603 20650 Prince Allegany Garrett Washington Montgomery George's Calvert Charles Saint Mary's Western 21st Century Centennial Insurance Co. 1661 1661 1603 2387 2706 1845 2057 1878 Maryland, * Agency Insurance Co. of MD, Inc. 1498 1498 1379 1910 2187 1660 1930 1548 Washington D.C. * AIG Property Casualty Co. 1670 1670 894 1304 2230 1732 1732 1732 Suburbs, and Allstate Indemnity Co. 1303 1303 1293 1862 2031 1814 1872 1815 Southern * Amco Insurance Co. 1053 1044 1027 1516 1819 1388 1407 1319 Maryland * American States Preferred Insurance Co. 947 941 976 1320 1668 1109 1195 1125 * Amica Mutual Insurance Co. 1261 1261 1261 1312 1613 1484 1484 1484 Rates Bankers Standard Insurance Co. 1965 1965 914 1360 1637 1647 2054 2054 Effective Brethren Mutual Insurance Co. 1530 1530 1530 1984 2276 1858 1858 1858 as of * Chubb National Insurance Co. 1403 1403 1522 2110 2282 1743 2045 1662 2/1/2016 Cincinnati Insurance Co. 1004 1084 933 1207 2045 1062 1027 1117 * CSAA General Insurance Co. 623 750 639 853 1245 865 940 806 * Cumberland Insurance Co. Inc. 722 722 722 1155 1273 882 882 882 * Indicates * Dairyland Insurance Co. 3856 3856 3672 6154 6392 4862 5914 5122 those companies Donegal Mutual Insurance Co. 1308 1308 1033 2054 2142 1375 1621 1621 that consider Elephant Insurance Co. 1514 1514 1502 2293 2633 2158 2350 2054 credit scores Encompass Home/Auto Insurance Co. 1134 1134 1094 1652 2037 1522 1592 1452 in determining * Erie Insurance Co. 1481 1481 1450 2454 2853 1741 2075 1741 premiums. * Erie Insurance Exchange 894 894 876 1476 1729 1053 1250 1053 Refer to * Esurance Property and Casualty Ins. Co. 1516 1516 1410 1924 2134 1652 1864 1560 "Notes to * Foremost Insurance Co. 1949 1949 1785 2457 2816 2137 2447 2003 Rate Tables" * Garrison Property & Casualty Ins. Co. 1536 1476 1428 2156 2113 1537 1852 1407 * GEICO Casualty Co. 929 929 874 1104 1405 1038 1238 942 * Hartford Casualty Insurance Co. 1657 1321 1605 2985 2868 1750 1995 1551 n/a = Carriers * Horace Mann Insurance Co. 1130 1130 1104 1455 1710 1378 1517 1374 that do not have * Horace Mann Property & Casualty Ins. Co. 1640 1640 1810 2318 3399 2038 2770 2227 rates IDS Property Casualty Ins. Co. 924 938 940 1394 1538 962 1186 886 available based * LM General Insurance Co. 1294 1279 1329 1612 1851 1587 1670 1462 on the criteria * LM Insurance Corp. 1438 1414 1462 1784 2062 1755 1846 1612 in the Maryland Auto Insurance Fund 6244 6244 6244 5677 6902 6247 6441 6237 scenario, such Metropolitan Casualty Insurance Co. 1013 1296 1013 2013 2384 1618 1837 1618 as an at-fault Metropolitan Direct Property and Casualty 1008 1008 1008 1317 1731 1307 1409 1296 19

Scenario 5: Single Male, Age 50 21502 21550 21740 20904 20744 20678 20603 20650 Prince Allegany Garrett Washington Montgomery George's Calvert Charles Saint Mary's Western Metropolitan Group Property and Casualty 1193 1326 1193 1627 2162 1656 1720 1656 Maryland, * Mid-Century Insurance Co. 1156 1156 1093 1603 1721 1323 1489 1213 Washington D.C. Mutual Benefit Insurance Co. 1373 1467 1405 1690 1955 1532 1776 1100 Suburbs, and National General Assurance Co. 1605 1605 1580 1909 2211 1708 1974 1801 Southern * Nationwide Affinity Ins. Co. of America 1414 1389 1294 1835 2085 1550 1732 1536 Maryland * Occidental Fire & Casualty Co. of N.C. n/a n/a n/a n/a n/a n/a n/a n/a * Old Dominion Insurance Co. 628 644 610 962 1148 704 858 768 Rates Paramount Insurance Co. n/a n/a n/a n/a n/a n/a n/a n/a Effective * Peninsula Insurance Co. 674 592 618 930 1156 734 826 694 as of * Penn National Insurance Co. 879 899 912 1310 1606 1115 1222 1143 2/1/2016 Pharmacists Mutual Insurance Co. 824 824 824 1179 1277 1025 1025 1025 Privilege Underwriters Reciprocal Exch. 1042 1042 471 750 1143 1077 1077 1077 * Progressive Select Insurance Co. 1489 1695 1403 1862 2098 1754 1809 1572 * Indicates * Progressive Specialty Insurance Co. 1430 1550 1400 1991 2143 1704 1932 1624 those companies * Response Insurance Co. 2497 2230 2265 2712 3065 2613 2913 2506 that consider * Selective Ins. Co. of South Carolina 880 914 842 1236 1495 1095 1173 1029 credit scores * State Automobile Mutual Insurance Co. 918 939 919 1441 1456 1165 1222 1049 in determining * State Farm Fire & Casualty Co. 1485 1518 1562 2051 2183 1731 2171 1622 premiums. * State Farm Mutual Automobile Ins. Co. 976 1000 1024 1337 1427 1142 1424 1071 Refer to * Teachers Insurance Co. 1852 1852 2125 2880 3900 2285 3144 2503 "Notes to * Titan Indemnity Company 1853 1870 1900 2638 2747 2131 2475 2047 Rate Tables" Travelers Property Casualty Insurance Co. 1067 1331 1108 1775 2076 1309 1716 1402 United Farm Family Insurance Co. 1322 1322 1322 1941 2180 1698 1698 1698 * United Services Automobile Association 937 972 995 1354 1344 1012 1225 931 n/a = Carriers * Unitrin Auto & Home Insurance Co. 1180 1226 1146 1749 2607 1648 1700 1695 that do not have * USAA General Indemnity Co. 787 814 787 961 1051 784 966 762 rates * USAA Property and Casualty Insurance Co. 982 1041 911 1259 1355 941 1206 905 available based * Victoria Fire & Casualty Company 1873 1890 1920 2668 2778 2154 2502 2070 on the criteria in the scenario, such as an at-fault 20

Scenario 6: Senior Citizen - Single Male, Age 65 21502 21550 21740 20904 20744 20678 20603 20650 Prince Allegany Garrett Washington Montgomery George's Calvert Charles Saint Mary's Western 21st Century Centennial Insurance Co. 1048 1048 1037 1544 1654 1177 1293 1168 Maryland, * Agency Insurance Co. of MD, Inc. 926 926 857 1208 1304 1024 1164 941 Washington D.C. * AIG Property Casualty Co. 1087 1087 585 838 1381 1144 1144 1144 Suburbs, and Allstate Indemnity Co. 971 971 964 1374 1413 1267 1317 1269 Southern * Amco Insurance Co. 759 748 739 1187 1444 1059 1070 990 Maryland * American States Preferred Insurance Co. 919 897 945 1253 1560 1049 1133 1065 * Amica Mutual Insurance Co. 709 709 709 777 901 829 829 829 Rates Atlantic States Insurance Co. 498 498 399 778 802 519 606 606 Effective Bankers Standard Insurance Co. 1118 1118 514 788 951 955 1174 1191 as of Brethren Mutual Insurance Co. 590 590 590 794 898 730 730 730 2/1/2016 * Chubb National Insurance Co. 767 776 849 1190 1271 973 1143 924 Cincinnati Insurance Co. 529 571 490 651 1082 573 557 595 * CSAA General Insurance Co. 614 752 610 858 1250 820 934 784 * Indicates * Cumberland Insurance Co. Inc. 352 352 352 545 590 426 426 426 those companies * Dairyland Insurance Co. 2158 2158 2048 3332 3442 2654 3204 2766 that consider Elephant Insurance Co. 1431 1431 1424 2208 2478 2049 2223 1936 credit scores Encompass Home/Auto Insurance Co. 548 548 530 904 1087 816 830 740 in determining * Erie Insurance Co. 800 800 763 1258 1478 903 1079 903 premiums. * Erie Insurance Exchange 528 528 504 832 984 595 712 595 Refer to * Esurance Property and Casualty Ins. Co. 1124 1124 1046 1380 1500 1200 1328 1136 "Notes to * Foremost Insurance Co. 1561 1561 1449 2092 2234 1738 1943 1596 Rate Tables" * Garrison Property & Casualty Ins. Co. 783 730 730 1105 1099 796 908 726 * GEICO Casualty Co. 525 525 508 643 790 590 689 541 * Hartford Casualty Insurance Co. 941 733 913 1564 1541 967 1153 998 n/a = Carriers * Horace Mann Insurance Co. 514 514 501 649 766 620 684 618 that do not have * Horace Mann Property & Casualty Ins. Co. 741 741 815 1025 1514 918 1247 1001 rates IDS Property Casualty Ins. Co. 580 586 590 886 966 604 750 558 available based * LM General Insurance Co. 1116 1104 1142 1364 1569 1345 1413 1243 on the criteria * LM Insurance Corp. 1240 1223 1256 1509 1745 1486 1563 1369 in the Maryland Auto Insurance Fund 2159 2159 2159 1882 2343 2160 2258 2155 scenario, such Metropolitan Casualty Insurance Co. 605 750 605 1153 1299 908 1073 908 as an at-fault Metropolitan Direct Property and Casualty 629 629 629 817 1069 827 893 778 21

Scenario 6: Senior Citizen - Single Male, Age 65 21502 21550 21740 20904 20744 20678 20603 20650 Prince Allegany Garrett Washington Montgomery George's Calvert Charles Saint Mary's Western Metropolitan Group Property and Casualty 734 812 734 1006 1278 1028 1022 1028 Maryland, * Mid-Century Insurance Co. 934 934 881 1275 1377 1058 1190 976 Washington D.C. Mutual Benefit Insurance Co. 701 737 753 892 1020 801 914 561 Suburbs, and National General Assurance Co. 883 883 874 1086 1222 953 1086 1009 Southern * Nationwide Affinity Ins. Co. of America 866 842 781 1165 1306 945 1071 931 Maryland * Occidental Fire & Casualty Co. of N.C. n/a n/a n/a n/a n/a n/a n/a n/a * Old Dominion Insurance Co. 552 552 512 854 978 632 760 650 Rates Paramount Insurance Co. n/a n/a n/a n/a n/a n/a n/a n/a Effective * Peninsula Insurance Co. 361 315 329 497 625 391 447 365 as of * Penn National Insurance Co. 662 678 688 984 1198 840 922 859 2/1/2016 Pharmacists Mutual Insurance Co. 389 389 389 556 593 477 477 477 Privilege Underwriters Reciprocal Exch. 585 585 271 426 629 614 614 614 * Progressive Select Insurance Co. 886 946 844 1120 1195 1005 1056 901 * Indicates * Progressive Specialty Insurance Co. 1022 1062 1033 1491 1519 1206 1388 1139 those companies * Response Insurance Co. 2366 2073 2120 2510 2761 2428 2706 2308 that consider * Selective Ins. Co. of South Carolina 492 501 496 742 895 648 699 598 credit scores * State Automobile Mutual Insurance Co. 580 563 587 952 908 727 765 643 in determining * State Farm Fire & Casualty Co. 944 956 1009 1335 1409 1095 1379 1015 premiums. * State Farm Mutual Automobile Ins. Co. 617 626 658 868 917 717 899 665 Refer to * Teachers Insurance Co. 835 835 953 1286 1734 1029 1412 1127 "Notes to * Titan Indemnity Company 1357 1347 1389 1884 1913 1525 1722 1458 Rate Tables" Travelers Property Casualty Insurance Co. 758 871 849 1420 1540 936 1268 957 United Farm Family Insurance Co. 729 729 729 1085 1201 929 929 929 * United Services Automobile Association 490 490 520 714 720 538 610 492 n/a = Carriers * Unitrin Auto & Home Insurance Co. 783 812 754 1155 1713 1088 1127 1125 that do not have * USAA General Indemnity Co. 424 424 424 518 571 425 498 414 rates * USAA Property and Casualty Insurance Co. 514 525 478 665 731 500 604 480 available based * Victoria Fire & Casualty Company 1372 1361 1404 1905 1936 1542 1741 1474 on the criteria in the scenario, such as an at-fault 22

Scenario 7: Senior Citizen - Single Female, Age 65 21502 21550 21740 20904 20744 20678 20603 20650 Prince Allegany Garrett Washington Montgomery George's Calvert Charles Saint Mary's Western 21st Century Centennial Insurance Co. 1162 1162 1155 1798 1874 1324 1443 1285 Maryland, * Agency Insurance Co. of MD, Inc. 1011 1011 952 1383 1465 1145 1302 1045 Washington D.C. * AIG Property Casualty Co. 1043 1043 561 800 1408 1065 1065 1065 Suburbs, and Allstate Indemnity Co. 976 976 970 1420 1464 1292 1330 1290 Southern * Amco Insurance Co. 779 769 757 1223 1495 1091 1104 1023 Maryland * American States Preferred Insurance Co. 859 838 890 1201 1472 1001 1072 1012 * Amica Mutual Insurance Co. 852 852 852 915 1080 995 995 995 Rates Bankers Standard Insurance Co. 1181 1181 545 825 992 998 1237 1248 Effective Brethren Mutual Insurance Co. 716 716 716 942 1070 866 866 866 as of * Chubb National Insurance Co. 857 857 944 1327 1412 1081 1276 1027 2/1/2016 Cincinnati Insurance Co. 567 613 528 695 1171 611 592 637 * CSAA General Insurance Co. 565 678 562 783 1129 758 858 718 * Cumberland Insurance Co. Inc. 531 531 531 804 877 649 649 649 * Indicates * Dairyland Insurance Co. 2542 2542 2412 3926 4138 3104 3784 3220 those companies Donegal Mutual Insurance Co. 730 730 577 1147 1190 756 892 892 that consider Elephant Insurance Co. 1240 1240 1235 1914 2141 1775 1923 1676 credit scores Encompass Home/Auto Insurance Co. 985 985 957 1751 2101 1556 1574 1380 in determining * Erie Insurance Co. 820 820 804 1366 1593 960 1146 960 premiums. * Erie Insurance Exchange 540 540 530 905 1062 631 758 631 Refer to * Esurance Property and Casualty Ins. Co. 1086 1086 1024 1378 1472 1174 1298 1104 "Notes to * Foremost Insurance Co. 2061 2061 1894 2707 2925 2257 2540 2086 Rate Tables" * Garrison Property & Casualty Ins. Co. 799 745 745 1136 1127 811 928 740 * GEICO Casualty Co. 564 564 548 701 871 644 757 585 * Hartford Casualty Insurance Co. 929 712 895 1548 1473 944 1126 951 n/a = Carriers * Horace Mann Insurance Co. 537 537 526 684 824 668 732 671 that do not have * Horace Mann Property & Casualty Ins. Co. 776 776 859 1081 1634 996 1345 1096 rates IDS Property Casualty Ins. Co. 636 648 650 978 1076 664 824 610 available based * LM General Insurance Co. 1140 1130 1167 1390 1583 1373 1439 1268 on the criteria * LM Insurance Corp. 1267 1251 1285 1537 1763 1519 1591 1397 in the Maryland Auto Insurance Fund 2417 2417 2417 2155 2690 2422 2512 2417 scenario, such Metropolitan Casualty Insurance Co. 749 934 749 1459 1638 1128 1308 1128 as an at-fault Metropolitan Direct Property and Casualty 633 633 633 843 1105 854 911 802 23

Scenario 7: Senior Citizen - Single Female, Age 65 21502 21550 21740 20904 20744 20678 20603 20650 Prince Allegany Garrett Washington Montgomery George's Calvert Charles Saint Mary's Western Metropolitan Group Property and Casualty 814 892 814 1128 1424 1154 1134 1154 Maryland, * Mid-Century Insurance Co. 1043 1043 980 1458 1552 1174 1330 1081 Washington D.C. Mutual Benefit Insurance Co. 963 1037 993 1191 1373 1081 1255 776 Suburbs, and National General Assurance Co. 762 762 755 943 1070 826 941 873 Southern * Nationwide Affinity Ins. Co. of America 865 842 778 1162 1306 943 1066 925 Maryland * Occidental Fire & Casualty Co. of N.C. n/a n/a n/a n/a n/a n/a n/a n/a * Old Dominion Insurance Co. 642 642 594 1006 1162 742 890 768 Rates Paramount Insurance Co. n/a n/a n/a n/a n/a n/a n/a n/a Effective * Peninsula Insurance Co. 447 389 407 613 777 483 555 455 as of * Penn National Insurance Co. 559 573 581 834 1008 704 765 713 2/1/2016 Pharmacists Mutual Insurance Co. 461 461 461 656 703 568 568 568 Privilege Underwriters Reciprocal Exch. 734 734 337 532 801 762 762 762 * Progressive Select Insurance Co. 986 1035 946 1293 1358 1113 1184 1001 * Indicates * Progressive Specialty Insurance Co. 1030 1061 1046 1552 1562 1225 1425 1158 those companies * Response Insurance Co. 2045 1802 1844 2221 2458 2133 2378 2034 that consider * Selective Ins. Co. of South Carolina 670 685 670 1019 1226 887 956 817 credit scores * State Automobile Mutual Insurance Co. 708 691 717 1166 1115 893 938 793 in determining * State Farm Fire & Casualty Co. 1085 1103 1158 1534 1620 1262 1587 1172 premiums. * State Farm Mutual Automobile Ins. Co. 711 724 758 999 1058 829 1039 771 Refer to * Teachers Insurance Co. 884 884 1011 1383 1890 1130 1536 1248 "Notes to * Titan Indemnity Company 1441 1424 1469 2003 2031 1618 1819 1542 Rate Tables" Travelers Property Casualty Insurance Co. 836 948 950 1602 1714 1038 1414 1052 United Farm Family Insurance Co. 806 806 806 1188 1333 1038 1038 1038 * United Services Automobile Association 504 504 534 741 742 551 627 503 n/a = Carriers * Unitrin Auto & Home Insurance Co. 754 781 736 1143 1659 1047 1079 1088 that do not have * USAA General Indemnity Co. 410 410 410 500 552 408 481 399 rates * USAA Property and Casualty Insurance Co. 534 546 496 695 762 517 627 497 available based * Victoria Fire & Casualty Company 1457 1441 1485 2027 2056 1637 1840 1560 on the criteria in the scenario, such as an at-fault 24

Scenario 8: Single Female, Age 50 21502 21550 21740 20904 20744 20678 20603 20650 Prince Allegany Garrett Washington Montgomery George's Calvert Charles Saint Mary's Western 21st Century Centennial Insurance Co. 1466 1466 1472 2199 2353 1654 1873 1650 Maryland, * Agency Insurance Co. of MD, Inc. 1044 1044 975 1414 1522 1172 1346 1073 Washington D.C. * AIG Property Casualty Co. 1712 1712 911 1347 2205 1810 1810 1810 Suburbs, and Allstate Indemnity Co. 1027 1027 1020 1450 1647 1381 1420 1370 Southern * Amco Insurance Co. 714 706 695 1094 1338 987 1000 930 Maryland * American States Preferred Insurance Co. 959 947 988 1326 1670 1111 1199 1127 * Amica Mutual Insurance Co. 882 882 882 950 1106 1027 1027 1027 Rates Bankers Standard Insurance Co. 1741 1741 806 1213 1455 1464 1818 1829 Effective Brethren Mutual Insurance Co. 868 868 868 1234 1452 1142 1142 1142 as of * Chubb National Insurance Co. 1112 1112 1211 1646 1740 1366 1598 1305 2/1/2016 Cincinnati Insurance Co. 745 806 694 912 1505 798 772 833 * CSAA General Insurance Co. 607 726 613 843 1213 824 916 776 * Cumberland Insurance Co. Inc. 747 747 747 1187 1283 905 905 905 * Indicates * Dairyland Insurance Co. n/a n/a n/a n/a n/a n/a n/a n/a those companies Donegal Mutual Insurance Co. 2149 2149 1661 3549 3686 2242 2676 2676 that consider Elephant Insurance Co. 1570 1570 1563 2424 2724 2250 2442 2125 credit scores Encompass Home/Auto Insurance Co. 1164 1164 1095 1915 2375 1740 1798 1590 in determining * Erie Insurance Co. 954 954 929 1573 1816 1106 1309 1106 premiums. * Erie Insurance Exchange 618 618 605 1022 1187 717 851 717 Refer to * Esurance Property and Casualty Ins. Co. 1080 1080 1010 1344 1452 1152 1280 1088 "Notes to * Foremost Insurance Co. 1739 1739 1593 2293 2500 1894 2154 1757 Rate Tables" * Garrison Property & Casualty Ins. Co. 1000 932 932 1462 1426 1015 1168 919 * GEICO Casualty Co. 677 677 661 838 1072 767 909 699 * Hartford Casualty Insurance Co. 1046 835 1013 1770 1679 1078 1260 1115 n/a = Carriers * Horace Mann Insurance Co. 626 626 610 802 957 767 844 769 that do not have * Horace Mann Property & Casualty Ins. Co. 905 905 994 1270 1897 1141 1545 1252 rates IDS Property Casualty Ins. Co. 730 742 746 1116 1230 760 942 700 available based * LM General Insurance Co. 1206 1194 1229 1475 1706 1459 1533 1345 on the criteria * LM Insurance Corp. 1340 1318 1353 1631 1899 1614 1695 1481 in the Maryland Auto Insurance Fund 2211 2211 2211 1947 2421 2216 2299 2211 scenario, such Metropolitan Casualty Insurance Co. 645 811 645 1281 1483 1008 1144 1008 as an at-fault Metropolitan Direct Property and Casualty 671 671 671 894 1184 908 957 869 25

Scenario 8: Single Female, Age 50 21502 21550 21740 20904 20744 20678 20603 20650 Prince Allegany Garrett Washington Montgomery George's Calvert Charles Saint Mary's Western Metropolitan Group Property and Casualty 744 828 744 1030 1328 1050 1048 1050 Maryland, * Mid-Century Insurance Co. 923 923 871 1325 1405 1045 1194 962 Washington D.C. Mutual Benefit Insurance Co. 911 956 982 1163 1327 1047 1191 723 Suburbs, and National General Assurance Co. 1007 1007 994 1218 1395 1079 1237 1137 Southern * Nationwide Affinity Ins. Co. of America 844 825 756 1118 1285 920 1041 905 Maryland * Occidental Fire & Casualty Co. of N.C. n/a n/a n/a n/a n/a n/a n/a n/a * Old Dominion Insurance Co. 680 696 662 1064 1230 774 942 832 Rates Paramount Insurance Co. n/a n/a n/a n/a n/a n/a n/a n/a Effective * Peninsula Insurance Co. 517 611 471 725 917 557 637 525 as of * Penn National Insurance Co. 762 781 793 1142 1370 948 1028 960 2/1/2016 Pharmacists Mutual Insurance Co. 659 659 659 984 1048 803 803 803 Privilege Underwriters Reciprocal Exch. 911 911 430 666 990 952 952 952 * Progressive Select Insurance Co. 929 991 890 1211 1292 1049 1116 952 * Indicates * Progressive Specialty Insurance Co. 946 985 953 1415 1435 1119 1293 1059 those companies * Response Insurance Co. 2004 1778 1810 2152 2399 2072 2310 1978 that consider * Selective Ins. Co. of South Carolina 780 798 781 1164 1396 1016 1094 942 credit scores * State Automobile Mutual Insurance Co. 674 661 680 1079 1023 831 872 741 in determining * State Farm Fire & Casualty Co. 1369 1384 1465 1965 2067 1590 2018 1476 premiums. * State Farm Mutual Automobile Ins. Co. 890 901 952 1270 1339 1036 1309 962 Refer to * Teachers Insurance Co. 1025 1025 1167 1607 2185 1285 1753 1415 "Notes to * Titan Indemnity Company 1593 1586 1635 2303 2311 1799 2058 1729 Rate Tables" Travelers Property Casualty Insurance Co. 752 886 826 1376 1520 936 1256 962 United Farm Family Insurance Co. 1048 1048 1048 1561 1737 1334 1334 1334 * United Services Automobile Association 565 565 600 853 841 619 708 562 n/a = Carriers * Unitrin Auto & Home Insurance Co. 836 867 817 1247 1811 1138 1170 1176 that do not have * USAA General Indemnity Co. 476 476 476 597 660 475 568 464 rates * USAA Property and Casualty Insurance Co. 571 583 531 761 819 553 674 528 available based * Victoria Fire & Casualty Company 1613 1607 1656 2333 2344 1822 2084 1752 on the criteria in the scenario, such as an at-fault 26

Scenario 9: Family Rate, No Youthful Drivers 21502 21550 21740 20904 20744 20678 20603 20650 Prince Allegany Garrett Washington Montgomery George's Calvert Charles Saint Mary's Western 21st Century Centennial Insurance Co. 1659 1659 1591 2475 2736 1850 2034 1859 Maryland, * Agency Insurance Co. of MD, Inc. 1598 1598 1477 2100 2318 1772 2050 1636 Washington D.C. * AIG Property Casualty Co. 2114 2114 1109 1628 2819 2187 2187 2187 Suburbs, and Allstate Indemnity Co. 1570 1570 1558 2295 2725 2217 2279 2194 Southern * Amco Insurance Co. 1256 1246 1223 1860 2272 1690 1713 1601 Maryland * American States Preferred Insurance Co. 1253 1242 1273 1699 2199 1427 1556 1451 * Amica Mutual Insurance Co. 1528 1528 1528 1604 1920 1788 1788 1788 Rates Bankers Standard Insurance Co. 3418 3418 1587 2360 2819 2856 3567 3568 Effective Brethren Mutual Insurance Co. 1694 1694 1694 2332 2758 2186 2186 2186 as of * Chubb National Insurance Co. 1784 1784 1921 2562 2759 2163 2509 2074 2/1/2016 Cincinnati Insurance Co. 1408 1525 1315 1697 2861 1494 1446 1564 * CSAA General Insurance Co. 934 1138 970 1287 1884 1302 1392 1210 * Cumberland Insurance Co. Inc. 1244 1244 1244 1976 2158 1516 1516 1516 * Indicates * Dairyland Insurance Co. n/a n/a n/a n/a n/a n/a n/a n/a those companies Donegal Mutual Insurance Co. 2910 2910 2276 4669 4889 3049 3637 3637 that consider Elephant Insurance Co. 2127 2127 2113 3247 3718 3044 3317 2891 credit scores Encompass Home/Auto Insurance Co. 1158 1158 1123 1647 1949 1529 1566 1435 in determining * Erie Insurance Co. 1641 1641 1601 2703 3181 1917 2292 1917 premiums. * Erie Insurance Exchange 1123 1123 1099 1851 2187 1309 1570 1309 Refer to * Esurance Property and Casualty Ins. Co. 1808 1808 1672 2318 2544 1948 2208 1828 "Notes to * Foremost Insurance Co. 1258 1258 1142 1576 1767 1358 1539 1269 Rate Tables" * Garrison Property & Casualty Ins. Co. 1834 1703 1703 2607 2591 1859 2131 1693 * GEICO Casualty Co. 1176 1176 1113 1417 1819 1319 1571 1193 * Hartford Casualty Insurance Co. 2021 1560 1959 3585 3445 2099 2485 2109 n/a = Carriers * Horace Mann Insurance Co. 1066 1066 1038 1374 1606 1293 1417 1292 that do not have * Horace Mann Property & Casualty Ins. Co. 1526 1526 1673 2161 3146 1893 2551 2067 rates IDS Property Casualty Ins. Co. 1226 1266 1246 1806 2028 1270 1558 1172 available based * LM General Insurance Co. 1407 1386 1443 1767 2056 1742 1842 1598 on the criteria * LM Insurance Corp. 1563 1533 1589 1955 2289 1929 2038 1759 in the Maryland Auto Insurance Fund 5228 5228 5228 4706 5788 5236 5404 5226 scenario, such Metropolitan Casualty Insurance Co. 1319 1662 1319 2557 2957 2064 2405 2064 as an at-fault Metropolitan Direct Property and Casualty 1368 1368 1368 1758 2327 1787 1925 1724 27

Scenario 9: Family Rate, No Youthful Drivers 21502 21550 21740 20904 20744 20678 20603 20650 Prince Allegany Garrett Washington Montgomery George's Calvert Charles Saint Mary's Western Metropolitan Group Property and Casualty 1490 1670 1490 2030 2630 2102 2092 2102 Maryland, * Mid-Century Insurance Co. 1506 1506 1421 2108 2256 1714 1941 1575 Washington D.C. Mutual Benefit Insurance Co. 1491 1587 1553 1858 2141 1682 1945 1193 Suburbs, and National General Assurance Co. 1617 1617 1591 1879 2215 1700 1972 1778 Southern * Nationwide Affinity Ins. Co. of America 1607 1573 1446 2082 2383 1743 1954 1717 Maryland * Occidental Fire & Casualty Co. of N.C. n/a n/a n/a n/a n/a n/a n/a n/a * Old Dominion Insurance Co. 740 756 722 1138 1354 840 1020 906 Rates Paramount Insurance Co. n/a n/a n/a n/a n/a n/a n/a n/a Effective * Peninsula Insurance Co. 864 756 786 1200 1508 934 1062 878 as of * Penn National Insurance Co. 1146 1174 1189 1709 2081 1433 1560 1461 2/1/2016 Pharmacists Mutual Insurance Co. 1127 1127 1127 1583 1708 1389 1389 1389 Privilege Underwriters Reciprocal Exch. 1718 1718 797 1248 1872 1780 1780 1780 * Progressive Select Insurance Co. 1497 1644 1414 1956 2141 1720 1830 1547 * Indicates * Progressive Specialty Insurance Co. 1704 1801 1696 2527 2602 2024 2331 1915 those companies * Response Insurance Co. 2739 2450 2484 2972 3368 2847 3186 2731 that consider * Selective Ins. Co. of South Carolina 1074 1109 1042 1504 1800 1338 1430 1258 credit scores * State Automobile Mutual Insurance Co. 1116 1120 1123 1773 1750 1407 1477 1254 in determining * State Farm Fire & Casualty Co. 2137 2174 2266 3028 3197 2481 3151 2319 premiums. * State Farm Mutual Automobile Ins. Co. 1393 1419 1475 1958 2073 1622 2047 1517 Refer to * Teachers Insurance Co. 1716 1716 1955 2676 3603 2112 2882 2315 "Notes to * Titan Indemnity Company 1521 1516 1549 2105 2178 1723 1950 1645 Rate Tables" Travelers Property Casualty Insurance Co. 1196 1423 1319 2202 2448 1486 2019 1543 United Farm Family Insurance Co. 1999 1999 1999 2925 3315 2573 2573 2573 * United Services Automobile Association 1141 1141 1213 1683 1695 1255 1432 1146 n/a = Carriers * Unitrin Auto & Home Insurance Co. 1091 1129 1076 1600 2363 1484 1529 1526 that do not have * USAA General Indemnity Co. 927 927 927 1130 1262 930 1092 902 rates * USAA Property and Casualty Insurance Co. 1204 1234 1114 1567 1725 1165 1418 1119 available based * Victoria Fire & Casualty Company 1539 1534 1567 2130 2206 1744 1973 1665 on the criteria in the scenario, such as an at-fault 28

Scenario 10: Family Rate, No Youthful Drivers 21502 21550 21740 20904 20744 20678 20603 20650 Prince Allegany Garrett Washington Montgomery George's Calvert Charles Saint Mary's Western 21st Century Centennial Insurance Co. 1685 1685 1612 2398 2737 1849 2068 1904 Maryland, * Agency Insurance Co. of MD, Inc. 1984 1984 1826 2573 2870 2199 2542 2033 Washington D.C. * AIG Property Casualty Co. 2047 2047 1095 1621 2678 2155 2155 2155 Suburbs, and Allstate Indemnity Co. 1290 1290 1280 1862 2205 1814 1854 1796 Southern * Amco Insurance Co. 1225 1214 1194 1799 2190 1639 1661 1550 Maryland * American States Preferred Insurance Co. 1224 1215 1253 1688 2172 1418 1540 1441 * Amica Mutual Insurance Co. 1351 1351 1351 1440 1695 1577 1577 1577 Rates Atlantic States Insurance Co. 1251 1251 1000 1945 2020 1297 1524 1524 Effective Bankers Standard Insurance Co. 2786 2786 1292 1941 2336 2344 2911 2922 as of Brethren Mutual Insurance Co. 1106 1106 1106 1562 1842 1458 1458 1458 2/1/2016 * Chubb National Insurance Co. 1833 1833 1984 2681 2860 2242 2605 2146 Cincinnati Insurance Co. 1265 1372 1188 1527 2559 1332 1287 1403 * CSAA General Insurance Co. 902 1091 923 1251 1812 1247 1364 1168 * Indicates * Cumberland Insurance Co. Inc. 1129 1129 1129 1822 1978 1373 1373 1373 those companies * Dairyland Insurance Co. n/a n/a n/a n/a n/a n/a n/a n/a that consider Elephant Insurance Co. 1785 1785 1773 2718 3113 2551 2778 2424 credit scores Encompass Home/Auto Insurance Co. 1225 1225 1185 1735 2078 1609 1661 1527 in determining * Erie Insurance Co. 1265 1265 1230 2059 2427 1469 1753 1469 premiums. * Erie Insurance Exchange 884 884 860 1443 1703 1028 1225 1028 Refer to * Esurance Property and Casualty Ins. Co. 1940 1940 1778 2424 2708 2076 2360 1964 "Notes to * Foremost Insurance Co. 2861 2861 2598 3635 4085 3088 3535 2891 Rate Tables" * Garrison Property & Casualty Ins. Co. 1944 1805 1805 2728 2756 1985 2271 1822 * GEICO Casualty Co. 1186 1186 1117 1426 1820 1330 1587 1203 * Hartford Casualty Insurance Co. 2301 1777 2228 3882 3798 2363 2864 2401 n/a = Carriers * Horace Mann Insurance Co. 1099 1099 1069 1425 1670 1340 1467 1340 that do not have * Horace Mann Property & Casualty Ins. Co. 1577 1577 1722 2239 3279 1974 2658 2157 rates IDS Property Casualty Ins. Co. 1266 1294 1290 1904 2116 1314 1624 1210 available based * LM General Insurance Co. 1547 1526 1591 1963 2285 1937 2049 1772 on the criteria * LM Insurance Corp. 1720 1686 1751 2171 2543 2142 2266 1952 in the Maryland Auto Insurance Fund 5258 5258 5258 4701 5777 5267 5455 5257 scenario, such Metropolitan Casualty Insurance Co. 1373 1718 1373 2652 3046 2108 2464 2108 as an at-fault Metropolitan Direct Property and Casualty 1405 1405 1405 1822 2405 1845 1985 1761 29

Scenario 10: Family Rate, No Youthful Drivers 21502 21550 21740 20904 20744 20678 20603 20650 Prince Allegany Garrett Washington Montgomery George's Calvert Charles Saint Mary's Western Metropolitan Group Property and Casualty 1634 1816 1634 2216 2882 2288 2290 2288 Maryland, * Mid-Century Insurance Co. 1690 1690 1577 2278 2497 1888 2148 1752 Washington D.C. Mutual Benefit Insurance Co. 1747 1837 1871 2209 2545 1999 2276 1396 Suburbs, and National General Assurance Co. 1506 1506 1480 1757 2099 1599 1858 1671 Southern * Nationwide Affinity Ins. Co. of America 1648 1616 1489 2143 2463 1795 2017 1769 Maryland * Occidental Fire & Casualty Co. of N.C. n/a n/a n/a n/a n/a n/a n/a n/a * Old Dominion Insurance Co. 758 774 736 1186 1406 868 1058 940 Rates Paramount Insurance Co. n/a n/a n/a n/a n/a n/a n/a n/a Effective * Peninsula Insurance Co. 798 700 726 1126 1412 856 984 812 as of * Penn National Insurance Co. 1275 1307 1325 1894 2301 1597 1736 1623 2/1/2016 Pharmacists Mutual Insurance Co. 1001 1001 1001 1436 1534 1236 1236 1236 Privilege Underwriters Reciprocal Exch. 1497 1497 707 1094 1628 1558 1558 1558 * Progressive Select Insurance Co. 1486 1639 1406 1915 2094 1728 1812 1544 * Indicates * Progressive Specialty Insurance Co. 1716 1814 1715 2497 2601 2051 2355 1947 those companies * Response Insurance Co. 3103 2771 2813 3359 3811 3225 3612 3093 that consider * Selective Ins. Co. of South Carolina 1312 1362 1256 1834 2206 1628 1742 1533 credit scores * State Automobile Mutual Insurance Co. 1031 1039 1035 1627 1603 1291 1357 1155 in determining * State Farm Fire & Casualty Co. 2032 2059 2165 2915 3070 2364 3009 2203 premiums. * State Farm Mutual Automobile Ins. Co. 1320 1340 1406 1881 1986 1541 1950 1437 Refer to * Teachers Insurance Co. 1772 1772 2013 2797 3756 2199 2995 2414 "Notes to * Titan Indemnity Company 1717 1718 1766 2416 2493 1952 2230 1872 Rate Tables" Travelers Property Casualty Insurance Co. 1260 1502 1389 2341 2600 1570 2132 1636 United Farm Family Insurance Co. 1976 1976 1976 2910 3271 2535 2535 2535 * United Services Automobile Association 984 984 1044 1417 1450 1086 1236 1002 n/a = Carriers * Unitrin Auto & Home Insurance Co. 1212 1256 1197 1820 2660 1664 1709 1718 that do not have * USAA General Indemnity Co. 1108 1108 1108 1364 1541 1126 1321 1084 rates * USAA Property and Casualty Insurance Co. 1030 1051 955 1318 1464 1009 1214 973 available based * Victoria Fire & Casualty Company 1738 1739 1787 2447 2526 1976 2257 1895 on the criteria in the scenario, such as an at-fault 30

Scenario 11: Family Rate, No Youthful Drivers 21502 21550 21740 20904 20744 20678 20603 20650 Prince Allegany Garrett Washington Montgomery George's Calvert Charles Saint Mary's Western 21st Century Centennial Insurance Co. 2584 2584 2474 3584 4117 2761 3169 2918 Maryland, * Agency Insurance Co. of MD, Inc. 2846 2846 2563 3478 3996 3066 3553 2861 Washington D.C. * AIG Property Casualty Co. 1894 1894 947 1422 2453 1974 1974 1974 Suburbs, and Allstate Indemnity Co. 1944 1944 1927 2760 2984 2733 2871 2750 Southern * Amco Insurance Co. 1749 1728 1695 2765 3442 2489 2527 2330 Maryland * American States Preferred Insurance Co. 2300 2271 2333 3181 4081 2613 2865 2662 * Amica Mutual Insurance Co. 1657 1657 1657 1766 2129 1946 1946 1946 Rates Bankers Standard Insurance Co. 3694 3694 1736 2494 2922 3033 3854 3800 Effective Brethren Mutual Insurance Co. 1828 1828 1828 2238 2630 2190 2190 2190 as of * Chubb National Insurance Co. 2161 2296 2521 3464 3686 2860 3413 2726 2/1/2016 Cincinnati Insurance Co. 1518 1663 1414 1806 3155 1582 1539 1693 * CSAA General Insurance Co. 2321 2859 2399 3195 4700 3211 3498 3003 * Cumberland Insurance Co. Inc. 1628 1628 1628 2500 2737 1992 1992 1992 * Indicates * Dairyland Insurance Co. 4762 4762 4488 7022 7698 5610 6950 5830 those companies Donegal Mutual Insurance Co. 3172 3172 2453 5115 5271 3206 3850 3850 that consider Elephant Insurance Co. 2457 2457 2437 3720 4282 3503 3818 3336 credit scores Encompass Home/Auto Insurance Co. 2355 2355 2221 3929 5034 3533 3709 3287 in determining Erie Insurance Co. 2398 2398 2312 3842 4476 2726 3264 2726 premiums. Erie Insurance Exchange 1351 1351 1291 2123 2494 1525 1828 1525 Refer to * Esurance Property and Casualty Ins. Co. 3974 3974 3628 4930 5610 4262 4870 4024 "Notes to * Foremost Insurance Co. 5187 5187 4674 6526 7297 5530 6320 5174 Rate Tables" * Garrison Property & Casualty Ins. Co. 2088 1933 1933 2850 2935 2135 2426 1966 * GEICO Casualty Co. 1448 1448 1337 1723 2154 1578 1895 1449 * Hartford Casualty Insurance Co. 4787 3693 4538 7879 7322 4801 5819 4952 n/a = Carriers * Horace Mann Insurance Co. 1192 1192 1162 1520 1804 1434 1607 1425 that do not have * Horace Mann Property & Casualty Ins. Co. 1779 1779 1980 2490 3688 2162 3013 2360 rates IDS Property Casualty Ins. Co. 1366 1426 1394 1904 2154 1412 1700 1304 available based * LM General Insurance Co. 1917 1900 1960 2436 2911 2447 2567 2202 on the criteria * LM Insurance Corp. 2130 2101 2158 2693 3239 2708 2839 2423 in the Maryland Auto Insurance Fund 4034 4034 4034 3642 4413 4042 4147 4034 scenario, such Metropolitan Casualty Insurance Co. 2062 2569 2062 3959 4538 3159 3697 3159 as an at-fault Metropolitan Direct Property and Casualty 1778 1778 1778 2270 3003 2312 2499 2221 31

Scenario 11: Family Rate, No Youthful Drivers 21502 21550 21740 20904 20744 20678 20603 20650 Prince Allegany Garrett Washington Montgomery George's Calvert Charles Saint Mary's Western Metropolitan Group Property and Casualty 2154 2382 2154 2942 3814 3030 3022 3030 Maryland, Mid-Century Insurance Co. 3348 3348 3114 4552 5013 3719 4279 3463 Washington D.C. Mutual Benefit Insurance Co. 1622 1753 1632 1970 2297 1794 2097 1306 Suburbs, and National General Assurance Co. 3601 3601 3531 3887 4676 3636 4282 3774 Southern * Nationwide Affinity Ins. Co. of America 2039 1987 1834 2690 3079 2232 2507 2171 Maryland * Occidental Fire & Casualty Co. of N.C. 3537 3537 3142 3329 4352 3537 3537 3537 * Old Dominion Insurance Co. 2148 2164 2014 3130 3716 2380 2870 2524 Rates Paramount Insurance Co. 4577 4577 4577 4449 5399 5119 5239 5119 Effective * Peninsula Insurance Co. 2496 2100 2206 3110 4156 2790 3230 2574 as of * Penn National Insurance Co. 2008 2071 2118 2892 3597 2583 2826 2624 2/1/2016 Pharmacists Mutual Insurance Co. 1400 1400 1400 1938 2066 1706 1706 1706 Privilege Underwriters Reciprocal Exch. 1860 1860 843 1343 2024 1933 1933 1933 * Progressive Select Insurance Co. 2359 2656 2191 2926 3269 2750 2857 2431 * Indicates * Progressive Specialty Insurance Co. 2570 2750 2530 3611 3798 3036 3461 2875 those companies * Response Insurance Co. 5237 4709 4768 5566 6298 5341 5965 5141 that consider * Selective Ins. Co. of South Carolina 1351 1389 1343 2078 2518 1800 1949 1661 credit scores * State Automobile Mutual Insurance Co. 2192 2494 2514 4076 4164 3254 3456 2836 in determining * State Farm Fire & Casualty Co. 2498 2553 2655 3433 3648 2903 3599 2692 premiums. * State Farm Mutual Automobile Ins. Co. 1654 1694 1755 2262 2408 1925 2382 1788 Refer to * Teachers Insurance Co. 2024 2024 2336 3089 4227 2442 3436 2669 "Notes to * Titan Indemnity Company 2026 2019 2016 2724 2972 2316 2636 2188 Rate Tables" Travelers Property Casualty Insurance Co. 2226 2712 2362 3904 4490 2702 3622 2852 United Farm Family Insurance Co. 1940 1940 1940 2813 3218 2514 2514 2514 * United Services Automobile Association 1603 1603 1713 2340 2414 1787 2039 1633 n/a = Carriers * Unitrin Auto & Home Insurance Co. 1900 1978 1824 2751 4202 2682 2775 2749 that do not have * USAA General Indemnity Co. 1628 1628 1628 1963 2196 1648 1922 1595 rates * USAA Property and Casualty Insurance Co. 1817 1861 1669 2316 2628 1770 2154 1703 available based * Victoria Fire & Casualty Company 2047 2041 2037 2755 3006 2341 2664 2211 on the criteria in the scenario, such as an at-fault 32

Scenario 12: Family Rate with Youthful Driver 21502 21550 21740 20904 20744 20678 20603 20650 Prince Allegany Garrett Washington Montgomery George's Calvert Charles Saint Mary's Western 21st Century Centennial Insurance Co. 6358 6358 6299 9222 10258 6989 8218 7278 Maryland, * Agency Insurance Co. of MD, Inc. 6749 6749 6137 8582 9522 7373 8477 6791 Washington D.C. * AIG Property Casualty Co. 7913 7913 3978 6125 10208 8367 8367 8367 Suburbs, and Allstate Indemnity Co. 6462 6462 6399 10253 10053 9135 9644 9193 Southern * Amco Insurance Co. 3505 3465 3388 5750 7380 5154 5235 4790 Maryland * American States Preferred Insurance Co. 8965 8717 9199 12537 16070 10312 11266 10491 * Amica Mutual Insurance Co. 8144 8144 8144 8543 10374 9603 9603 9603 Rates Bankers Standard Insurance Co. 13191 13191 6193 8870 10384 10833 13745 13580 Effective Brethren Mutual Insurance Co. 3062 3062 3062 3808 4454 3680 3680 3680 as of * Chubb National Insurance Co. 8135 8809 9937 14123 14675 11359 13791 10769 2/1/2016 Cincinnati Insurance Co. 3572 3690 3137 4080 7058 3602 3499 3795 * CSAA General Insurance Co. 4664 5684 4689 6473 9430 6315 7115 5987 * Cumberland Insurance Co. Inc. n/a n/a n/a n/a n/a n/a n/a * Indicates * Dairyland Insurance Co. 13520 13520 12840 20848 21494 16628 20028 17264 those companies Donegal Mutual Insurance Co. 11037 11037 8518 18021 25650 11362 13713 13713 that consider Elephant Insurance Co. 6447 6447 6403 9886 11317 9250 10087 8773 credit scores Encompass Home/Auto Insurance Co. 3786 3786 3523 6773 8583 6086 6310 5499 in determining * Erie Insurance Co. 6949 6949 6660 10990 12703 7875 9339 7875 premiums. * Erie Insurance Exchange 4206 4206 3998 6528 7588 4721 5600 4721 Refer to * Esurance Property and Casualty Ins. Co. 9640 9640 8778 12194 13520 10414 11786 9706 "Notes to * Foremost Insurance Co. 15957 15957 14506 20851 22510 17284 19549 15969 Rate Tables" * Garrison Property & Casualty Ins. Co. 4872 4503 4503 6889 6969 4951 5692 4507 * GEICO Casualty Co. 4257 4257 4055 5313 6587 4794 5656 4371 * Hartford Casualty Insurance Co. 7470 5510 7141 12577 12403 7576 9400 7843 n/a = Carriers * Horace Mann Insurance Co. 4195 4150 3982 5547 6661 5345 5703 5074 that do not have * Horace Mann Property & Casualty Ins. Co. 6358 6290 6887 9163 13823 8241 10926 8611 rates IDS Property Casualty Ins. Co. 5292 5328 5462 7888 8604 5508 6794 5092 available based * LM General Insurance Co. 8333 8136 8821 11404 13258 11127 11972 9966 on the criteria * LM Insurance Corp. 9259 9000 9710 12613 14757 12307 13242 10976 in the Maryland Auto Insurance Fund 10608 10608 10608 9497 11506 10579 11041 10556 scenario, such Metropolitan Casualty Insurance Co. 6406 8017 6406 12450 14186 9839 11531 9839 as an at-fault Metropolitan Direct Property and Casualty 5497 5497 5497 6953 9200 7129 7748 6815 33

Scenario 12: Family Rate with Youthful Driver 21502 21550 21740 20904 20744 20678 20603 20650 Prince Allegany Garrett Washington Montgomery George's Calvert Charles Saint Mary's Western Metropolitan Group Property and Casualty 7390 8152 7390 10058 12996 10458 10354 10458 Maryland, * Mid-Century Insurance Co. 6711 6711 6183 8810 9656 7410 8386 6859 Washington D.C. Mutual Benefit Insurance Co. 4136 4469 4159 5009 5839 4567 5317 3323 Suburbs, and National General Assurance Co. 5169 5169 5122 6537 7224 5645 6408 6034 Southern * Nationwide Affinity Ins. Co. of America 4465 4327 3923 6010 7021 4900 5571 4723 Maryland * Occidental Fire & Casualty Co. of N.C. n/a n/a n/a n/a n/a n/a n/a n/a * Old Dominion Insurance Co. 5148 5164 4798 7856 8850 5830 6978 6014 Rates Paramount Insurance Co. n/a n/a n/a n/a n/a n/a n/a n/a Effective * Peninsula Insurance Co. 5952 4960 5236 7406 10028 6680 7806 6164 as of * Penn National Insurance Co. 4944 5099 5192 7134 8770 6356 6947 6433 2/1/2016 Pharmacists Mutual Insurance Co. 3480 3480 3480 4742 5163 4298 4298 4298 Privilege Underwriters Reciprocal Exch. 3960 3960 1695 2815 4280 4081 4081 4081 * Progressive Select Insurance Co. 5276 5802 4880 6787 7371 6082 6436 5331 * Indicates * Progressive Specialty Insurance Co. 6462 6844 6371 9262 9548 7628 8770 7176 those companies * Response Insurance Co. 11198 9806 10011 11855 13154 11437 12814 10873 that consider * Selective Ins. Co. of South Carolina 3168 3309 3003 4574 5581 4033 4336 3772 credit scores * State Automobile Mutual Insurance Co. 6598 6369 6667 10963 10999 8553 9116 7360 in determining * State Farm Fire & Casualty Co. 6908 6988 7431 9155 9684 8058 9988 7415 premiums. * State Farm Mutual Automobile Ins. Co. 3864 3910 4156 5097 5396 4513 5582 4152 Refer to * Teachers Insurance Co. 7251 7171 8165 11588 15894 9291 12338 9743 "Notes to * Titan Indemnity Company 3648 3597 3733 5176 5301 4172 4727 3933 Rate Tables" Travelers Property Casualty Insurance Co. 6917 8152 7857 13570 14847 8640 12096 8939 United Farm Family Insurance Co. 3678 3678 3678 5314 6165 4829 4829 4829 * United Services Automobile Association 2870 2870 3072 4322 4402 3192 3677 2893 n/a = Carriers * Unitrin Auto & Home Insurance Co. 5652 5885 5463 8559 12541 8010 8289 8338 that do not have * USAA General Indemnity Co. 2428 2428 2428 2980 3322 2421 2883 2353 rates * USAA Property and Casualty Insurance Co. 3252 3340 2981 4250 4783 3142 3877 3010 available based * Victoria Fire & Casualty Company 3691 3640 3778 5238 5367 4221 4782 3980 on the criteria in the scenario, such as an at-fault 34

Scenario 1: Young Single Male, Age 23 21401 21218 21117 21157 21921 21701 21014 21044 Anne Arundel Baltimore City Baltimore County Carroll Cecil Frederick Harford Howard Greater 21st Century Centennial Insurance Co. 3043 6812 5240 3569 3735 2921 3174 3641 Baltimore * Agency Insurance Co. of MD, Inc. 2510 4056 3326 2574 2507 2165 2625 2653 Suburban * AIG Property Casualty Co. 1779 2484 2066 1925 2077 1026 1925 1971 area Allstate Indemnity Co. 2140 2674 2502 1985 2057 1933 2110 2221 * Amco Insurance Co. 2458 4870 3297 2188 2129 1777 2252 2763 * American States Preferred Insurance Co. 2704 5083 3774 2523 2903 2342 2646 3062 * Amica Mutual Insurance Co. 2233 4440 2965 2357 2357 2172 2357 2230 Rates Bankers Standard Insurance Co. 3446 4789 3759 3523 4485 2059 3918 3359 Effective Brethren Mutual Insurance Co. 2828 5800 3952 2364 2242 2364 2472 2828 as of * Chubb National Insurance Co. 2299 3956 3418 2207 2974 2005 2941 2388 2/1/2016 Cincinnati Insurance Co. 1781 2996 2427 1506 1846 1466 1634 1815 * CSAA General Insurance Co. 2609 5401 4226 2355 2931 2343 2864 2927 * Cumberland Insurance Co. Inc. 2029 3301 2462 1930 1930 1723 1930 1930 * Indicates * Dairyland Insurance Co. 6456 11408 9232 5442 6262 4924 6840 7184 those companies Donegal Mutual Insurance Co. 3963 8765 4526 2493 2773 2493 3521 4210 that consider Elephant Insurance Co. 2651 6241 4085 2196 2485 1954 2585 2857 credit scores Encompass Home/Auto Insurance Co. 2653 6314 4628 2804 3255 2521 2809 3044 in determining Erie Insurance Co. 3130 4784 4367 2763 3144 2545 3100 3121 premiums. Erie Insurance Exchange 1938 2944 2696 1721 1958 1587 1924 1929 Refer to * Esurance Property and Casualty Ins. Co. 4152 7364 5814 4372 4316 3668 4518 4612 "Notes to * Foremost Insurance Co. 5429 10763 8073 5676 5611 4701 5968 6088 Rate Tables" * Garrison Property & Casualty Ins. Co. 2230 3356 3047 2223 2359 2068 2348 2172 * GEICO Casualty Co. 979 1708 1323 993 1051 828 1051 992 * Hartford Casualty Insurance Co. 3945 7813 7134 3826 4826 3607 4029 5989 n/a = Carriers * Horace Mann Insurance Co. 1021 1197 1339 1044 1095 916 1112 1021 that do not have * Horace Mann Property & Casualty Ins. Co. 1581 1873 2202 1612 1758 1382 1855 1581 rates IDS Property Casualty Ins. Co. 1296 2304 2080 1360 1576 1202 1444 1376 available based * LM General Insurance Co. 2402 3860 3076 2480 2438 2314 2442 2573 on the criteria * LM Insurance Corp. 2672 4288 3421 2741 2697 2560 2702 2846 in the Maryland Auto Insurance Fund 2652 4790 3364 2592 2991 2472 3071 3082 scenario, such Metropolitan Casualty Insurance Co. 2927 5575 2810 2065 2927 2072 2325 1811 as an at-fault Metropolitan Direct Property and Casualty 1825 2964 2496 1751 2161 1493 2161 1648 35

Scenario 1: Young Single Male, Age 23 21401 21218 21117 21157 21921 21701 21014 21044 Anne Baltimore Baltimore Arundel City County Carroll Cecil Frederick Harford Howard Greater Metropolitan Group Property and Casualty 2216 4004 3218 1828 2146 1824 1972 2152 Baltimore Mid-Century Insurance Co. 2493 4809 3650 2617 2586 2170 2736 2788 Suburban Mutual Benefit Insurance Co. 2236 4648 3322 2064 2479 2280 1987 2522 area National General Assurance Co. 4068 6841 5029 4060 4140 3548 4088 4231 * Nationwide Affinity Ins. Co. of America 1715 3257 2522 1608 1609 1493 1826 1829 * Occidental Fire & Casualty Co. of N.C. 3105 6453 4184 3056 3206 2898 3206 3206 * Old Dominion Insurance Co. 3174 6886 4784 3204 2920 2552 3386 3436 Rates Paramount Insurance Co. 5039 8816 6000 4949 4898 4623 5712 5998 Effective * Peninsula Insurance Co. 2811 9543 5235 2231 2961 2279 2999 3071 as of * Penn National Insurance Co. 2147 5765 3416 2109 2591 2005 2571 2717 2/1/2016 Pharmacists Mutual Insurance Co. 1695 3061 2347 1768 1768 1518 1768 1768 Privilege Underwriters Reciprocal Exch. 1741 2367 2039 1898 2225 954 1898 2539 * Progressive Select Insurance Co. 2051 3565 2726 2153 2154 1878 2119 2440 * Indicates * Progressive Specialty Insurance Co. 2406 4179 3275 2574 2576 2123 2582 2884 those companies * Response Insurance Co. 3749 6264 5200 3722 3935 3549 3897 4074 that consider * Selective Ins. Co. of South Carolina 2043 4519 2871 1940 2423 1605 1923 1827 credit scores * State Automobile Mutual Insurance Co. 2963 3586 4027 2802 2981 2262 2885 3224 in determining * State Farm Fire & Casualty Co. 3062 4707 3698 2936 3466 2414 3148 3227 premiums. * State Farm Mutual Automobile Ins. Co. 2021 3105 2441 1941 2293 1598 2080 2133 Refer to * Teachers Insurance Co. 1862 2212 2509 1787 2000 1571 2071 1862 "Notes to * Titan Indemnity Company 3576 5900 4264 3458 3175 2966 3614 3745 Rate Tables" Travelers Property Casualty Insurance Co. 2488 4906 3764 2560 2642 2162 2616 2750 United Farm Family Insurance Co. 1944 3470 3736 1914 1914 1609 1914 1914 * United Services Automobile Association 1395 1920 1746 1291 1370 1247 1344 1331 n/a = Carriers * Unitrin Auto & Home Insurance Co. 2199 5030 2938 2188 2387 1797 2329 2401 that do not have * USAA General Indemnity Co. 1945 2849 2520 1979 2034 1756 1969 1881 rates * USAA Property and Casualty Insurance Co. 1468 1975 1835 1358 1519 1314 1428 1399 available based * Victoria Fire & Casualty Company 3616 5974 4313 3497 3210 3000 3654 3789 on the criteria in the scenario, such as an at-fault 36

Scenario 2: Young Single Female, Age 23 21401 21218 21117 21157 21921 21701 21014 21044 Anne Baltimore Baltimore Arundel City County Carroll Cecil Frederick Harford Howard Greater 21st Century Centennial Insurance Co. 3134 7199 5476 3760 3895 3089 3320 3860 Baltimore * Agency Insurance Co. of MD, Inc. 2962 5011 3983 3013 2928 2541 3096 3155 Suburban * AIG Property Casualty Co. 2188 3037 2537 2367 2532 1251 2367 2433 area Allstate Indemnity Co. 2150 2685 2514 1996 2067 1951 2121 2233 * Amco Insurance Co. 2743 5616 3735 2406 2348 1941 2516 3098 * American States Preferred Insurance Co. 4278 8276 6043 3936 4636 3668 4182 4905 * Amica Mutual Insurance Co. 2140 4238 2832 2276 2276 2088 2276 2135 Rates Bankers Standard Insurance Co. 2750 3824 2991 2800 3579 1647 3116 2676 Effective Brethren Mutual Insurance Co. 2524 5168 3508 2106 2000 2106 2194 2524 as of * Chubb National Insurance Co. 2437 4201 3634 2340 3152 2121 3121 2529 2/1/2016 Cincinnati Insurance Co. 1836 3145 2475 1517 1895 1476 1681 1865 * CSAA General Insurance Co. 2860 6016 4631 2566 3191 2541 3106 3198 * Cumberland Insurance Co. Inc. 2673 4260 3172 2544 2544 2280 2544 2544 * Indicates * Dairyland Insurance Co. 6350 11874 9304 5284 6048 4744 6808 7098 those companies Donegal Mutual Insurance Co. 3449 7615 3937 2189 2428 2189 3077 3661 that consider Elephant Insurance Co. 3956 9465 6165 3258 3685 2866 3857 4268 credit scores Encompass Home/Auto Insurance Co. 3182 7827 5614 3336 3961 3005 3301 3650 in determining Erie Insurance Co. 2879 4365 3998 2543 2885 2341 2848 2871 premiums. Erie Insurance Exchange 1701 2564 2352 1510 1713 1395 1685 1696 Refer to * Esurance Property and Casualty Ins. Co. 3964 7388 5628 4150 4084 3490 4328 4430 "Notes to * Foremost Insurance Co. 4106 7962 6027 4307 4261 3566 4520 4599 Rate Tables" * Garrison Property & Casualty Ins. Co. 2240 3432 3107 2240 2341 2056 2349 2183 * GEICO Casualty Co. 1187 2132 1640 1198 1287 1005 1287 1213 * Hartford Casualty Insurance Co. 4506 8772 8599 4361 5437 4129 4622 6716 n/a = Carriers * Horace Mann Insurance Co. 1084 1270 1430 1103 1153 966 1179 1084 that do not have * Horace Mann Property & Casualty Ins. Co. 1680 1987 2355 1707 1853 1459 1968 1680 rates IDS Property Casualty Ins. Co. 1950 3508 3134 2030 2362 1812 2162 2070 available based * LM General Insurance Co. 2866 4694 3719 2990 2935 2759 2924 3087 on the criteria * LM Insurance Corp. 3189 5212 4134 3307 3247 3051 3234 3414 in the Maryland Auto Insurance Fund 1918 3517 2418 1869 2157 1785 2210 2223 scenario, such Metropolitan Casualty Insurance Co. 3377 6566 3288 2395 3397 2394 2717 2108 as an at-fault Metropolitan Direct Property and Casualty 2138 3509 2955 2039 2515 1750 2515 1931 37

Scenario 2: Young Single Female, Age 23 21401 21218 21117 21157 21921 21701 21014 21044 Anne Baltimore Baltimore Arundel City County Carroll Cecil Frederick Harford Howard Greater Metropolitan Group Property and Casualty 2476 4648 3630 2022 2374 2008 2186 2378 Baltimore Mid-Century Insurance Co. 2683 5338 4024 2804 2796 2325 2948 3007 Suburban Mutual Benefit Insurance Co. 2530 5312 3777 2349 2835 2603 2251 2869 area National General Assurance Co. 3671 6616 4603 3606 3680 3073 3667 3803 * Nationwide Affinity Ins. Co. of America 1639 3191 2440 1533 1543 1412 1737 1772 * Occidental Fire & Casualty Co. of N.C. 2558 5474 3435 2512 2651 2369 2651 2651 * Old Dominion Insurance Co. 4592 10590 7100 4590 4218 3622 4900 4998 Rates Paramount Insurance Co. 3866 6828 4618 3776 3915 3450 4539 4825 Effective * Peninsula Insurance Co. 2627 8849 4871 2091 2779 2131 2807 2877 as of * Penn National Insurance Co. 3220 7348 4262 2637 3243 2494 3235 3410 2/1/2016 Pharmacists Mutual Insurance Co. 1823 3287 2516 1901 1901 1637 1901 1901 Privilege Underwriters Reciprocal Exch. 1866 2534 2197 2040 2378 1021 2040 2731 * Progressive Select Insurance Co. 2426 4470 3302 2530 2505 2217 2528 2922 * Indicates * Progressive Specialty Insurance Co. 2999 5485 4149 3178 3193 2650 3259 3648 those companies * Response Insurance Co. 3972 6708 5536 3933 4171 3755 4132 4335 that consider * Selective Ins. Co. of South Carolina 2841 6329 4021 2690 3383 2223 2671 2538 credit scores * State Automobile Mutual Insurance Co. 4312 5348 5934 4123 4359 3276 4276 4778 in determining * State Farm Fire & Casualty Co. 3295 5225 4112 3153 3729 2584 3390 3474 premiums. * State Farm Mutual Automobile Ins. Co. 1914 3043 2392 1836 2173 1504 1975 2024 Refer to * Teachers Insurance Co. 1986 2351 2693 1899 2114 1665 2203 1986 "Notes to * Titan Indemnity Company 3821 6494 4581 3671 3335 3107 3871 4020 Rate Tables" Travelers Property Casualty Insurance Co. 2760 5494 4216 2828 2946 2394 2900 3046 United Farm Family Insurance Co. 2050 3597 3884 2013 2013 1695 2013 2013 * United Services Automobile Association 1330 1862 1689 1235 1291 1184 1279 1278 n/a = Carriers * Unitrin Auto & Home Insurance Co. 2268 5236 3036 2263 2470 1854 2409 2485 that do not have * USAA General Indemnity Co. 1927 2867 2526 1942 2029 1726 1957 1860 rates * USAA Property and Casualty Insurance Co. 1401 1923 1777 1301 1446 1250 1358 1345 available based * Victoria Fire & Casualty Company 3864 6574 4634 3712 3371 3142 3914 4067 on the criteria in the scenario, such as an at-fault 38

Scenario 3: Young Single Male, Age 30 21401 21218 21117 21157 21921 21701 21014 21044 Anne Baltimore Baltimore Arundel City County Carroll Cecil Frederick Harford Howard Greater 21st Century Centennial Insurance Co. 1774 3823 2894 2123 2179 1811 1867 2191 Baltimore * Agency Insurance Co. of MD, Inc. 1531 2628 2083 1558 1532 1318 1603 1638 Suburban * AIG Property Casualty Co. 1368 1943 1588 1485 1560 826 1485 1529 area Allstate Indemnity Co. 1240 1588 1449 1164 1202 1119 1230 1289 * Amco Insurance Co. 910 1689 1190 823 811 703 852 1000 * American States Preferred Insurance Co. 1574 3047 2228 1463 1695 1357 1560 1789 * Amica Mutual Insurance Co. 884 1810 1182 943 943 851 943 883 Rates Atlantic States Insurance Co. 1567 3641 1846 1001 1140 1001 1422 1665 Effective Bankers Standard Insurance Co. 1866 2609 2093 1933 2362 1068 2118 1886 as of Brethren Mutual Insurance Co. 1164 2662 1658 962 952 962 1136 1164 2/1/2016 * Chubb National Insurance Co. 1493 2563 2224 1437 1921 1292 1911 1537 Cincinnati Insurance Co. 972 1652 1318 810 995 790 882 988 * CSAA General Insurance Co. 1052 2207 1731 934 1158 938 1132 1189 * Indicates * Cumberland Insurance Co. Inc. 867 1678 1286 822 822 734 822 822 those companies * Dairyland Insurance Co. 4828 9124 7118 3968 4514 3552 5166 5414 that consider Elephant Insurance Co. 1962 4581 3009 1630 1839 1460 1914 2112 credit scores Encompass Home/Auto Insurance Co. 1044 2452 1735 1103 1265 1002 1090 1183 in determining Erie Insurance Co. 1712 2664 2401 1498 1715 1369 1704 1701 premiums. Erie Insurance Exchange 1071 1653 1494 941 1073 862 1070 1061 Refer to * Esurance Property and Casualty Ins. Co. 2198 3946 3076 2300 2282 1948 2390 2436 "Notes to * Foremost Insurance Co. 1932 3803 2875 2022 2010 1673 2129 2167 Rate Tables" * Garrison Property & Casualty Ins. Co. 1371 2128 1922 1363 1433 1246 1437 1342 * GEICO Casualty Co. 812 1490 1138 820 885 693 885 833 * Hartford Casualty Insurance Co. 3178 6408 6284 3004 3629 2816 3221 4669 n/a = Carriers * Horace Mann Insurance Co. 828 953 1087 835 856 723 879 828 that do not have * Horace Mann Property & Casualty Ins. Co. 1254 1459 1762 1266 1339 1063 1429 1254 rates IDS Property Casualty Ins. Co. 916 1676 1502 974 1166 854 1024 976 available based * LM General Insurance Co. 1123 1701 1399 1147 1134 1104 1045 1126 on the criteria * LM Insurance Corp. 1248 1890 1558 1272 1255 1220 1157 1245 in the Maryland Auto Insurance Fund 2315 4427 2959 2244 2648 2131 2722 2744 scenario, such Metropolitan Casualty Insurance Co. 2051 3978 1956 1465 2067 1453 1622 1266 as an at-fault Metropolitan Direct Property and Casualty 1509 2475 2062 1423 1749 1261 1749 1343 39

21401 21218 21117 21157 21921 21701 21014 21044 Anne Baltimore Baltimore Arundel City County Carroll Cecil Frederick Harford Howard Greater Metropolitan Group Property and Casualty 1578 2942 2328 1310 1522 1288 1394 1532 Baltimore Mid-Century Insurance Co. 1389 2929 2140 1438 1431 1198 1519 1566 Suburban Mutual Benefit Insurance Co. 1129 2450 1708 1067 1304 1196 1010 1302 area National General Assurance Co. 2999 5309 3811 2962 3034 2543 3009 3110 * Nationwide Affinity Ins. Co. of America 938 1698 1347 875 882 823 986 992 * Occidental Fire & Casualty Co. of N.C. n/a n/a n/a n/a n/a n/a n/a n/a * Old Dominion Insurance Co. 1100 2562 1714 1100 1018 872 1174 1200 Rates Paramount Insurance Co. n/a n/a n/a n/a n/a n/a n/a n/a Effective * Peninsula Insurance Co. 653 2183 1177 533 681 547 689 697 as of * Penn National Insurance Co. 1826 4282 2478 1497 1844 1418 1835 1930 2/1/2016 Pharmacists Mutual Insurance Co. 1065 2291 1780 1108 1108 945 1108 1108 Privilege Underwriters Reciprocal Exch. 846 1149 989 922 1083 465 922 1236 * Progressive Select Insurance Co. 1487 2696 1982 1552 1568 1352 1538 1758 * Indicates * Progressive Specialty Insurance Co. 1784 3278 2463 1883 1933 1566 1924 2160 those companies * Response Insurance Co. 2819 4739 3895 2793 2939 2647 2927 3055 that consider * Selective Ins. Co. of South Carolina 1121 2402 1547 1064 1315 892 1054 1008 credit scores * State Automobile Mutual Insurance Co. 1177 1414 1590 1088 1150 888 1120 1276 in determining * State Farm Fire & Casualty Co. 1654 2770 2214 1549 1822 1278 1662 1702 premiums. * State Farm Mutual Automobile Ins. Co. 1083 1820 1453 1020 1202 842 1094 1121 Refer to * Teachers Insurance Co. 1468 1722 2009 1404 1522 1205 1592 1468 "Notes to * Titan Indemnity Company 2177 3706 2597 2103 1941 1823 2198 2311 Rate Tables" Travelers Property Casualty Insurance Co. 1437 2869 2179 1481 1528 1249 1501 1574 United Farm Family Insurance Co. 1266 2557 2733 1248 1248 1047 1248 1248 * United Services Automobile Association 976 1384 1256 907 952 865 944 944 n/a = Carriers * Unitrin Auto & Home Insurance Co. 1333 3091 1743 1299 1464 1092 1416 1416 that do not have * USAA General Indemnity Co. 912 1368 1200 903 970 809 929 880 rates * USAA Property and Casualty Insurance Co. 1025 1429 1319 951 1068 910 1000 991 available based * Victoria Fire & Casualty Company 2203 3760 2630 2128 1963 1845 2224 2341 on the criteria in the scenario, such as an at-fault 40

Scenario 4: Young Single Female, Age 30 21401 21218 21117 21157 21921 21701 21014 21044 Anne Baltimore Baltimore Arundel City County Carroll Cecil Frederick Harford Howard Greater 21st Century Centennial Insurance Co. 1144 2438 1359 1146 1390 1138 1187 1368 Baltimore * Agency Insurance Co. of MD, Inc. 1226 2186 1723 1235 1231 1046 1286 1315 Suburban * AIG Property Casualty Co. 1239 1793 1457 1354 1431 745 1354 1389 area Allstate Indemnity Co. 1191 1543 1392 1116 1153 1075 1179 1238 * Amco Insurance Co. 903 1703 1194 820 809 698 851 998 * American States Preferred Insurance Co. 1010 1937 1423 939 1087 875 1001 1146 * Amica Mutual Insurance Co. 861 1724 1131 919 919 839 919 861 Rates Atlantic States Insurance Co. 1002 2278 1164 662 738 662 916 1064 Effective Bankers Standard Insurance Co. 1440 2005 1596 1474 1830 834 1623 1440 as of Brethren Mutual Insurance Co. 1290 2874 1790 1068 1056 1068 1234 1290 2/1/2016 * Chubb National Insurance Co. 1076 1809 1568 1029 1364 936 1356 1092 Cincinnati Insurance Co. 847 1432 1146 706 866 689 767 862 * CSAA General Insurance Co. 650 1368 1064 572 708 575 687 735 * Indicates * Cumberland Insurance Co. Inc. 672 1298 1010 637 637 577 637 637 those companies * Dairyland Insurance Co. 3854 7384 5720 3154 3594 2820 4140 4324 that consider Elephant Insurance Co. 1521 3575 2343 1260 1422 1123 1483 1638 credit scores Encompass Home/Auto Insurance Co. 810 1856 1313 849 968 775 842 904 in determining * Erie Insurance Co. 1107 1741 1559 964 1108 883 1101 1095 premiums. * Erie Insurance Exchange 832 1311 1172 724 834 663 829 822 Refer to * Esurance Property and Casualty Ins. Co. 1346 2420 1898 1400 1398 1198 1458 1488 "Notes to * Foremost Insurance Co. 1547 2905 2254 1628 1615 1347 1697 1721 Rate Tables" * Garrison Property & Casualty Ins. Co. 991 1499 1369 991 1035 916 1037 973 * GEICO Casualty Co. 662 1233 933 674 725 568 725 679 * Hartford Casualty Insurance Co. 2116 3911 3837 1983 2392 1874 2122 2980 n/a = Carriers * Horace Mann Insurance Co. 687 789 901 690 706 602 730 687 that do not have * Horace Mann Property & Casualty Ins. Co. 1033 1198 1448 1036 1096 878 1175 1033 rates IDS Property Casualty Ins. Co. 790 1448 1290 836 998 734 876 838 available based * LM General Insurance Co. 1069 1639 1342 1103 1092 1056 999 1072 on the criteria * LM Insurance Corp. 1189 1821 1493 1221 1206 1169 1105 1187 in the Maryland Auto Insurance Fund 2707 4905 3388 2636 3036 2526 3108 3131 scenario, such Metropolitan Casualty Insurance Co. 1350 2566 1293 947 1354 956 1077 850 as an at-fault Metropolitan Direct Property and Casualty 984 1609 1355 936 1149 827 1149 883 41

Scenario 4: Young Single Female, Age 30 21401 21218 21117 21157 21921 21701 21014 21044 Anne Baltimore Baltimore Arundel City County Carroll Cecil Frederick Harford Howard Greater Metropolitan Group Property and Casualty 1102 2034 1600 910 1060 904 978 1052 Baltimore * Mid-Century Insurance Co. 1136 2286 1704 1183 1165 982 1242 1272 Suburban Mutual Benefit Insurance Co. 1155 2433 1728 1078 1315 1205 1025 1321 area National General Assurance Co. 1147 2144 1537 1134 1164 956 1153 1185 * Nationwide Affinity Ins. Co. of America 877 1644 1280 823 829 773 926 937 * Occidental Fire & Casualty Co. of N.C. n/a n/a n/a n/a n/a n/a n/a n/a * Old Dominion Insurance Co. 760 1780 1208 760 710 606 812 828 Rates Paramount Insurance Co. n/a n/a n/a n/a n/a n/a n/a n/a Effective * Peninsula Insurance Co. 485 1571 841 399 507 409 507 517 as of * Penn National Insurance Co. 857 2016 1208 711 866 679 859 903 2/1/2016 Pharmacists Mutual Insurance Co. 623 1343 1043 650 650 554 650 650 Privilege Underwriters Reciprocal Exch. 795 1068 923 864 1031 430 864 1166 * Progressive Select Insurance Co. 1192 2303 1661 1253 1265 1079 1242 1425 * Indicates * Progressive Specialty Insurance Co. 1407 2674 2013 1482 1514 1231 1510 1718 those companies * Response Insurance Co. 1662 2948 2376 1642 1738 1548 1735 1822 that consider * Selective Ins. Co. of South Carolina 851 1818 1170 808 999 682 801 766 credit scores * State Automobile Mutual Insurance Co. 749 886 987 676 710 559 693 805 in determining * State Farm Fire & Casualty Co. 1368 2284 1825 1271 1493 1050 1364 1396 premiums. * State Farm Mutual Automobile Ins. Co. 892 1496 1194 834 981 688 895 916 Refer to * Teachers Insurance Co. 1209 1415 1657 1152 1247 996 1312 1209 "Notes to * Titan Indemnity Company 1878 3157 2217 1812 1674 1565 1903 1982 Rate Tables" Travelers Property Casualty Insurance Co. 911 1763 1342 942 965 794 947 992 United Farm Family Insurance Co. 1392 2770 2977 1370 1370 1161 1370 1370 * United Services Automobile Association 675 928 853 632 660 607 654 651 n/a = Carriers * Unitrin Auto & Home Insurance Co. 781 1801 1023 761 858 642 830 828 that do not have * USAA General Indemnity Co. 567 824 735 565 598 510 576 548 rates * USAA Property and Casualty Insurance Co. 688 930 873 644 713 619 673 664 available based * Victoria Fire & Casualty Company 1899 3198 2242 1832 1692 1582 1923 2005 on the criteria in the scenario, such as an at-fault 42

Scenario 5: Single Male, Age 50 21401 21218 21117 21157 21921 21701 21014 21044 Anne Baltimore Baltimore Arundel City County Carroll Cecil Frederick Harford Howard Greater 21st Century Centennial Insurance Co. 1612 3464 2609 1962 1982 1657 1688 1987 Baltimore * Agency Insurance Co. of MD, Inc. 1688 3014 2338 1707 1697 1453 1770 1819 Suburban * AIG Property Casualty Co. 1458 2097 1702 1590 1639 894 1590 1649 area Allstate Indemnity Co. 1712 2228 2027 1603 1661 1531 1702 1784 * Amco Insurance Co. 1301 2342 1680 1187 1176 1039 1236 1417 * American States Preferred Insurance Co. 1103 2123 1537 1021 1169 937 1098 1246 * Amica Mutual Insurance Co. 1278 2553 1675 1365 1365 1261 1365 1275 Rates Bankers Standard Insurance Co. 1602 2251 1803 1639 2015 907 1790 1630 Effective Brethren Mutual Insurance Co. 1858 4358 2592 1530 1538 1530 1774 1858 as of * Chubb National Insurance Co. 1568 2607 2269 1499 1961 1363 1961 1577 2/1/2016 Cincinnati Insurance Co. 1145 1934 1537 951 1156 926 1024 1162 * CSAA General Insurance Co. 696 1497 1167 619 773 608 754 786 * Cumberland Insurance Co. Inc. 836 1769 1387 795 795 722 795 795 * Indicates * Dairyland Insurance Co. 5208 10428 7904 4178 4732 3708 5630 5878 those companies Donegal Mutual Insurance Co. 1577 3758 1891 1033 1190 1033 1466 1668 that consider Elephant Insurance Co. 2002 4735 3095 1656 1874 1469 1952 2158 credit scores Encompass Home/Auto Insurance Co. 1355 3025 2073 1414 1588 1318 1402 1498 in determining * Erie Insurance Co. 1875 2927 2629 1631 1868 1491 1866 1860 premiums. * Erie Insurance Exchange 1131 1766 1579 979 1126 891 1126 1119 Refer to * Esurance Property and Casualty Ins. Co. 1648 3094 2344 1714 1702 1460 1794 1832 "Notes to * Foremost Insurance Co. 2093 3967 2995 2206 2178 1836 2298 2347 Rate Tables" * Garrison Property & Casualty Ins. Co. 1574 2527 2212 1593 1615 1420 1663 1542 * GEICO Casualty Co. 940 1722 1319 951 1029 813 1029 977 * Hartford Casualty Insurance Co. 1992 4140 4059 1809 2151 1677 1933 2860 n/a = Carriers * Horace Mann Insurance Co. 1282 1472 1667 1294 1326 1130 1361 1282 that do not have * Horace Mann Property & Casualty Ins. Co. 1921 2228 2670 1933 2050 1640 2184 1921 rates IDS Property Casualty Ins. Co. 938 1790 1602 1010 1250 872 1070 1002 available based * LM General Insurance Co. 1464 2313 1868 1521 1497 1451 1491 1565 on the criteria * LM Insurance Corp. 1627 2569 2076 1682 1658 1606 1648 1729 in the Maryland Auto Insurance Fund 5785 10266 7186 5644 6445 5422 6590 6636 scenario, such Metropolitan Casualty Insurance Co. 1694 3348 1627 1220 1717 1197 1694 1503 as an at-fault Metropolitan Direct Property and Casualty 1232 2034 1689 1154 1429 1030 1429 1107 43

Scenario 5: Single Male, Age 50 21401 21218 21117 21157 21921 21701 21014 21044 Anne Baltimore Baltimore Arundel City County Carroll Cecil Frederick Harford Howard Greater Metropolitan Group Property and Casualty 1409 2681 2119 1180 1369 1153 1256 1382 Baltimore * Mid-Century Insurance Co. 1335 2778 1985 1393 1380 1159 1525 1525 Suburban Mutual Benefit Insurance Co. 1389 3013 2106 1308 1603 1467 1246 1604 area National General Assurance Co. 1832 3486 2393 1789 1835 1490 1827 1897 * Nationwide Affinity Ins. Co. of America 1514 2705 2147 1422 1442 1336 1579 1617 * Occidental Fire & Casualty Co. of N.C. n/a n/a n/a n/a n/a n/a n/a n/a * Old Dominion Insurance Co. 714 1740 1152 712 676 574 776 796 Rates Paramount Insurance Co. n/a n/a n/a n/a n/a n/a n/a n/a Effective * Peninsula Insurance Co. 704 2196 1178 592 734 606 730 750 as of * Penn National Insurance Co. 1127 2762 1600 936 1133 885 1132 1178 2/1/2016 Pharmacists Mutual Insurance Co. 924 2031 1585 961 961 824 961 961 Privilege Underwriters Reciprocal Exch. 854 1166 1017 942 1077 471 942 1268 * Progressive Select Insurance Co. 1595 3074 2170 1666 1703 1430 1655 1900 * Indicates * Progressive Specialty Insurance Co. 1702 3186 2370 1788 1853 1486 1819 2064 those companies * Response Insurance Co. 2390 4273 3414 2353 2494 2215 2499 2628 that consider * Selective Ins. Co. of South Carolina 980 2024 1322 938 1138 799 928 888 credit scores * State Automobile Mutual Insurance Co. 1202 1454 1620 1097 1149 893 1131 1313 in determining * State Farm Fire & Casualty Co. 1874 3051 2474 1727 2026 1435 1851 1895 premiums. * State Farm Mutual Automobile Ins. Co. 1221 2000 1619 1135 1334 942 1216 1246 Refer to * Teachers Insurance Co. 2238 2624 3041 2140 2321 1852 2426 2238 "Notes to * Titan Indemnity Company 2480 4148 2792 2350 2177 2025 2485 2589 Rate Tables" Travelers Property Casualty Insurance Co. 1273 2398 1835 1314 1341 1126 1325 1375 United Farm Family Insurance Co. 1577 3407 3631 1550 1550 1322 1550 1550 * United Services Automobile Association 1086 1589 1397 1034 1046 966 1068 1053 n/a = Carriers * Unitrin Auto & Home Insurance Co. 1426 3316 1870 1388 1571 1181 1518 1524 that do not have * USAA General Indemnity Co. 850 1290 1108 854 893 761 877 821 rates * USAA Property and Casualty Insurance Co. 1052 1526 1360 1002 1085 940 1046 1023 available based * Victoria Fire & Casualty Company 2508 4200 2824 2375 2200 2047 2512 2618 on the criteria in the scenario, such as an at-fault 44

Scenario 6: Senior Citizen - Single Male, Age 65 21401 21218 21117 21157 21921 21701 21014 21044 Anne Baltimore Baltimore Arundel City County Carroll Cecil Frederick Harford Howard Greater 21st Century Centennial Insurance Co. 1075 2141 1664 1255 1268 1063 1085 1235 Baltimore * Agency Insurance Co. of MD, Inc. 1085 1850 1472 1099 1075 1226 1134 1156 Suburban * AIG Property Casualty Co. 954 1341 1086 1017 1116 585 1017 1035 area Allstate Indemnity Co. 1271 1614 1486 1191 1230 1147 1258 1315 * Amco Insurance Co. 998 1881 1309 891 873 752 926 1099 * American States Preferred Insurance Co. 1072 2002 1463 984 1142 917 1056 1213 * Amica Mutual Insurance Co. 743 1545 1003 792 792 709 792 743 Rates Atlantic States Insurance Co. 603 1403 719 399 460 399 554 636 Effective Bankers Standard Insurance Co. 919 1292 1052 957 1137 508 1037 954 as of Brethren Mutual Insurance Co. 730 1756 1066 590 602 590 720 730 2/1/2016 * Chubb National Insurance Co. 873 1475 1283 839 1101 758 1104 886 Cincinnati Insurance Co. 615 1055 831 500 618 489 552 625 * CSAA General Insurance Co. 686 1426 1124 604 762 605 742 766 * Indicates * Cumberland Insurance Co. Inc. 416 858 683 392 392 352 392 392 those companies * Dairyland Insurance Co. 2860 5352 4202 2328 2630 2082 3042 3212 that consider Elephant Insurance Co. 1925 4579 2990 1588 1791 1404 1877 2074 credit scores Encompass Home/Auto Insurance Co. 717 1645 1152 735 854 681 736 794 in determining * Erie Insurance Co. 965 1491 1344 844 968 777 958 956 premiums. * Erie Insurance Exchange 639 989 891 557 640 512 635 630 Refer to * Esurance Property and Casualty Ins. Co. 1210 2104 1658 1260 1246 1084 1310 1334 "Notes to * Foremost Insurance Co. 1774 3472 2579 1864 1829 1542 1964 2001 Rate Tables" * Garrison Property & Casualty Ins. Co. 816 1248 1133 817 838 744 847 800 * GEICO Casualty Co. 557 996 771 557 603 479 603 569 * Hartford Casualty Insurance Co. 1113 2110 2070 1016 1230 952 1061 1552 n/a = Carriers * Horace Mann Insurance Co. 579 665 752 587 604 514 619 579 that do not have * Horace Mann Property & Casualty Ins. Co. 864 999 1202 878 925 741 985 864 rates IDS Property Casualty Ins. Co. 594 1124 1008 636 792 552 678 636 available based * LM General Insurance Co. 1252 1922 1574 1293 1270 1225 1173 1258 on the criteria * LM Insurance Corp. 1393 2135 1750 1430 1406 1356 1297 1392 in the Maryland Auto Insurance Fund 1934 3840 2502 1866 2258 1757 2330 2352 scenario, such Metropolitan Casualty Insurance Co. 1006 1877 963 705 1005 716 795 630 as an at-fault Metropolitan Direct Property and Casualty 771 1236 1044 721 890 641 890 676 45

Scenario 6: Senior Citizen - Single Male, Age 65 21401 21218 21117 21157 21921 21701 21014 21044 Anne Baltimore Baltimore Arundel City County Carroll Cecil Frederick Harford Howard Greater Metropolitan Group Property and Casualty 878 1586 1270 732 856 736 784 844 Baltimore * Mid-Century Insurance Co. 1073 2130 1554 1123 1091 934 1180 1211 Suburban Mutual Benefit Insurance Co. 705 1672 1138 673 846 773 653 848 area National General Assurance Co. 1044 2007 1369 1006 1035 836 1046 1073 * Nationwide Affinity Ins. Co. of America 950 1770 1382 882 882 824 998 1017 * Occidental Fire & Casualty Co. of N.C. n/a n/a n/a n/a n/a n/a n/a n/a * Old Dominion Insurance Co. 652 1566 1030 648 602 508 696 716 Rates Paramount Insurance Co. n/a n/a n/a n/a n/a n/a n/a n/a Effective * Peninsula Insurance Co. 369 1203 641 313 391 319 391 397 as of * Penn National Insurance Co. 854 2116 1208 705 859 662 863 899 2/1/2016 Pharmacists Mutual Insurance Co. 440 974 771 456 456 389 456 456 Privilege Underwriters Reciprocal Exch. 487 659 569 529 621 271 529 695 * Progressive Select Insurance Co. 970 1763 1308 1010 1006 888 1005 1151 * Indicates * Progressive Specialty Insurance Co. 1274 2342 1780 1347 1355 1126 1377 1552 those companies * Response Insurance Co. 2235 3934 3189 2195 2361 2092 2345 2474 that consider * Selective Ins. Co. of South Carolina 584 1254 810 556 688 468 554 527 credit scores * State Automobile Mutual Insurance Co. 777 954 1043 709 744 574 735 860 in determining * State Farm Fire & Casualty Co. 1208 2013 1611 1115 1308 916 1201 1225 premiums. * State Farm Mutual Automobile Ins. Co. 784 1315 1050 729 856 598 785 801 Refer to * Teachers Insurance Co. 1011 1174 1368 972 1046 835 1096 1011 "Notes to * Titan Indemnity Company 1790 2996 2085 1711 1573 1472 1806 1879 Rate Tables" Travelers Property Casualty Insurance Co. 989 1976 1500 1018 1046 861 1035 1082 United Farm Family Insurance Co. 876 1800 1909 868 868 729 868 868 * United Services Automobile Association 579 803 735 544 558 518 558 561 n/a = Carriers * Unitrin Auto & Home Insurance Co. 941 2160 1244 934 1028 775 1001 1014 that do not have * USAA General Indemnity Co. 465 674 601 459 489 418 472 449 rates * USAA Property and Casualty Insurance Co. 563 772 718 529 580 505 548 547 available based * Victoria Fire & Casualty Company 1809 3036 2109 1729 1590 1488 1826 1901 on the criteria in the scenario, such as an at-fault 46

Scenario 7: Senior Citizen - Single Female, Age 65 21401 21218 21117 21157 21921 21701 21014 21044 Anne Baltimore Baltimore Arundel City County Carroll Cecil Frederick Harford Howard Greater 21st Century Centennial Insurance Co. 1228 2460 1916 1431 1429 1198 1212 1367 Baltimore * Agency Insurance Co. of MD, Inc. 1224 2210 1712 1229 1217 1041 1285 1317 Suburban * AIG Property Casualty Co. 898 1328 1053 981 1018 561 981 1014 area Allstate Indemnity Co. 1297 1711 1552 1217 1259 1154 1288 1359 * Amco Insurance Co. 1027 1972 1364 917 899 771 957 1136 * American States Preferred Insurance Co. 1021 1966 1412 928 1082 857 1012 1158 * Amica Mutual Insurance Co. 880 1804 1176 940 940 852 940 881 Rates Bankers Standard Insurance Co. 966 1350 1096 998 1200 540 1088 992 Effective Brethren Mutual Insurance Co. 866 2042 1244 716 716 716 846 866 as of * Chubb National Insurance Co. 969 1641 1425 929 1226 839 1226 986 2/1/2016 Cincinnati Insurance Co. 655 1127 892 538 663 525 591 668 * CSAA General Insurance Co. 630 1340 1041 555 692 551 671 712 * Cumberland Insurance Co. Inc. 627 1242 965 595 595 531 595 595 * Indicates * Dairyland Insurance Co. 3338 6500 5000 2726 3124 2434 3608 3744 those companies Donegal Mutual Insurance Co. 881 2065 1046 577 660 577 811 933 that consider Elephant Insurance Co. 1668 3954 2585 1378 1552 1221 1627 1796 credit scores Encompass Home/Auto Insurance Co. 1352 3276 2271 1380 1638 1274 1385 1511 in determining * Erie Insurance Co. 1037 1635 1461 900 1034 821 1030 1028 premiums. * Erie Insurance Exchange 687 1083 968 595 685 540 684 680 Refer to * Esurance Property and Casualty Ins. Co. 1194 2182 1680 1236 1230 1066 1294 1324 "Notes to * Foremost Insurance Co. 2304 4442 3354 2420 2379 2001 2539 2582 Rate Tables" * Garrison Property & Casualty Ins. Co. 831 1284 1167 833 858 758 867 816 * GEICO Casualty Co. 598 1121 855 598 656 514 656 616 * Hartford Casualty Insurance Co. 1074 2097 2059 1011 1217 949 1063 1546 n/a = Carriers * Horace Mann Insurance Co. 620 709 822 621 629 537 658 620 that do not have * Horace Mann Property & Casualty Ins. Co. 930 1067 1324 933 966 776 1050 930 rates IDS Property Casualty Ins. Co. 654 1270 1124 696 874 608 744 698 available based * LM General Insurance Co. 1275 1975 1611 1322 1307 1261 1193 1286 on the criteria * LM Insurance Corp. 1416 2193 1790 1463 1443 1396 1320 1424 in the Maryland Auto Insurance Fund 2206 4223 2818 2138 2512 2036 2579 2603 scenario, such Metropolitan Casualty Insurance Co. 1251 2443 1221 882 1253 884 1003 788 as an at-fault Metropolitan Direct Property and Casualty 790 1293 1088 735 923 656 923 695 47

Scenario 7: Senior Citizen - Single Female, Age 65 21401 21218 21117 21157 21921 21701 21014 21044 Anne Baltimore Baltimore Arundel City County Carroll Cecil Frederick Harford Howard Greater Metropolitan Group Property and Casualty 992 1882 1452 802 948 808 878 958 Baltimore * Mid-Century Insurance Co. 1208 2551 1841 1254 1244 1040 1337 1372 Suburban Mutual Benefit Insurance Co. 970 2129 1493 908 1116 1026 875 1132 area National General Assurance Co. 903 1781 1219 872 899 720 906 929 * Nationwide Affinity Ins. Co. of America 943 1789 1388 878 878 821 995 1012 * Occidental Fire & Casualty Co. of N.C. n/a n/a n/a n/a n/a n/a n/a n/a * Old Dominion Insurance Co. 762 1902 1228 758 712 592 816 842 Rates Paramount Insurance Co. n/a n/a n/a n/a n/a n/a n/a n/a Effective * Peninsula Insurance Co. 457 1501 799 389 483 397 483 491 as of * Penn National Insurance Co. 713 1769 1032 592 718 559 719 750 2/1/2016 Pharmacists Mutual Insurance Co. 519 1148 908 538 538 461 538 538 Privilege Underwriters Reciprocal Exch. 607 833 718 665 765 337 665 888 * Progressive Select Insurance Co. 1101 2137 1525 1143 1145 992 1147 1311 * Indicates * Progressive Specialty Insurance Co. 1307 2533 1869 1372 1408 1146 1422 1603 those companies * Response Insurance Co. 1959 3561 2837 1922 2059 1820 2051 2170 that consider * Selective Ins. Co. of South Carolina 795 1728 1109 754 940 635 750 716 credit scores * State Automobile Mutual Insurance Co. 952 1171 1284 869 913 701 903 1054 in determining * State Farm Fire & Casualty Co. 1380 2349 1857 1282 1508 1056 1379 1411 premiums. * State Farm Mutual Automobile Ins. Co. 899 1538 1214 840 990 692 904 926 Refer to * Teachers Insurance Co. 1096 1264 1521 1042 1102 884 1178 1096 "Notes to * Titan Indemnity Company 1898 3224 2242 1821 1673 1563 1923 2004 Rate Tables" Travelers Property Casualty Insurance Co. 1110 2236 1694 1142 1174 960 1160 1214 United Farm Family Insurance Co. 966 1966 2092 952 952 806 952 952 * United Services Automobile Association 594 833 763 559 575 531 576 578 n/a = Carriers * Unitrin Auto & Home Insurance Co. 913 2172 1198 896 1011 751 978 978 that do not have * USAA General Indemnity Co. 449 655 584 443 476 403 458 433 rates * USAA Property and Casualty Insurance Co. 584 808 753 549 605 524 570 569 available based * Victoria Fire & Casualty Company 1920 3268 2269 1842 1692 1581 1944 2028 on the criteria in the scenario, such as an at-fault 48

Scenario 8: Single Female, Age 50 21401 21218 21117 21157 21921 21701 21014 21044 Anne Baltimore Baltimore Arundel City County Carroll Cecil Frederick Harford Howard Greater 21st Century Centennial Insurance Co. 1514 3245 2491 1803 1828 1476 1545 1769 Baltimore * Agency Insurance Co. of MD, Inc. 1245 2298 1775 1247 1248 1056 1309 1344 Suburban * AIG Property Casualty Co. 1518 2118 1746 1639 1714 911 1639 1695 area Allstate Indemnity Co. 1349 1809 1589 1261 1307 1199 1337 1393 * Amco Insurance Co. 922 1762 1226 828 817 704 867 1017 * American States Preferred Insurance Co. 1115 2125 1547 1029 1184 951 1107 1259 * Amica Mutual Insurance Co. 915 1856 1201 979 979 882 979 917 Rates Bankers Standard Insurance Co. 1428 1975 1607 1464 1762 800 1601 1462 Effective Brethren Mutual Insurance Co. 1142 2750 1688 868 876 868 1042 1142 as of * Chubb National Insurance Co. 1235 1999 1750 1189 1531 1090 1527 1255 2/1/2016 Cincinnati Insurance Co. 860 1474 1161 706 857 686 767 873 * CSAA General Insurance Co. 683 1458 1150 595 746 592 725 777 * Cumberland Insurance Co. Inc. 884 1816 1416 833 833 747 833 833 * Indicates * Dairyland Insurance Co. n/a n/a n/a n/a n/a n/a n/a n/a those companies Donegal Mutual Insurance Co. 2690 6562 3253 1661 1935 1661 2430 2855 that consider Elephant Insurance Co. 2113 5037 3286 1742 1967 1537 2060 2278 credit scores Encompass Home/Auto Insurance Co. 1511 3543 2476 1569 1826 1441 1559 1696 in determining * Erie Insurance Co. 1204 1877 1694 1043 1196 949 1190 1192 premiums. * Erie Insurance Exchange 782 1221 1098 674 777 616 774 774 Refer to * Esurance Property and Casualty Ins. Co. 1168 2116 1644 1210 1210 1042 1264 1290 "Notes to * Foremost Insurance Co. 1932 3853 2893 2018 2008 1671 2127 2171 Rate Tables" * Garrison Property & Casualty Ins. Co. 1055 1655 1494 1051 1079 947 1094 1036 * GEICO Casualty Co. 711 1371 1034 707 782 610 782 734 * Hartford Casualty Insurance Co. 1219 2359 2315 1127 1340 1056 1199 1720 n/a = Carriers * Horace Mann Insurance Co. 716 821 943 723 738 626 763 716 that do not have * Horace Mann Property & Casualty Ins. Co. 1071 1234 1515 1084 1132 905 1218 1071 rates IDS Property Casualty Ins. Co. 746 1438 1288 800 1004 692 852 798 available based * LM General Insurance Co. 1348 2094 1705 1392 1375 1318 1259 1362 on the criteria * LM Insurance Corp. 1501 2327 1895 1540 1522 1458 1393 1507 in the Maryland Auto Insurance Fund 1999 3924 2569 1930 2305 1828 2372 2394 scenario, such Metropolitan Casualty Insurance Co. 1077 2165 1055 771 1083 763 874 676 as an at-fault Metropolitan Direct Property and Casualty 841 1404 1161 783 974 706 974 748 49

Scenario 8: Single Female, Age 50 21401 21218 21117 21157 21921 21701 21014 21044 Anne Baltimore Baltimore Arundel City County Carroll Cecil Frederick Harford Howard Greater Metropolitan Group Property and Casualty 900 1760 1340 734 858 724 792 870 Baltimore * Mid-Century Insurance Co. 1078 2421 1715 1111 1122 922 1201 1236 Suburban Mutual Benefit Insurance Co. 916 2172 1486 876 1104 1012 846 1107 area National General Assurance Co. 1169 2245 1548 1135 1167 944 1172 1207 * Nationwide Affinity Ins. Co. of America 907 1717 1338 841 848 790 953 971 * Occidental Fire & Casualty Co. of N.C. n/a n/a n/a n/a n/a n/a n/a n/a * Old Dominion Insurance Co. 796 1912 1264 798 748 638 872 892 Rates Paramount Insurance Co. n/a n/a n/a n/a n/a n/a n/a n/a Effective * Peninsula Insurance Co. 531 1785 931 455 553 459 563 567 as of * Penn National Insurance Co. 960 2401 1418 801 966 761 968 1010 2/1/2016 Pharmacists Mutual Insurance Co. 741 1718 1358 768 768 659 768 768 Privilege Underwriters Reciprocal Exch. 758 1035 898 831 950 430 831 1094 * Progressive Select Insurance Co. 1025 2024 1429 1067 1077 923 1069 1220 * Indicates * Progressive Specialty Insurance Co. 1178 2315 1710 1231 1265 1030 1270 1453 those companies * Response Insurance Co. 1909 3357 2713 1880 2003 1779 1995 2098 that consider * Selective Ins. Co. of South Carolina 917 1951 1268 871 1075 737 866 827 credit scores * State Automobile Mutual Insurance Co. 897 1077 1176 807 845 861 831 980 in determining * State Farm Fire & Casualty Co. 1776 2948 2359 1617 1893 1331 1742 1776 premiums. * State Farm Mutual Automobile Ins. Co. 1146 1918 1531 1052 1235 865 1134 1158 Refer to * Teachers Insurance Co. 1258 1455 1727 1203 1288 1025 1358 1258 "Notes to * Titan Indemnity Company 2148 3841 2535 2045 1876 1742 2179 2293 Rate Tables" Travelers Property Casualty Insurance Co. 958 1920 1452 988 1016 836 998 1042 United Farm Family Insurance Co. 1261 2580 2745 1248 1248 1048 1248 1248 * United Services Automobile Association 675 961 874 632 648 598 651 658 n/a = Carriers * Unitrin Auto & Home Insurance Co. 1002 2359 1297 977 1117 832 1072 1057 that do not have * USAA General Indemnity Co. 531 789 697 516 562 470 540 511 rates * USAA Property and Casualty Insurance Co. 632 888 820 591 652 562 614 618 available based * Victoria Fire & Casualty Company 2176 3899 2569 2071 1899 1765 2206 2325 on the criteria in the scenario, such as an at-fault 50

Scenario 9: Family Rate, No Youthful Drivers 21401 21218 21117 21157 21921 21701 21014 21044 Anne Baltimore Baltimore Arundel City County Carroll Cecil Frederick Harford Howard Greater 21st Century Centennial Insurance Co. 1642 3468 2630 1974 1985 1673 1683 1961 Baltimore * Agency Insurance Co. of MD, Inc. 1854 3383 2629 1864 1869 1577 1947 1998 Suburban * AIG Property Casualty Co. 1834 2621 2141 1997 2080 1109 1997 2066 area Allstate Indemnity Co. 2129 2970 2556 1977 2059 1853 2113 2203 * Amco Insurance Co. 1588 2949 2086 1438 1419 1237 1496 1739 * American States Preferred Insurance Co. 1412 2709 1998 1324 1523 1228 1404 1604 * Amica Mutual Insurance Co. 1561 3113 2024 1669 1669 1528 1669 1561 Rates Bankers Standard Insurance Co. 2769 3859 3105 2838 3480 1577 3110 2812 Effective Brethren Mutual Insurance Co. 2186 5208 3106 1694 1696 1694 1950 2186 as of * Chubb National Insurance Co. 1961 3108 2724 1879 2400 1740 2392 1973 2/1/2016 Cincinnati Insurance Co. 1608 2736 2166 1330 1617 1297 1435 1631 * CSAA General Insurance Co. 1046 2204 1752 924 1157 923 1133 1184 * Cumberland Insurance Co. Inc. 1460 3003 2340 1380 1380 1244 1380 1380 * Indicates * Dairyland Insurance Co. n/a n/a n/a n/a n/a n/a n/a n/a those companies Donegal Mutual Insurance Co. 3572 8609 4291 2276 2621 2276 3274 3787 that consider Elephant Insurance Co. 2835 6764 4408 2337 2648 2060 2763 3059 credit scores Encompass Home/Auto Insurance Co. 1379 2933 2015 1419 1578 1335 1418 1500 in determining * Erie Insurance Co. 2069 3244 2903 1790 2062 1629 2059 2042 premiums. * Erie Insurance Exchange 1412 2228 1987 1220 1410 1116 1415 1396 Refer to * Esurance Property and Casualty Ins. Co. 1974 3814 2898 2046 2050 1730 2152 2204 "Notes to * Foremost Insurance Co. 1356 2496 1931 1434 1408 1187 1490 1511 Rate Tables" * Garrison Property & Casualty Ins. Co. 1907 2952 2671 1901 1970 1732 1985 1873 * GEICO Casualty Co. 1195 2277 1716 1211 1314 1020 1314 1231 * Hartford Casualty Insurance Co. 2440 4858 4765 2202 2667 2043 2325 3471 n/a = Carriers * Horace Mann Insurance Co. 1208 1379 1561 1221 1248 1066 1278 1208 that do not have * Horace Mann Property & Casualty Ins. Co. 1786 2062 2475 1804 1903 1526 2022 1786 rates IDS Property Casualty Ins. Co. 1236 2348 2104 1332 1660 1142 1402 1320 available based * LM General Insurance Co. 1598 2548 2043 1656 1633 1566 1624 1712 on the criteria * LM Insurance Corp. 1778 2831 2272 1831 1807 1732 1797 1896 in the Maryland Auto Insurance Fund 4810 8879 6049 4674 5414 4470 5544 5590 scenario, such Metropolitan Casualty Insurance Co. 2213 4186 2091 1562 2204 1575 2273 2073 as an at-fault Metropolitan Direct Property and Casualty 1660 2719 2273 1565 1924 1401 1924 1476 51

Scenario 9: Family Rate, No Youthful Drivers 21401 21218 21117 21157 21921 21701 21014 21044 Anne Baltimore Baltimore Arundel City County Carroll Cecil Frederick Harford Howard Greater Metropolitan Group Property and Casualty 1774 3248 2602 1492 1738 1486 1584 1716 Baltimore * Mid-Century Insurance Co. 1742 3720 2654 1810 1808 1505 1992 1992 Suburban Mutual Benefit Insurance Co. 1504 3356 2337 1421 1765 1612 1362 1770 area National General Assurance Co. 1810 3370 2391 1786 1833 1504 1818 1874 * Nationwide Affinity Ins. Co. of America 1711 3120 2469 1601 1615 1510 1799 1822 * Occidental Fire & Casualty Co. of N.C. n/a n/a n/a n/a n/a n/a n/a n/a * Old Dominion Insurance Co. 852 2058 1364 850 804 684 930 950 Rates Paramount Insurance Co. n/a n/a n/a n/a n/a n/a n/a n/a Effective * Peninsula Insurance Co. 892 2890 1538 758 930 768 926 946 as of * Penn National Insurance Co. 1439 3523 2101 1208 1452 1150 1446 1507 2/1/2016 Pharmacists Mutual Insurance Co. 1262 2742 2144 1313 1313 1127 1313 1313 Privilege Underwriters Reciprocal Exch. 1418 1936 1670 1552 1791 797 1552 2069 * Progressive Select Insurance Co. 1638 3363 2335 1721 1748 1463 1711 1978 * Indicates * Progressive Specialty Insurance Co. 2098 4165 3065 2196 2270 1823 2256 2597 those companies * Response Insurance Co. 2619 4635 3730 2588 2732 2428 2733 2870 that consider * Selective Ins. Co. of South Carolina 1206 2429 1608 1155 1391 991 1146 1099 credit scores * State Automobile Mutual Insurance Co. 1468 1775 1964 1342 1407 1096 1383 1603 in determining * State Farm Fire & Casualty Co. 2753 4497 3627 2498 2919 2076 2679 2739 premiums. * State Farm Mutual Automobile Ins. Co. 1778 2930 2356 1629 1909 1351 1747 1788 Refer to * Teachers Insurance Co. 2073 2417 2805 1988 2149 1716 2238 2073 "Notes to * Titan Indemnity Company 1993 3329 2299 1902 1757 1648 2001 2092 Rate Tables" Travelers Property Casualty Insurance Co. 1535 3101 2323 1590 1629 1332 1594 1682 United Farm Family Insurance Co. 2378 4993 5347 2338 2338 1999 2338 2338 * United Services Automobile Association 1351 1900 1732 1264 1308 1202 1306 1313 n/a = Carriers * Unitrin Auto & Home Insurance Co. 1296 2989 1669 1252 1463 1098 1390 1359 that do not have * USAA General Indemnity Co. 1014 1481 1315 996 1068 905 1029 977 rates * USAA Property and Casualty Insurance Co. 1316 1826 1695 1231 1365 1175 1283 1282 available based * Victoria Fire & Casualty Company 2017 3376 2327 1923 1777 1667 2023 2119 on the criteria in the scenario, such as an at-fault 52

Scenario 10: Family Rate, No Youthful Drivers 21401 21218 21117 21157 21921 21701 21014 21044 Anne Baltimore Baltimore Arundel City County Carroll Cecil Frederick Harford Howard Greater 21st Century Centennial Insurance Co. 1620 3486 2625 1962 1993 1671 1702 2006 Baltimore * Agency Insurance Co. of MD, Inc. 2277 4082 3184 2303 2298 1944 2394 2453 Suburban * AIG Property Casualty Co. 1815 2544 2101 1971 2020 1095 1971 2052 area Allstate Indemnity Co. 1724 2393 2067 1609 1673 1506 1715 1787 * Amco Insurance Co. 1534 2801 1994 1392 1376 1204 1445 1675 * American States Preferred Insurance Co. 1406 2716 1978 1308 1505 1207 1400 1595 * Amica Mutual Insurance Co. 1396 2819 1822 1490 1490 1351 1490 1395 Rates Atlantic States Insurance Co. 1503 3489 1774 1000 1131 1000 1385 1589 Effective Bankers Standard Insurance Co. 2283 3185 2580 2344 2836 1281 2556 2343 as of Brethren Mutual Insurance Co. 1458 3646 2126 1106 1132 1106 1320 1458 2/1/2016 * Chubb National Insurance Co. 2032 3259 2861 1954 2504 1792 2498 2057 Cincinnati Insurance Co. 1447 2447 1948 1196 1440 1163 1286 1470 * CSAA General Insurance Co. 1013 2157 1709 895 1125 885 1094 1151 * Indicates * Cumberland Insurance Co. Inc. 1333 2796 2182 1258 1258 1129 1258 1258 those companies * Dairyland Insurance Co. n/a n/a n/a n/a n/a n/a n/a n/a that consider Elephant Insurance Co. 2373 5640 3680 1959 2218 1731 2313 2559 credit scores Encompass Home/Auto Insurance Co. 1449 3105 2132 1499 1677 1403 1484 1583 in determining * Erie Insurance Co. 1580 2461 2209 1368 1573 1251 1571 1563 premiums. * Erie Insurance Exchange 1104 1724 1544 955 1106 873 1103 1088 Refer to * Esurance Property and Casualty Ins. Co. 2076 3910 3006 2162 2160 1828 2260 2312 "Notes to * Foremost Insurance Co. 3089 5963 4542 3242 3228 2688 3396 3455 Rate Tables" * Garrison Property & Casualty Ins. Co. 2028 3113 2814 2009 2094 1834 2104 1990 * GEICO Casualty Co. 1205 2266 1718 1222 1325 1032 1325 1246 * Hartford Casualty Insurance Co. 2722 5274 5173 2500 3046 2341 2635 3857 n/a = Carriers * Horace Mann Insurance Co. 1250 1429 1625 1268 1296 1099 1328 1250 that do not have * Horace Mann Property & Casualty Ins. Co. 1855 2138 2590 1887 1976 1577 2102 1855 rates IDS Property Casualty Ins. Co. 1294 2446 2208 1384 1720 1196 1472 1386 available based * LM General Insurance Co. 1772 2854 2280 1840 1813 1688 1654 1808 on the criteria * LM Insurance Corp. 1970 3169 2536 2035 2003 1867 1828 1998 in the Maryland Auto Insurance Fund 4807 9029 6094 4664 5460 4445 5603 5650 scenario, such Metropolitan Casualty Insurance Co. 2289 4364 2172 1622 2277 1624 2481 2313 as an at-fault Metropolitan Direct Property and Casualty 1721 2810 2342 1616 1999 1436 1999 1515 53

Scenario 10: Family Rate, No Youthful Drivers 21401 21218 21117 21157 21921 21701 21014 21044 Anne Baltimore Baltimore Arundel City County Carroll Cecil Frederick Harford Howard Greater Metropolitan Group Property and Casualty 1938 3574 2858 1632 1884 1622 1730 1876 Baltimore * Mid-Century Insurance Co. 1905 3873 2834 1988 1964 1653 2154 2154 Suburban Mutual Benefit Insurance Co. 1763 4110 2818 1687 2109 1939 1619 2103 area National General Assurance Co. 1688 3222 2267 1668 1712 1394 1690 1753 * Nationwide Affinity Ins. Co. of America 1762 3197 2531 1642 1658 1546 1842 1874 * Occidental Fire & Casualty Co. of N.C. n/a n/a n/a n/a n/a n/a n/a n/a * Old Dominion Insurance Co. 878 2200 1422 878 826 696 956 986 Rates Paramount Insurance Co. n/a n/a n/a n/a n/a n/a n/a n/a Effective * Peninsula Insurance Co. 822 2720 1434 708 850 712 864 868 as of * Penn National Insurance Co. 1608 3927 2328 1344 1623 1277 1618 1689 2/1/2016 Pharmacists Mutual Insurance Co. 1130 2502 1966 1173 1173 1001 1173 1173 Privilege Underwriters Reciprocal Exch. 1243 1699 1468 1361 1559 707 1361 1799 * Progressive Select Insurance Co. 1628 3174 2255 1700 1718 1461 1695 1955 * Indicates * Progressive Specialty Insurance Co. 2116 4032 2986 2223 2291 1853 2285 2589 those companies * Response Insurance Co. 2958 5248 4226 2922 3092 2751 3092 3254 that consider * Selective Ins. Co. of South Carolina 1460 2979 1957 1396 1687 1193 1383 1327 credit scores * State Automobile Mutual Insurance Co. 1356 1620 1796 1229 1291 1012 1265 1472 in determining * State Farm Fire & Casualty Co. 2642 4342 3490 2387 2791 1977 2568 2621 premiums. * State Farm Mutual Automobile Ins. Co. 1702 2823 2262 1553 1820 1283 1671 1707 Refer to * Teachers Insurance Co. 2162 2505 2933 2081 2232 1772 2325 2162 "Notes to * Titan Indemnity Company 2288 3861 2622 2165 1988 1866 2287 2400 Rate Tables" Travelers Property Casualty Insurance Co. 1613 3272 2458 1671 1712 1407 1685 1771 United Farm Family Insurance Co. 2359 4989 5323 2323 2323 1976 2323 2323 * United Services Automobile Association 1162 1610 1468 1083 1126 1034 1120 1125 n/a = Carriers * Unitrin Auto & Home Insurance Co. 1459 3496 1886 1406 1641 1221 1567 1539 that do not have * USAA General Indemnity Co. 1220 1799 1588 1194 1281 1082 1234 1175 rates * USAA Property and Casualty Insurance Co. 1125 1538 1425 1049 1159 1005 1096 1092 available based * Victoria Fire & Casualty Company 2316 3917 2656 2191 2012 1889 2314 2431 on the criteria in the scenario, such as an at-fault 54

Scenario 11: Family Rate, No Youthful Drivers 21401 21218 21117 21157 21921 21701 21014 21044 Anne Baltimore Baltimore Arundel City County Carroll Cecil Frederick Harford Howard Greater 21st Century Centennial Insurance Co. 2462 5431 4102 2972 3046 2525 2616 3078 Baltimore * Agency Insurance Co. of MD, Inc. 3129 5256 4235 3199 3150 2697 3276 3333 Suburban * AIG Property Casualty Co. 1631 2268 1882 1754 1931 947 1754 1782 area Allstate Indemnity Co. 2554 3199 2971 2370 2459 2313 2525 2650 * Amco Insurance Co. 2297 4492 3079 2059 2024 1720 2149 2564 * American States Preferred Insurance Co. 2603 5167 3774 2428 2835 2251 2566 2982 * Amica Mutual Insurance Co. 1699 3403 2260 1806 1806 1657 1806 1698 Rates Bankers Standard Insurance Co. 2902 4020 3176 2958 3742 1719 3284 2846 Effective Brethren Mutual Insurance Co. 2190 4882 3132 1828 1712 1828 1906 2190 as of * Chubb National Insurance Co. 2546 4232 3660 2428 3226 2243 3182 2596 2/1/2016 Cincinnati Insurance Co. 1711 2871 2324 1447 1771 1405 1565 1741 * CSAA General Insurance Co. 2574 5376 4159 2324 2863 2317 2808 2880 * Cumberland Insurance Co. Inc. 1919 3715 2792 1821 1821 1628 1821 1821 * Indicates * Dairyland Insurance Co. 5936 11388 8778 4982 5714 4466 6426 6636 those companies Donegal Mutual Insurance Co. 3857 8666 4463 2453 2766 2453 3470 4098 that consider Elephant Insurance Co. 3248 7697 5027 2685 3041 2378 3167 3503 credit scores Encompass Home/Auto Insurance Co. 3055 7332 5167 3217 3695 2933 3210 3468 in determining Erie Insurance Co. 2929 4537 4089 2566 2931 2366 2910 2910 premiums. Erie Insurance Exchange 1612 2494 2252 1425 1633 1314 1610 1603 Refer to * Esurance Property and Casualty Ins. Co. 4226 7870 6082 4430 4396 3712 4608 4712 "Notes to * Foremost Insurance Co. 5577 10558 8177 5860 5823 4844 6115 6203 Rate Tables" * Garrison Property & Casualty Ins. Co. 2138 3252 2955 2141 2233 1972 2241 2091 * GEICO Casualty Co. 1464 2639 2009 1503 1588 1246 1588 1498 * Hartford Casualty Insurance Co. 5213 10624 10416 5087 6201 4796 5524 7948 n/a = Carriers * Horace Mann Insurance Co. 1338 1556 1748 1356 1410 1192 1440 1338 that do not have * Horace Mann Property & Casualty Ins. Co. 2052 2419 2852 2069 2244 1779 2381 2052 rates IDS Property Casualty Ins. Co. 1380 2530 2234 1466 1726 1292 1524 1466 available based * LM General Insurance Co. 2192 3530 2805 2259 2223 2066 2049 2233 on the criteria * LM Insurance Corp. 2440 3920 3120 2499 2459 2285 2266 2470 in the Maryland Auto Insurance Fund 3718 6828 4685 3620 4171 3466 4269 4296 scenario, such Metropolitan Casualty Insurance Co. 3454 6453 3285 2433 3454 2447 3593 3298 as an at-fault Metropolitan Direct Property and Casualty 2130 3467 2927 2033 2504 1777 2504 1915 55

Scenario 11: Family Rate, No Youthful Drivers 21401 21218 21117 21157 21921 21701 21014 21044 Anne Baltimore Baltimore Arundel City County Carroll Cecil Frederick Harford Howard Greater Metropolitan Group Property and Casualty 2600 4722 3768 2162 2512 2136 2300 2486 Baltimore Mid-Century Insurance Co. 3760 7993 5805 3900 3913 3241 4266 4266 Suburban Mutual Benefit Insurance Co. 1636 3458 2449 1526 1852 1698 1460 1871 area National General Assurance Co. 3773 6283 4683 3800 3870 3330 3792 3938 * Nationwide Affinity Ins. Co. of America 2180 4091 3172 2055 2066 1919 2308 2334 * Occidental Fire & Casualty Co. of N.C. 3406 7640 4552 3329 3537 3142 3537 3537 * Old Dominion Insurance Co. 2400 5394 3682 2432 2226 1940 2580 2628 Rates Paramount Insurance Co. 4545 8067 5438 4449 4552 4111 5245 5529 Effective * Peninsula Insurance Co. 2600 8524 4688 2068 2758 2124 2758 2856 as of * Penn National Insurance Co. 2592 5854 3463 2142 2614 2031 2593 2729 2/1/2016 Pharmacists Mutual Insurance Co. 1582 3303 2560 1642 1642 1400 1642 1642 Privilege Underwriters Reciprocal Exch. 1534 2088 1807 1677 1949 843 1677 2241 * Progressive Select Insurance Co. 2518 4691 3446 2654 2678 2284 2616 3028 * Indicates * Progressive Specialty Insurance Co. 3094 5673 4312 3285 3345 2711 3328 3750 those companies * Response Insurance Co. 4966 8491 6969 4930 5192 4667 5161 5396 that consider * Selective Ins. Co. of South Carolina 1605 3563 2263 1521 1907 1259 1511 1436 credit scores * State Automobile Mutual Insurance Co. 3247 4002 4518 3084 3278 2449 3203 3569 in determining * State Farm Fire & Casualty Co. 3088 5349 4205 2947 3486 2422 3166 3249 premiums. * State Farm Mutual Automobile Ins. Co. 2037 3529 2774 1949 2307 1604 2091 2148 Refer to * Teachers Insurance Co. 2407 2859 3260 2299 2554 2024 2661 2407 "Notes to * Titan Indemnity Company 2563 4225 3101 2511 2323 2177 2604 2706 Rate Tables" Travelers Property Casualty Insurance Co. 2752 5420 4146 2828 2924 2388 2886 3030 United Farm Family Insurance Co. 2318 4759 5150 2273 2273 1940 2273 2273 * United Services Automobile Association 1898 2657 2418 1770 1848 1695 1834 1832 n/a = Carriers * Unitrin Auto & Home Insurance Co. 2289 5043 3022 2244 2496 1897 2415 2458 that do not have * USAA General Indemnity Co. 1766 2578 2290 1777 1854 1592 1792 1706 rates * USAA Property and Casualty Insurance Co. 1977 2712 2519 1844 2051 1772 1924 1908 available based * Victoria Fire & Casualty Company 2591 4277 3135 2538 2347 2200 2632 2737 on the criteria in the scenario, such as an at-fault 56

Scenario 12: Family Rate with Youthful Driver 21401 21218 21117 21157 21921 21701 21014 21044 Anne Baltimore Baltimore Arundel City County Carroll Cecil Frederick Harford Howard Greater 21st Century Centennial Insurance Co. 6357 14508 10975 7553 7958 6166 6702 7770 Baltimore * Agency Insurance Co. of MD, Inc. 7698 13214 10557 7831 7716 6577 8075 8211 Suburban * AIG Property Casualty Co. 6958 9518 8037 7522 7961 3978 7522 7757 area Allstate Indemnity Co. 9237 12151 11270 8512 8861 8124 9123 9723 * Amco Insurance Co. 4719 9542 6439 4199 4107 3421 4357 5306 * American States Preferred Insurance Co. 10508 20774 14940 9588 11370 8896 10361 12101 * Amica Mutual Insurance Co. 8301 16613 10962 8890 8890 8144 8890 8293 Rates Bankers Standard Insurance Co. 10295 14356 11264 10546 13398 6127 11693 10088 Effective Brethren Mutual Insurance Co. 3680 8078 5166 3062 2968 3062 3442 3680 as of * Chubb National Insurance Co. 9973 17331 14957 9582 13018 8672 12859 10409 2/1/2016 Cincinnati Insurance Co. 3858 6570 5254 3225 3983 3144 3531 3925 * CSAA General Insurance Co. 5192 10946 8495 4629 5783 4592 5633 5820 * Cumberland Insurance Co. Inc. n/a n/a n/a n/a n/a n/a n/a n/a * Indicates * Dairyland Insurance Co. 17982 33364 26380 14596 16588 13080 19090 20172 those companies Donegal Mutual Insurance Co. 13629 32052 16097 8518 9655 8518 12267 14469 that consider Elephant Insurance Co. 8637 20753 13488 7101 8057 6226 8416 9327 credit scores Encompass Home/Auto Insurance Co. 5184 12578 9009 5396 6418 4895 5374 5913 in determining * Erie Insurance Co. 8429 12945 11759 7408 8458 6803 8363 8370 premiums. * Erie Insurance Exchange 5007 7654 6969 4419 5052 4082 4977 4972 Refer to * Esurance Property and Casualty Ins. Co. 10462 19602 15056 11006 10896 9144 11500 11768 "Notes to * Foremost Insurance Co. 17669 34967 26408 18511 18556 15276 19597 19874 Rate Tables" * Garrison Property & Casualty Ins. Co. 5015 7842 7120 5037 5234 4601 5268 4912 * GEICO Casualty Co. 4556 8370 6368 4595 4918 3779 4918 4588 * Hartford Casualty Insurance Co. 8623 17500 17154 8110 10146 7572 8511 12910 n/a = Carriers * Horace Mann Insurance Co. 4988 5854 6746 5125 5056 4150 5172 4739 that do not have * Horace Mann Property & Casualty Ins. Co. 7788 9170 11210 8006 8124 6290 8643 7394 rates IDS Property Casualty Ins. Co. 5542 10108 9054 5792 6844 5146 6212 5902 available based * LM General Insurance Co. 10035 17217 13329 10632 10390 9212 9493 10363 on the criteria * LM Insurance Corp. 11159 19122 14825 11760 11491 10189 10499 11461 in the Maryland Auto Insurance Fund 9680 17441 12314 9471 11009 9007 11327 11362 scenario, such Metropolitan Casualty Insurance Co. 10829 20399 10262 7543 10748 7634 12266 11701 as an at-fault Metropolitan Direct Property and Casualty 6560 10704 8940 6311 7721 5471 7721 5897 57

Scenario 12: Family Rate with Youthful Driver 21401 21218 21117 21157 21921 21701 21014 21044 Anne Baltimore Baltimore Arundel City County Carroll Cecil Frederick Harford Howard Greater Metropolitan Group Property and Casualty 8906 16064 12914 7404 8640 7372 7906 8564 Baltimore * Mid-Century Insurance Co. 7456 14676 10929 7824 7762 6487 8409 8409 Suburban Mutual Benefit Insurance Co. 4167 8882 6271 3883 4690 4314 3728 4747 area National General Assurance Co. 6252 12436 8208 5974 6148 4881 6225 6425 * Nationwide Affinity Ins. Co. of America 4774 9439 7213 4458 4472 4142 5100 5123 * Occidental Fire & Casualty Co. of N.C. n/a n/a n/a n/a n/a n/a n/a n/a * Old Dominion Insurance Co. 6074 13732 9250 6072 5546 4796 6492 6622 Rates Paramount Insurance Co. n/a n/a n/a n/a n/a n/a n/a n/a Effective * Peninsula Insurance Co. 6240 20728 11442 4950 6636 5068 6618 6816 as of * Penn National Insurance Co. 6420 14969 8547 5224 6485 4941 6467 6811 2/1/2016 Pharmacists Mutual Insurance Co. 3880 8072 6226 4044 4044 3480 4044 4044 Privilege Underwriters Reciprocal Exch. 3212 4278 3697 3471 4221 1695 3471 4719 * Progressive Select Insurance Co. 5786 11243 8121 6070 6121 5138 6017 6976 * Indicates * Progressive Specialty Insurance Co. 7895 14726 11133 8407 8579 6889 8549 9591 those companies * Response Insurance Co. 10539 18725 15193 10371 11152 9867 11049 11656 that consider * Selective Ins. Co. of South Carolina 3561 7667 4912 3387 4178 2822 3349 3198 credit scores * State Automobile Mutual Insurance Co. 8627 10928 12105 8267 8744 6519 8538 9698 in determining * State Farm Fire & Casualty Co. 8691 14168 11190 8262 9765 6686 8936 9117 premiums. * State Farm Mutual Automobile Ins. Co. 4849 7908 6239 4623 5469 3738 5003 5105 Refer to * Teachers Insurance Co. 9241 10831 12727 8879 9313 7171 9633 8772 "Notes to * Titan Indemnity Company 4948 8382 5826 4712 4293 3991 4981 5176 Rate Tables" Travelers Property Casualty Insurance Co. 9268 19156 14325 9602 9818 7929 9746 10277 United Farm Family Insurance Co. 4391 8266 8990 4296 4296 3678 4296 4296 * United Services Automobile Association 3426 4911 4463 3193 3333 3038 3316 3316 n/a = Carriers * Unitrin Auto & Home Insurance Co. 6856 16047 9161 6840 7463 5635 7300 7510 that do not have * USAA General Indemnity Co. 2655 3966 3512 2647 2809 2369 2702 2555 rates * USAA Property and Casualty Insurance Co. 3559 4988 4631 3317 3704 3169 3466 3445 available based * Victoria Fire & Casualty Company 5007 8494 5896 4767 4342 4038 5038 5239 on the criteria in the scenario, such as an at-fault 58

Scenario 1: Young Single Male, Age 23 21629 21613 21620 21617 21853 21601 21804 21811 Caroline Dorchester Kent Queen Anne's Somerset Talbot Wicomico Worcester Eastern 21st Century Centennial Insurance Co. 3167 3159 3167 3167 3159 3167 2938 3159 Shore * Agency Insurance Co. of MD, Inc. 2015 2015 2015 2015 2015 2015 2109 2015 (w/o Cecil) * AIG Property Casualty Co. 1578 1578 1578 1578 1578 1578 1578 1815 Allstate Indemnity Co. 1753 1725 1821 1667 1753 1625 1625 1667 * Amco Insurance Co. 2015 2015 2129 2129 2052 2015 2050 2009 * American States Preferred Insurance Co. 2413 2413 2413 2413 2510 2413 2505 2369 * Amica Mutual Insurance Co. 2211 2211 2211 2211 2211 2211 2211 2211 Rates Bankers Standard Insurance Co. 3147 3147 3147 3171 3171 3159 3171 3574 Effective Brethren Mutual Insurance Co. 2242 2242 2242 2242 2242 2242 2242 2242 as of * Chubb National Insurance Co. 2336 2336 2336 2336 2499 2336 2464 2358 2/1/2016 Cincinnati Insurance Co. 1585 1595 1533 1602 1582 1545 1549 1507 * CSAA General Insurance Co. 2717 2736 2588 2605 2843 2340 2381 2477 * Cumberland Insurance Co. Inc. 1693 1693 1693 1693 1693 1693 1693 1693 * Indicates * Dairyland Insurance Co. 4916 4916 4926 4926 4916 4926 5272 5272 those companies Donegal Mutual Insurance Co. 2598 2598 2598 2598 2598 2598 2598 2598 that consider Elephant Insurance Co. 2063 2067 2063 2063 2067 2063 2139 2067 credit scores Encompass Home/Auto Insurance Co. 2744 2744 2744 2744 2744 2744 2744 2744 in determining Erie Insurance Co. 2639 2639 2639 2639 2639 2639 2639 2639 premiums. Erie Insurance Exchange 1648 1648 1648 1648 1648 1648 1648 1648 Refer to * Esurance Property and Casualty Ins. Co. 3606 3606 3606 3606 3606 3606 3790 3606 "Notes to * Foremost Insurance Co. 4510 4510 4510 4510 4510 4510 4859 4510 Rate Tables" * Garrison Property & Casualty Ins. Co. 2087 1911 2039 1911 2231 2046 2179 2106 * GEICO Casualty Co. 861 915 861 861 915 861 915 915 * Hartford Casualty Insurance Co. 3071 3285 2949 3355 3424 2956 3404 4138 n/a = Carriers * Horace Mann Insurance Co. 857 857 857 857 857 857 857 857 that do not have * Horace Mann Property & Casualty Ins. Co. 1564 1564 1564 1564 1564 1564 1564 1564 rates IDS Property Casualty Ins. Co. 1186 1296 1162 1218 1352 1130 1312 1174 available based * LM General Insurance Co. 2274 2163 2510 2554 2155 2161 2437 1933 on the criteria * LM Insurance Corp. 2514 2393 2775 2813 2372 2380 2682 2128 in the Maryland Auto Insurance Fund 2016 2016 2016 2016 2016 2016 2082 2016 scenario, such Metropolitan Casualty Insurance Co. 2479 2479 2479 2479 2479 2479 2479 2479 as an at-fault Metropolitan Direct Property and Casualty 1434 1434 1434 1434 1434 1434 1434 1434 59

Scenario 1: Young Single Male, Age 23 21629 21613 21620 21617 21853 21601 21804 21811 Queen Caroline Dorchester Kent Anne's Somerset Talbot Wicomico Worcester Eastern Metropolitan Group Property and Casualty 2036 2036 2036 2036 2036 2036 2036 2036 Shore Mid-Century Insurance Co. 2108 2108 2108 2108 2108 2108 2251 2108 (w/o Cecil) Mutual Benefit Insurance Co. 2236 2217 2879 2174 2224 2174 2479 2369 National General Assurance Co. 3716 3716 3716 3716 3716 3716 3895 3716 * Nationwide Affinity Ins. Co. of America 1458 1461 1609 1609 1505 1458 1450 1387 * Occidental Fire & Casualty Co. of N.C. 2696 2696 2696 2696 2696 2696 2696 2696 * Old Dominion Insurance Co. 2796 2928 2796 2666 2796 2796 2946 2850 Rates Paramount Insurance Co. 4898 4898 4898 4898 4898 4898 4898 4898 Effective * Peninsula Insurance Co. 2089 2119 2089 2089 2681 2089 2423 2377 as of * Penn National Insurance Co. 2091 2112 2091 2091 2113 2021 2121 2147 2/1/2016 Pharmacists Mutual Insurance Co. 1516 1516 1516 1516 1516 1516 1516 1516 Privilege Underwriters Reciprocal Exch. 1549 1549 1549 1549 1549 1549 1549 1724 * Progressive Select Insurance Co. 1964 1884 1901 1964 1963 1844 1912 1911 * Indicates * Progressive Specialty Insurance Co. 1905 2015 1937 1905 1976 1872 1893 1870 those companies * Response Insurance Co. 3688 3462 3462 3632 3462 3788 3776 3692 that consider * Selective Ins. Co. of South Carolina 2286 1824 1939 1915 1682 1742 1844 1987 credit scores * State Automobile Mutual Insurance Co. 2414 2467 2414 2325 2787 2297 2853 2325 in determining * State Farm Fire & Casualty Co. 2594 2649 2403 2558 2744 2388 2686 2530 premiums. * State Farm Mutual Automobile Ins. Co. 1722 1756 1597 1699 1819 1585 1778 1677 Refer to * Teachers Insurance Co. 1813 1813 1813 1813 1813 1813 1813 1813 "Notes to * Titan Indemnity Company 2782 2661 2837 2837 2411 2641 2463 2646 Rate Tables" Travelers Property Casualty Insurance Co. 2250 2460 2314 2342 2414 2094 2394 2206 United Farm Family Insurance Co. 1746 1746 1746 1746 1746 1746 1746 1746 * United Services Automobile Association 1127 1271 1207 1127 1306 1212 1277 1231 n/a = Carriers * Unitrin Auto & Home Insurance Co. 2225 2222 2213 2222 2342 2222 2226 2226 that do not have * USAA General Indemnity Co. 1739 1739 1739 1808 1850 1802 1807 1850 rates * USAA Property and Casualty Insurance Co. 1297 1335 1185 1185 1337 1275 1342 1292 available based * Victoria Fire & Casualty Company 2813 2690 2868 2868 2438 2670 2490 2675 on the criteria in the scenario, such as an at-fault 60

Scenario 2: Young Single Female, Age 23 21629 21613 21620 21617 21853 21601 21804 21811 Queen Caroline Dorchester Kent Anne's Somerset Talbot Wicomico Worcester Eastern 21st Century Centennial Insurance Co. 3323 3302 3323 3323 3302 3323 3064 3302 Shore * Agency Insurance Co. of MD, Inc. 2306 2306 2306 2306 2306 2306 2462 2306 (w/o Cecil) * AIG Property Casualty Co. 1922 1922 1922 1922 1922 1922 1922 2229 Allstate Indemnity Co. 1774 1745 1854 1687 1774 1644 1644 1687 * Amco Insurance Co. 2199 2194 2348 2348 2231 2199 2239 2189 * American States Preferred Insurance Co. 3738 3738 3738 3738 3933 3738 3909 3651 * Amica Mutual Insurance Co. 2120 2120 2120 2120 2120 2120 2120 2120 Rates Bankers Standard Insurance Co. 2503 2503 2503 2525 2525 2515 2525 2846 Effective Brethren Mutual Insurance Co. 2000 2000 2000 2000 2000 2000 2000 2000 as of * Chubb National Insurance Co. 2475 2475 2475 2475 2650 2475 2611 2495 2/1/2016 Cincinnati Insurance Co. 1623 1633 1568 1638 1620 1579 1586 1542 * CSAA General Insurance Co. 2959 3002 2850 2826 3066 2580 2599 2675 * Cumberland Insurance Co. Inc. 2243 2243 2243 2243 2243 2243 2243 2243 * Indicates * Dairyland Insurance Co. 4702 4702 4704 4704 4702 4704 5090 5090 those companies Donegal Mutual Insurance Co. 2277 2277 2277 2277 2277 2277 2277 2277 that consider Elephant Insurance Co. 3009 3021 3009 3009 3021 3009 3137 3021 credit scores Encompass Home/Auto Insurance Co. 3277 3277 3277 3277 3277 3277 3277 3277 in determining Erie Insurance Co. 2426 2426 2426 2426 2426 2426 2426 2426 premiums. Erie Insurance Exchange 1446 1446 1446 1446 1446 1446 1446 1446 Refer to * Esurance Property and Casualty Ins. Co. 3358 3358 3358 3358 3358 3358 3596 3358 "Notes to * Foremost Insurance Co. 3421 3421 3421 3421 3421 3421 3674 3421 Rate Tables" * Garrison Property & Casualty Ins. Co. 2045 1880 2001 1880 2220 2021 2179 2119 * GEICO Casualty Co. 1034 1107 1034 1034 1107 1034 1107 1107 * Hartford Casualty Insurance Co. 3466 3672 3342 3859 3859 3369 3868 4626 n/a = Carriers * Horace Mann Insurance Co. 901 901 901 901 901 901 901 901 that do not have * Horace Mann Property & Casualty Ins. Co. 1646 1646 1646 1646 1646 1646 1646 1646 rates IDS Property Casualty Ins. Co. 1770 1944 1726 1806 2026 1682 1970 1760 available based * LM General Insurance Co. 2676 2531 2955 3009 2548 2567 2905 2252 on the criteria * LM Insurance Corp. 2961 2800 3267 3312 2806 2825 3201 2480 in the Maryland Auto Insurance Fund 1488 1488 1488 1488 1488 1488 1535 1488 scenario, such Metropolitan Casualty Insurance Co. 2865 2865 2865 2865 2865 2865 2865 2865 as an at-fault Metropolitan Direct Property and Casualty 1684 1684 1684 1684 1684 1684 1684 1684 61

Scenario 2: Young Single Female, Age 23 21629 21613 21620 21617 21853 21601 21804 21811 Queen Caroline Dorchester Kent Anne's Somerset Talbot Wicomico Worcester Eastern Metropolitan Group Property and Casualty 2248 2248 2248 2248 2248 2248 2248 2248 Shore Mid-Century Insurance Co. 2284 2284 2284 2284 2284 2284 2432 2284 (w/o Cecil) Mutual Benefit Insurance Co. 2530 2505 3274 2471 2526 2471 2835 2713 National General Assurance Co. 3188 3188 3188 3188 3188 3188 3419 3188 * Nationwide Affinity Ins. Co. of America 1383 1392 1543 1543 1426 1383 1389 1320 * Occidental Fire & Casualty Co. of N.C. 2231 2231 2231 2231 2231 2231 2231 2231 * Old Dominion Insurance Co. 3908 4092 3908 3724 3908 3908 4186 3976 Rates Paramount Insurance Co. 3915 3915 3915 3915 3915 3915 3915 3915 Effective * Peninsula Insurance Co. 1959 1983 1959 1959 2501 1959 2263 2219 as of * Penn National Insurance Co. 2599 2624 2603 2603 2629 2516 2642 2675 2/1/2016 Pharmacists Mutual Insurance Co. 1637 1637 1637 1637 1637 1637 1637 1637 Privilege Underwriters Reciprocal Exch. 1657 1657 1657 1657 1657 1657 1657 1850 * Progressive Select Insurance Co. 2181 2158 2130 2181 2201 2115 2208 2192 * Indicates * Progressive Specialty Insurance Co. 2208 2420 2279 2208 2311 2267 2339 2257 those companies * Response Insurance Co. 3889 3639 3639 3828 3639 4000 3988 3894 that consider * Selective Ins. Co. of South Carolina 3170 2467 2662 2636 2308 2410 2557 2742 credit scores * State Automobile Mutual Insurance Co. 3465 3569 3465 3320 3962 3320 4132 3354 in determining * State Farm Fire & Casualty Co. 2792 2851 2587 2752 2945 2572 2896 2720 premiums. * State Farm Mutual Automobile Ins. Co. 1625 1660 1505 1602 1715 1497 1686 1583 Refer to * Teachers Insurance Co. 1910 1910 1910 1910 1910 1910 1910 1910 "Notes to * Titan Indemnity Company 2934 2779 3005 3005 2545 2757 2612 2757 Rate Tables" Travelers Property Casualty Insurance Co. 2520 2782 2590 2632 2708 2350 2662 2458 United Farm Family Insurance Co. 1843 1843 1843 1843 1843 1843 1843 1843 * United Services Automobile Association 1053 1185 1124 1053 1233 1136 1212 1175 n/a = Carriers * Unitrin Auto & Home Insurance Co. 2286 2284 2276 2284 2416 2284 2295 2295 that do not have * USAA General Indemnity Co. 1679 1679 1679 1756 1817 1749 1764 1817 rates * USAA Property and Casualty Insurance Co. 1208 1247 1109 1109 1264 1197 1275 1235 available based * Victoria Fire & Casualty Company 2967 2809 3038 3038 2574 2787 2641 2788 on the criteria in the scenario, such as an at-fault 62

Scenario 3: Young Single Male, Age 30 21629 21613 21620 21617 21853 21601 21804 21811 Queen Caroline Dorchester Kent Anne's Somerset Talbot Wicomico Worcester Eastern 21st Century Centennial Insurance Co. 1930 1935 1930 1930 1935 1930 1725 1935 Shore * Agency Insurance Co. of MD, Inc. 1231 1231 1231 1231 1231 1231 1299 1231 (w/o Cecil) * AIG Property Casualty Co. 1225 1225 1225 1225 1225 1225 1225 1404 Allstate Indemnity Co. 1056 1041 1094 1011 1056 989 989 1011 * Amco Insurance Co. 777 773 811 811 738 777 783 773 * American States Preferred Insurance Co. 1396 1396 1396 1396 1465 1396 1448 1367 * Amica Mutual Insurance Co. 869 869 869 869 869 869 869 869 Rates Atlantic States Insurance Co. 1056 1056 1056 1056 1056 1056 1056 1056 Effective Bankers Standard Insurance Co. 1702 1702 1702 1706 1706 1702 1706 1921 as of Brethren Mutual Insurance Co. 952 952 952 952 952 952 952 952 2/1/2016 * Chubb National Insurance Co. 1526 1526 1526 1526 1610 1526 1599 1541 Cincinnati Insurance Co. 854 860 829 863 853 834 835 814 * CSAA General Insurance Co. 1102 1103 1046 1047 1179 975 969 1002 * Indicates * Cumberland Insurance Co. Inc. 726 726 726 726 726 726 726 726 those companies * Dairyland Insurance Co. 3488 3488 3496 3496 3488 3496 3810 3810 that consider Elephant Insurance Co. 1528 1531 1528 1528 1531 1528 1584 1531 credit scores Encompass Home/Auto Insurance Co. 1084 1084 1084 1084 1084 1084 1084 1084 in determining Erie Insurance Co. 1441 1441 1441 1441 1441 1441 1441 1441 premiums. Erie Insurance Exchange 908 908 908 908 908 908 908 908 Refer to * Esurance Property and Casualty Ins. Co. 1918 1918 1918 1918 1918 1918 2020 1918 "Notes to * Foremost Insurance Co. 1610 1610 1610 1610 1610 1610 1726 1610 Rate Tables" * Garrison Property & Casualty Ins. Co. 1240 1140 1214 1140 1356 1224 1332 1299 * GEICO Casualty Co. 727 772 727 727 772 727 772 772 * Hartford Casualty Insurance Co. 2432 2608 2376 2564 2647 2357 2645 3095 n/a = Carriers * Horace Mann Insurance Co. 691 691 691 691 691 691 691 691 that do not have * Horace Mann Property & Casualty Ins. Co. 1217 1217 1217 1217 1217 1217 1217 1217 rates IDS Property Casualty Ins. Co. 864 938 840 872 982 810 948 844 available based * LM General Insurance Co. 1071 1033 1155 1170 1080 1029 1163 945 on the criteria * LM Insurance Corp. 1186 1142 1276 1288 1190 1134 1280 1041 in the Maryland Auto Insurance Fund 1757 1757 1757 1757 1757 1757 1820 1857 scenario, such Metropolitan Casualty Insurance Co. 1770 1770 1770 1770 1770 1770 1770 1770 as an at-fault Metropolitan Direct Property and Casualty 1208 1208 1208 1208 1208 1208 1208 1208 63

21629 21613 21620 21617 21853 21601 21804 21811 Queen Caroline Dorchester Kent Anne's Somerset Talbot Wicomico Worcester Eastern Metropolitan Group Property and Casualty 1466 1466 1466 1466 1466 1466 1466 1466 Shore Mid-Century Insurance Co. 1188 1188 1188 1188 1188 1188 1275 1188 (w/o Cecil) Mutual Benefit Insurance Co. 1129 1117 1479 1119 1147 1119 1304 1252 National General Assurance Co. 2669 2669 2669 2669 2669 2669 2830 2669 * Nationwide Affinity Ins. Co. of America 815 818 882 882 835 815 813 785 * Occidental Fire & Casualty Co. of N.C. n/a n/a n/a n/a n/a n/a n/a n/a * Old Dominion Insurance Co. 958 1000 958 910 958 958 1016 974 Rates Paramount Insurance Co. n/a n/a n/a n/a n/a n/a n/a n/a Effective * Peninsula Insurance Co. 505 507 505 505 629 505 577 561 as of * Penn National Insurance Co. 1490 1504 1492 1492 1509 1443 1511 1536 2/1/2016 Pharmacists Mutual Insurance Co. 950 950 950 950 950 950 950 950 Privilege Underwriters Reciprocal Exch. 756 756 756 756 756 756 756 840 * Progressive Select Insurance Co. 1439 1376 1398 1439 1445 1350 1393 1394 * Indicates * Progressive Specialty Insurance Co. 1408 1500 1451 1408 1461 1389 1433 1386 those companies * Response Insurance Co. 2763 2611 2611 2726 2611 2828 2834 2765 that consider * Selective Ins. Co. of South Carolina 1246 1013 1070 1057 935 965 1018 1090 credit scores * State Automobile Mutual Insurance Co. 983 1000 983 946 1104 911 1101 924 in determining * State Farm Fire & Casualty Co. 1393 1416 1297 1374 1457 1288 1435 1351 premiums. * State Farm Mutual Automobile Ins. Co. 921 935 859 909 962 851 945 892 Refer to * Teachers Insurance Co. 1406 1406 1406 1406 1406 1406 1406 1406 "Notes to * Titan Indemnity Company 1736 1663 1769 1769 1540 1646 1573 1653 Rate Tables" Travelers Property Casualty Insurance Co. 1320 1482 1375 1395 1439 1259 1395 1284 United Farm Family Insurance Co. 1139 1139 1139 1139 1139 1139 1139 1139 * United Services Automobile Association 771 864 821 771 907 829 892 867 n/a = Carriers * Unitrin Auto & Home Insurance Co. 1327 1331 1318 1331 1397 1331 1328 1328 that do not have * USAA General Indemnity Co. 799 799 799 833 860 829 838 860 rates * USAA Property and Casualty Insurance Co. 883 909 810 810 929 873 936 908 available based * Victoria Fire & Casualty Company 1756 1683 1790 1790 1559 1665 1592 1672 on the criteria in the scenario, such as an at-fault 64

Scenario 4: Young Single Female, Age 30 21629 21613 21620 21617 21853 21601 21804 21811 Queen Caroline Dorchester Kent Anne's Somerset Talbot Wicomico Worcester Eastern 21st Century Centennial Insurance Co. 1231 1240 1231 1231 1240 1231 1102 1240 Shore * Agency Insurance Co. of MD, Inc. 972 972 972 972 972 972 1029 972 (w/o Cecil) * AIG Property Casualty Co. 1135 1135 1135 1135 1135 1135 1135 1278 Allstate Indemnity Co. 1006 992 1042 964 1006 944 944 964 * Amco Insurance Co. 777 774 809 809 783 777 783 773 * American States Preferred Insurance Co. 897 897 897 897 937 897 929 874 * Amica Mutual Insurance Co. 846 846 846 846 846 846 846 846 Rates Atlantic States Insurance Co. 690 690 690 690 690 690 690 690 Effective Bankers Standard Insurance Co. 1304 1304 1304 1310 1310 1306 1310 1475 as of Brethren Mutual Insurance Co. 1056 1056 1056 1056 1056 1056 1056 1056 2/1/2016 * Chubb National Insurance Co. 1100 1100 1100 1100 1151 1100 1139 1110 Cincinnati Insurance Co. 745 747 722 750 744 727 729 709 * CSAA General Insurance Co. 671 683 645 639 704 601 596 608 * Indicates * Cumberland Insurance Co. Inc. 571 571 571 571 571 571 571 571 those companies * Dairyland Insurance Co. 2758 2758 2762 2762 2758 2762 3022 3022 that consider Elephant Insurance Co. 1175 1178 1175 1175 1178 1175 1220 1178 credit scores Encompass Home/Auto Insurance Co. 828 828 828 828 828 828 828 828 in determining * Erie Insurance Co. 931 931 931 931 931 931 931 931 premiums. * Erie Insurance Exchange 701 701 701 701 701 701 701 701 Refer to * Esurance Property and Casualty Ins. Co. 1176 1176 1176 1176 1176 1176 1236 1176 "Notes to * Foremost Insurance Co. 1319 1319 1319 1319 1319 1319 1394 1319 Rate Tables" * Garrison Property & Casualty Ins. Co. 896 828 877 828 982 887 966 938 * GEICO Casualty Co. 606 640 606 606 640 606 640 640 * Hartford Casualty Insurance Co. 1636 1758 1583 1733 1782 1576 1757 2089 n/a = Carriers * Horace Mann Insurance Co. 572 572 572 572 572 572 572 572 that do not have * Horace Mann Property & Casualty Ins. Co. 994 994 994 994 994 994 994 994 rates IDS Property Casualty Ins. Co. 740 810 722 746 844 696 814 724 available based * LM General Insurance Co. 944 985 1102 1115 1024 983 1112 898 on the criteria * LM Insurance Corp. 1044 1090 1220 1228 1128 1081 1225 989 in the Maryland Auto Insurance Fund 2133 2133 2133 2133 2133 2133 2196 2133 scenario, such Metropolitan Casualty Insurance Co. 1145 1145 1145 1145 1145 1145 1145 1145 as an at-fault Metropolitan Direct Property and Casualty 779 779 779 779 779 779 779 779 65

Scenario 4: Young Single Female, Age 30 21629 21613 21620 21617 21853 21601 21804 21811 Queen Caroline Dorchester Kent Anne's Somerset Talbot Wicomico Worcester Eastern Metropolitan Group Property and Casualty 1010 1010 1010 1010 1010 1010 1010 1010 Shore * Mid-Century Insurance Co. 949 949 949 949 949 949 1022 949 (w/o Cecil) Mutual Benefit Insurance Co. 1155 1142 1492 1136 1161 1136 1315 1257 National General Assurance Co. 1020 1020 1020 1020 1020 1020 1078 1020 * Nationwide Affinity Ins. Co. of America 761 764 829 829 782 761 764 736 * Occidental Fire & Casualty Co. of N.C. n/a n/a n/a n/a n/a n/a n/a n/a * Old Dominion Insurance Co. 668 706 668 640 668 668 710 684 Rates Paramount Insurance Co. n/a n/a n/a n/a n/a n/a n/a n/a Effective * Peninsula Insurance Co. 381 387 381 381 463 381 429 421 as of * Penn National Insurance Co. 713 720 713 713 721 691 721 732 2/1/2016 Pharmacists Mutual Insurance Co. 558 558 558 558 558 558 558 558 Privilege Underwriters Reciprocal Exch. 713 713 713 713 713 713 713 791 * Progressive Select Insurance Co. 1122 1094 1097 1122 1147 1071 1123 1114 * Indicates * Progressive Specialty Insurance Co. 1097 1175 1126 1097 1151 1089 1128 1084 those companies * Response Insurance Co. 1614 1513 1513 1591 1513 1660 1666 1618 that consider * Selective Ins. Co. of South Carolina 946 771 812 802 713 736 773 827 credit scores * State Automobile Mutual Insurance Co. 614 624 614 593 682 573 684 580 in determining * State Farm Fire & Casualty Co. 1137 1158 1058 1121 1191 1052 1176 1106 premiums. * State Farm Mutual Automobile Ins. Co. 748 762 697 738 783 692 772 727 Refer to * Teachers Insurance Co. 1148 1148 1148 1148 1148 1148 1148 1148 "Notes to * Titan Indemnity Company 1486 1419 1519 1519 1313 1411 1343 1411 Rate Tables" Travelers Property Casualty Insurance Co. 839 927 869 878 906 795 882 817 United Farm Family Insurance Co. 1261 1261 1261 1261 1261 1261 1261 1261 * United Services Automobile Association 541 601 573 541 631 578 621 601 n/a = Carriers * Unitrin Auto & Home Insurance Co. 781 785 773 785 821 785 780 780 that do not have * USAA General Indemnity Co. 503 503 503 519 539 519 528 539 rates * USAA Property and Casualty Insurance Co. 597 614 550 550 628 590 633 612 available based * Victoria Fire & Casualty Company 1502 1434 1535 1535 1327 1426 1358 1426 on the criteria in the scenario, such as an at-fault 66

Scenario 5: Single Male, Age 50 21629 21613 21620 21617 21853 21601 21804 21811 Queen Caroline Dorchester Kent Anne's Somerset Talbot Wicomico Worcester Eastern 21st Century Centennial Insurance Co. 1780 1797 1780 1780 1797 1780 1553 1797 Shore * Agency Insurance Co. of MD, Inc. 1388 1388 1388 1388 1388 1388 1459 1388 (w/o Cecil) * AIG Property Casualty Co. 1317 1317 1317 1317 1317 1317 1317 1503 Allstate Indemnity Co. 1456 1433 1517 1388 1456 1354 1354 1388 * Amco Insurance Co. 1131 1124 1176 1176 1134 1131 1137 1124 * American States Preferred Insurance Co. 965 965 965 965 1005 965 999 942 * Amica Mutual Insurance Co. 1282 1282 1282 1282 1282 1282 1282 1282 Rates Bankers Standard Insurance Co. 1446 1446 1446 1452 1452 1449 1452 1635 Effective Brethren Mutual Insurance Co. 1538 1538 1538 1538 1538 1538 1538 1538 as of * Chubb National Insurance Co. 1594 1594 1594 1594 1659 1594 1648 1619 2/1/2016 Cincinnati Insurance Co. 999 1005 968 1008 998 976 979 951 * CSAA General Insurance Co. 724 722 700 679 769 640 633 657 * Cumberland Insurance Co. Inc. 720 720 720 720 720 720 720 720 * Indicates * Dairyland Insurance Co. 3610 3610 3618 3618 3610 3618 4010 4010 those companies Donegal Mutual Insurance Co. 1099 1099 1099 1099 1099 1099 1099 1099 that consider Elephant Insurance Co. 1549 1553 1549 1549 1553 1549 1608 1553 credit scores Encompass Home/Auto Insurance Co. 1396 1396 1396 1396 1396 1396 1396 1396 in determining * Erie Insurance Co. 1570 1570 1570 1570 1570 1570 1570 1570 premiums. * Erie Insurance Exchange 945 945 945 945 945 945 945 945 Refer to * Esurance Property and Casualty Ins. Co. 1428 1428 1428 1428 1428 1428 1522 1428 "Notes to * Foremost Insurance Co. 1803 1803 1803 1803 1803 1803 1923 1803 Rate Tables" * Garrison Property & Casualty Ins. Co. 1501 1340 1472 1391 1578 1487 1524 1572 * GEICO Casualty Co. 870 912 870 870 912 870 912 912 * Hartford Casualty Insurance Co. 1497 1302 1455 1544 1590 1433 1585 1819 n/a = Carriers * Horace Mann Insurance Co. 1081 1081 1081 1081 1081 1081 1081 1081 that do not have * Horace Mann Property & Casualty Ins. Co. 1869 1869 1869 1869 1869 1869 1869 1869 rates IDS Property Casualty Ins. Co. 894 968 868 900 1016 834 974 864 available based * LM General Insurance Co. 1384 1320 1499 1527 1324 1338 1513 1195 on the criteria * LM Insurance Corp. 1531 1460 1660 1682 1458 1475 1667 1316 in the Maryland Auto Insurance Fund 4598 4598 4598 4598 4598 4598 4721 4598 scenario, such Metropolitan Casualty Insurance Co. 1453 1453 1453 1453 1453 1453 1453 1453 as an at-fault Metropolitan Direct Property and Casualty 986 986 986 986 986 986 986 986 67

Scenario 5: Single Male, Age 50 21629 21613 21620 21617 21853 21601 21804 21811 Queen Caroline Dorchester Kent Anne's Somerset Talbot Wicomico Worcester Eastern Metropolitan Group Property and Casualty 1334 1334 1334 1334 1334 1334 1334 1334 Shore * Mid-Century Insurance Co. 1084 1084 1084 1084 1084 1084 1200 1084 (w/o Cecil) Mutual Benefit Insurance Co. 1389 1373 1828 1372 1413 1372 1603 1539 National General Assurance Co. 1567 1567 1567 1567 1567 1567 1693 1567 * Nationwide Affinity Ins. Co. of America 1333 1342 1442 1442 1359 1333 1341 1296 * Occidental Fire & Casualty Co. of N.C. n/a n/a n/a n/a n/a n/a n/a n/a * Old Dominion Insurance Co. 628 662 646 622 654 658 698 678 Rates Paramount Insurance Co. n/a n/a n/a n/a n/a n/a n/a n/a Effective * Peninsula Insurance Co. 568 572 568 568 670 568 620 618 as of * Penn National Insurance Co. 935 941 938 938 948 907 946 964 2/1/2016 Pharmacists Mutual Insurance Co. 836 836 836 836 836 836 836 836 Privilege Underwriters Reciprocal Exch. 763 763 763 763 763 763 763 853 * Progressive Select Insurance Co. 1583 1490 1531 1583 1589 1462 1499 1508 * Indicates * Progressive Specialty Insurance Co. 1410 1473 1450 1410 1454 1355 1400 1354 those companies * Response Insurance Co. 2308 2161 2161 2270 2161 2370 2388 2314 that consider * Selective Ins. Co. of South Carolina 1084 914 947 933 840 860 898 962 credit scores * State Automobile Mutual Insurance Co. 1001 1021 1001 957 1098 919 1094 933 in determining * State Farm Fire & Casualty Co. 1578 1596 1476 1558 1637 1463 1611 1523 premiums. * State Farm Mutual Automobile Ins. Co. 1042 1052 976 1030 1079 965 1059 1003 Refer to * Teachers Insurance Co. 2154 2154 2154 2154 2154 2154 2154 2154 "Notes to * Titan Indemnity Company 1927 1834 1981 1981 1692 1813 1737 1822 Rate Tables" Travelers Property Casualty Insurance Co. 1230 1439 1290 1313 1349 1180 1253 1174 United Farm Family Insurance Co. 1434 1434 1434 1434 1434 1434 1434 1434 * United Services Automobile Association 931 987 985 931 1031 993 994 1029 n/a = Carriers * Unitrin Auto & Home Insurance Co. 1430 1439 1419 1439 1509 1439 1434 1434 that do not have * USAA General Indemnity Co. 797 767 797 828 821 823 784 849 rates * USAA Property and Casualty Insurance Co. 976 959 903 903 979 965 964 998 available based * Victoria Fire & Casualty Company 1947 1853 2002 2002 1710 1833 1756 1841 on the criteria in the scenario, such as an at-fault 68

Scenario 6: Senior Citizen - Single Male, Age 65 21629 21613 21620 21617 21853 21601 21804 21811 Queen Caroline Dorchester Kent Anne's Somerset Talbot Wicomico Worcester Eastern 21st Century Centennial Insurance Co. 1132 1170 1132 1132 1170 1132 1012 1170 Shore * Agency Insurance Co. of MD, Inc. 836 836 836 836 836 836 896 836 (w/o Cecil) * AIG Property Casualty Co. 844 844 844 844 844 844 844 964 Allstate Indemnity Co. 1069 1054 1114 1023 1069 1001 1001 1023 * Amco Insurance Co. 824 823 873 873 835 824 838 822 * American States Preferred Insurance Co. 926 926 926 926 972 926 963 900 * Amica Mutual Insurance Co. 730 730 730 730 730 730 730 730 Rates Atlantic States Insurance Co. 423 423 423 423 423 423 423 423 Effective Bankers Standard Insurance Co. 835 835 835 833 833 833 833 939 as of Brethren Mutual Insurance Co. 602 602 602 602 602 602 602 602 2/1/2016 * Chubb National Insurance Co. 885 885 885 885 929 885 922 899 Cincinnati Insurance Co. 533 535 515 537 532 519 521 509 * CSAA General Insurance Co. 703 711 676 666 725 604 622 633 * Indicates * Cumberland Insurance Co. Inc. 348 348 348 348 348 348 348 348 those companies * Dairyland Insurance Co. 1998 1998 2006 2006 1998 2006 2202 2202 that consider Elephant Insurance Co. 1462 1469 1462 1462 1469 1462 1525 1469 credit scores Encompass Home/Auto Insurance Co. 723 723 723 723 723 723 723 723 in determining * Erie Insurance Co. 817 817 817 817 817 817 817 817 premiums. * Erie Insurance Exchange 542 542 542 542 542 542 542 542 Refer to * Esurance Property and Casualty Ins. Co. 1052 1052 1052 1052 1052 1052 1110 1052 "Notes to * Foremost Insurance Co. 1432 1432 1432 1432 1432 1432 1569 1432 Rate Tables" * Garrison Property & Casualty Ins. Co. 723 672 709 672 800 721 791 774 * GEICO Casualty Co. 495 525 495 495 525 495 525 525 * Hartford Casualty Insurance Co. 839 888 800 891 902 800 901 1062 n/a = Carriers * Horace Mann Insurance Co. 489 489 489 489 489 489 489 489 that do not have * Horace Mann Property & Casualty Ins. Co. 837 837 837 837 837 837 837 837 rates IDS Property Casualty Ins. Co. 556 602 542 564 636 522 612 540 available based * LM General Insurance Co. 1187 1138 1284 1300 1137 1142 1289 1041 on the criteria * LM Insurance Corp. 1313 1259 1419 1432 1253 1256 1418 1146 in the Maryland Auto Insurance Fund 1446 1446 1446 1446 1446 1446 1507 1446 scenario, such Metropolitan Casualty Insurance Co. 847 847 847 847 847 847 847 847 as an at-fault Metropolitan Direct Property and Casualty 599 599 599 599 599 599 599 599 69

Scenario 6: Senior Citizen - Single Male, Age 65 21629 21613 21620 21617 21853 21601 21804 21811 Queen Caroline Dorchester Kent Anne's Somerset Talbot Wicomico Worcester Eastern Metropolitan Group Property and Casualty 814 814 814 814 814 814 814 814 Shore * Mid-Century Insurance Co. 870 870 870 870 870 870 959 870 (w/o Cecil) Mutual Benefit Insurance Co. 705 701 979 699 755 699 846 820 National General Assurance Co. 866 866 866 866 866 866 946 866 * Nationwide Affinity Ins. Co. of America 798 801 882 882 819 798 808 769 * Occidental Fire & Casualty Co. of N.C. n/a n/a n/a n/a n/a n/a n/a n/a * Old Dominion Insurance Co. 550 576 550 526 550 550 592 560 Rates Paramount Insurance Co. n/a n/a n/a n/a n/a n/a n/a n/a Effective * Peninsula Insurance Co. 303 303 303 303 359 303 333 329 as of * Penn National Insurance Co. 692 697 694 694 702 674 705 715 2/1/2016 Pharmacists Mutual Insurance Co. 390 390 390 390 390 390 390 390 Privilege Underwriters Reciprocal Exch. 428 428 428 428 428 428 428 480 * Progressive Select Insurance Co. 888 878 870 888 900 860 898 890 * Indicates * Progressive Specialty Insurance Co. 954 1039 981 954 999 973 1002 968 those companies * Response Insurance Co. 2161 2003 2003 2123 2003 2230 2228 2164 that consider * Selective Ins. Co. of South Carolina 644 501 543 540 480 500 529 563 credit scores * State Automobile Mutual Insurance Co. 607 622 607 579 675 581 703 588 in determining * State Farm Fire & Casualty Co. 987 1008 914 971 1036 914 1030 964 premiums. * State Farm Mutual Automobile Ins. Co. 647 660 599 636 678 598 673 630 Refer to * Teachers Insurance Co. 963 963 963 963 963 963 963 963 "Notes to * Titan Indemnity Company 1389 1317 1424 1424 1220 1318 1250 1311 Rate Tables" Travelers Property Casualty Insurance Co. 881 958 909 922 951 844 954 874 United Farm Family Insurance Co. 787 787 787 787 787 787 787 787 * United Services Automobile Association 458 507 483 458 536 490 529 517 n/a = Carriers * Unitrin Auto & Home Insurance Co. 944 946 936 946 988 946 940 940 that do not have * USAA General Indemnity Co. 406 406 406 421 439 420 428 439 rates * USAA Property and Casualty Insurance Co. 480 494 446 446 510 478 516 503 available based * Victoria Fire & Casualty Company 1404 1331 1439 1439 1233 1332 1263 1325 on the criteria in the scenario, such as an at-fault 70

Scenario 7: Senior Citizen - Single Female, Age 65 21629 21613 21620 21617 21853 21601 21804 21811 Queen Caroline Dorchester Kent Anne's Somerset Talbot Wicomico Worcester Eastern 21st Century Centennial Insurance Co. 1261 1344 1261 1261 1344 1261 1134 1344 Shore * Agency Insurance Co. of MD, Inc. 927 927 927 927 927 927 1007 927 (w/o Cecil) * AIG Property Casualty Co. 825 825 825 825 825 825 825 926 Allstate Indemnity Co. 1101 1085 1154 1053 1101 1030 1030 1053 * Amco Insurance Co. 848 847 899 899 860 848 862 846 * American States Preferred Insurance Co. 869 869 869 869 908 869 906 838 * Amica Mutual Insurance Co. 867 867 867 867 867 867 867 867 Rates Bankers Standard Insurance Co. 874 874 874 874 874 872 874 984 Effective Brethren Mutual Insurance Co. 716 716 716 716 716 716 716 716 as of * Chubb National Insurance Co. 984 984 984 984 1034 984 1025 999 2/1/2016 Cincinnati Insurance Co. 570 574 553 576 569 556 559 543 * CSAA General Insurance Co. 647 659 628 611 666 574 573 580 * Cumberland Insurance Co. Inc. 527 527 527 527 527 527 527 527 * Indicates * Dairyland Insurance Co. 2390 2390 2390 2390 2390 2390 2620 2620 those companies Donegal Mutual Insurance Co. 609 609 609 609 609 609 609 609 that consider Elephant Insurance Co. 1267 1273 1267 1267 1273 1267 1322 1273 credit scores Encompass Home/Auto Insurance Co. 1357 1357 1357 1357 1357 1357 1357 1357 in determining * Erie Insurance Co. 867 867 867 867 867 867 867 867 premiums. * Erie Insurance Exchange 573 573 573 573 573 573 573 573 Refer to * Esurance Property and Casualty Ins. Co. 1024 1024 1024 1024 1024 1024 1092 1024 "Notes to * Foremost Insurance Co. 1885 1885 1885 1885 1885 1885 2041 1885 Rate Tables" * Garrison Property & Casualty Ins. Co. 735 682 721 682 816 733 806 790 * GEICO Casualty Co. 535 571 535 535 571 535 571 571 * Hartford Casualty Insurance Co. 813 860 786 865 880 788 894 1042 n/a = Carriers * Horace Mann Insurance Co. 509 509 509 509 509 509 509 509 that do not have * Horace Mann Property & Casualty Ins. Co. 873 873 873 873 873 873 873 873 rates IDS Property Casualty Ins. Co. 612 668 594 616 706 570 676 594 available based * LM General Insurance Co. 1217 1163 1306 1323 1166 1169 1327 1061 on the criteria * LM Insurance Corp. 1345 1286 1442 1458 1284 1287 1461 1168 in the Maryland Auto Insurance Fund 1687 1687 1687 1687 1687 1687 1746 1687 scenario, such Metropolitan Casualty Insurance Co. 1050 1050 1050 1050 1050 1050 1050 1050 as an at-fault Metropolitan Direct Property and Casualty 611 611 611 611 611 611 611 611 71

Scenario 7: Senior Citizen - Single Female, Age 65 21629 21613 21620 21617 21853 21601 21804 21811 Queen Caroline Dorchester Kent Anne's Somerset Talbot Wicomico Worcester Eastern Metropolitan Group Property and Casualty 900 900 900 900 900 900 900 900 Shore * Mid-Century Insurance Co. 979 979 979 979 979 979 1077 979 (w/o Cecil) Mutual Benefit Insurance Co. 970 963 1289 947 1000 947 1116 1077 National General Assurance Co. 753 753 753 753 753 753 820 753 * Nationwide Affinity Ins. Co. of America 795 797 878 878 817 795 805 767 * Occidental Fire & Casualty Co. of N.C. n/a n/a n/a n/a n/a n/a n/a n/a * Old Dominion Insurance Co. 644 670 644 614 644 644 692 652 Rates Paramount Insurance Co. n/a n/a n/a n/a n/a n/a n/a n/a Effective * Peninsula Insurance Co. 371 373 371 371 443 371 413 409 as of * Penn National Insurance Co. 584 588 584 584 591 568 593 602 2/1/2016 Pharmacists Mutual Insurance Co. 466 466 466 466 466 466 466 466 Privilege Underwriters Reciprocal Exch. 539 539 539 539 539 539 539 601 * Progressive Select Insurance Co. 983 981 967 983 1007 963 1012 999 * Indicates * Progressive Specialty Insurance Co. 962 1061 998 962 1014 989 1035 982 those companies * Response Insurance Co. 1884 1752 1752 1851 1752 1943 1947 1887 that consider * Selective Ins. Co. of South Carolina 882 685 742 736 653 678 720 765 credit scores * State Automobile Mutual Insurance Co. 747 767 747 709 833 710 861 722 in determining * State Farm Fire & Casualty Co. 1140 1165 1060 1123 1196 1056 1188 1113 premiums. * State Farm Mutual Automobile Ins. Co. 749 765 697 738 786 693 779 730 Refer to * Teachers Insurance Co. 1010 1010 1010 1010 1010 1010 1010 1010 "Notes to * Titan Indemnity Company 1472 1396 1509 1509 1290 1399 1322 1389 Rate Tables" Travelers Property Casualty Insurance Co. 974 1050 1006 1018 1050 934 1064 968 United Farm Family Insurance Co. 874 874 874 874 874 874 874 874 * United Services Automobile Association 467 518 493 467 550 501 544 531 n/a = Carriers * Unitrin Auto & Home Insurance Co. 896 898 891 898 950 898 905 905 that do not have * USAA General Indemnity Co. 391 391 391 406 424 405 414 424 rates * USAA Property and Casualty Insurance Co. 496 510 460 460 529 494 535 522 available based * Victoria Fire & Casualty Company 1489 1411 1525 1525 1305 1414 1337 1405 on the criteria in the scenario, such as an at-fault 72

Scenario 8: Single Female, Age 50 21629 21613 21620 21617 21853 21601 21804 21811 Queen Caroline Dorchester Kent Anne's Somerset Talbot Wicomico Worcester Eastern 21st Century Centennial Insurance Co. 1604 1636 1604 1604 1636 1604 1432 1636 Shore * Agency Insurance Co. of MD, Inc. 961 961 961 961 961 961 1036 961 (w/o Cecil) * AIG Property Casualty Co. 1329 1329 1329 1329 1329 1329 1329 1551 Allstate Indemnity Co. 1126 1110 1164 1077 1126 1054 1054 1077 * Amco Insurance Co. 778 774 817 817 784 778 785 774 * American States Preferred Insurance Co. 974 974 974 974 1012 974 1010 948 * Amica Mutual Insurance Co. 892 892 892 892 892 892 892 892 Rates Bankers Standard Insurance Co. 1277 1277 1277 1279 1279 1279 1279 1441 Effective Brethren Mutual Insurance Co. 876 876 876 876 876 876 876 876 as of * Chubb National Insurance Co. 1251 1251 1251 1251 1313 1251 1299 1268 2/1/2016 Cincinnati Insurance Co. 744 748 722 752 743 727 730 711 * CSAA General Insurance Co. 702 710 682 657 732 626 624 630 * Cumberland Insurance Co. Inc. 738 738 738 738 738 738 738 738 * Indicates * Dairyland Insurance Co. n/a n/a n/a n/a n/a n/a n/a n/a those companies Donegal Mutual Insurance Co. 1766 1766 1766 1766 1766 1766 1766 1766 that consider Elephant Insurance Co. 1604 1611 1604 1604 1611 1604 1674 1611 credit scores Encompass Home/Auto Insurance Co. 1547 1547 1547 1547 1547 1547 1547 1547 in determining * Erie Insurance Co. 993 993 993 993 993 993 993 993 premiums. * Erie Insurance Exchange 645 645 645 645 645 645 645 645 Refer to * Esurance Property and Casualty Ins. Co. 1018 1018 1018 1018 1018 1018 1070 1018 "Notes to * Foremost Insurance Co. 1604 1604 1604 1604 1604 1604 1726 1604 Rate Tables" * Garrison Property & Casualty Ins. Co. 919 854 903 854 1029 919 1018 1000 * GEICO Casualty Co. 641 678 641 641 678 641 678 678 * Hartford Casualty Insurance Co. 933 995 905 975 1004 901 1000 1162 n/a = Carriers * Horace Mann Insurance Co. 595 595 595 595 595 595 595 595 that do not have * Horace Mann Property & Casualty Ins. Co. 1022 1022 1022 1022 1022 1022 1022 1022 rates IDS Property Casualty Ins. Co. 702 766 684 708 804 654 776 680 available based * LM General Insurance Co. 1287 1233 1392 1415 1230 1234 1397 1120 on the criteria * LM Insurance Corp. 1424 1364 1540 1558 1354 1359 1538 1233 in the Maryland Auto Insurance Fund 1511 1511 1511 1511 1511 1511 1568 1511 scenario, such Metropolitan Casualty Insurance Co. 923 923 923 923 923 923 923 923 as an at-fault Metropolitan Direct Property and Casualty 667 667 667 667 667 667 667 667 73

Scenario 8: Single Female, Age 50 21629 21613 21620 21617 21853 21601 21804 21811 Queen Caroline Dorchester Kent Anne's Somerset Talbot Wicomico Worcester Eastern Metropolitan Group Property and Casualty 822 822 822 822 822 822 822 822 Shore * Mid-Century Insurance Co. 879 879 879 879 879 879 968 879 (w/o Cecil) Mutual Benefit Insurance Co. 916 911 1274 908 985 908 1104 1072 National General Assurance Co. 990 990 990 990 990 990 1072 990 * Nationwide Affinity Ins. Co. of America 776 780 848 848 795 776 782 752 * Occidental Fire & Casualty Co. of N.C. n/a n/a n/a n/a n/a n/a n/a n/a * Old Dominion Insurance Co. 682 722 700 674 708 712 766 726 Rates Paramount Insurance Co. n/a n/a n/a n/a n/a n/a n/a n/a Effective * Peninsula Insurance Co. 431 433 431 431 519 431 481 475 as of * Penn National Insurance Co. 789 795 789 789 799 768 802 813 2/1/2016 Pharmacists Mutual Insurance Co. 661 661 661 661 661 661 661 661 Privilege Underwriters Reciprocal Exch. 671 671 671 671 671 671 671 753 * Progressive Select Insurance Co. 942 930 928 942 969 914 958 946 * Indicates * Progressive Specialty Insurance Co. 896 974 925 896 943 904 946 900 those companies * Response Insurance Co. 1847 1725 1725 1818 1725 1901 1903 1850 that consider * Selective Ins. Co. of South Carolina 1010 798 857 851 759 790 832 884 credit scores * State Automobile Mutual Insurance Co. 705 719 705 675 782 675 806 684 in determining * State Farm Fire & Casualty Co. 1434 1466 1330 1410 1501 1331 1500 1402 premiums. * State Farm Mutual Automobile Ins. Co. 935 955 867 919 978 866 976 912 Refer to * Teachers Insurance Co. 1177 1177 1177 1177 1177 1177 1177 1177 "Notes to * Titan Indemnity Company 1653 1555 1702 1702 1454 1558 1495 1546 Rate Tables" Travelers Property Casualty Insurance Co. 876 976 916 924 956 846 934 858 United Farm Family Insurance Co. 1131 1131 1131 1131 1131 1131 1131 1131 * United Services Automobile Association 526 582 554 526 622 563 615 603 n/a = Carriers * Unitrin Auto & Home Insurance Co. 982 987 972 987 1030 987 981 981 that do not have * USAA General Indemnity Co. 456 456 456 475 498 473 484 498 rates * USAA Property and Casualty Insurance Co. 531 546 493 493 569 530 576 565 available based * Victoria Fire & Casualty Company 1673 1574 1723 1723 1472 1578 1514 1566 on the criteria in the scenario, such as an at-fault 74

Scenario 9: Family Rate, No Youthful Drivers 21629 21613 21620 21617 21853 21601 21804 21811 Queen Caroline Dorchester Kent Anne's Somerset Talbot Wicomico Worcester Eastern 21st Century Centennial Insurance Co. 1763 1842 1763 1763 1842 1763 1556 1842 Shore * Agency Insurance Co. of MD, Inc. 1471 1471 1471 1471 1471 1471 1564 1471 (w/o Cecil) * AIG Property Casualty Co. 1654 1654 1654 1654 1654 1654 1654 1886 Allstate Indemnity Co. 1745 1717 1807 1660 1745 1618 1618 1660 * Amco Insurance Co. 1357 1350 1419 1419 1368 1357 1369 1350 * American States Preferred Insurance Co. 1271 1271 1271 1271 1334 1271 1314 1250 * Amica Mutual Insurance Co. 1542 1542 1542 1542 1542 1542 1542 1542 Rates Bankers Standard Insurance Co. 2496 2496 2496 2508 2508 2504 2508 2824 Effective Brethren Mutual Insurance Co. 1696 1696 1696 1696 1696 1696 1696 1696 as of * Chubb National Insurance Co. 1995 1995 1995 1995 2065 1995 2050 2017 2/1/2016 Cincinnati Insurance Co. 1401 1406 1357 1410 1400 1368 1371 1335 * CSAA General Insurance Co. 1096 1086 1044 1030 1179 959 963 995 * Cumberland Insurance Co. Inc. 1239 1239 1239 1239 1239 1239 1239 1239 * Indicates * Dairyland Insurance Co. n/a n/a n/a n/a n/a n/a n/a n/a those companies Donegal Mutual Insurance Co. 2406 2406 2406 2406 2406 2406 2406 2406 that consider Elephant Insurance Co. 2177 2183 2177 2177 2183 2177 2264 2183 credit scores Encompass Home/Auto Insurance Co. 1400 1400 1400 1400 1400 1400 1400 1400 in determining * Erie Insurance Co. 1724 1724 1724 1724 1724 1724 1724 1724 premiums. * Erie Insurance Exchange 1181 1181 1181 1181 1181 1181 1181 1181 Refer to * Esurance Property and Casualty Ins. Co. 1698 1698 1698 1698 1698 1698 1798 1698 "Notes to * Foremost Insurance Co. 1144 1144 1144 1144 1144 1144 1220 1144 Rate Tables" * Garrison Property & Casualty Ins. Co. 1691 1565 1658 1565 1875 1682 1850 1808 * GEICO Casualty Co. 1097 1159 1097 1097 1159 1097 1159 1159 * Hartford Casualty Insurance Co. 1796 1889 1716 1889 1931 1707 1929 2288 n/a = Carriers * Horace Mann Insurance Co. 1026 1026 1026 1026 1026 1026 1026 1026 that do not have * Horace Mann Property & Casualty Ins. Co. 1737 1737 1737 1737 1737 1737 1737 1737 rates IDS Property Casualty Ins. Co. 1186 1282 1150 1184 1346 1096 1298 1138 available based * LM General Insurance Co. 1514 1439 1650 1679 1442 1450 1641 1294 on the criteria * LM Insurance Corp. 1673 1591 1824 1849 1588 1596 1806 1424 in the Maryland Auto Insurance Fund 3755 3755 3755 3755 3755 3755 3867 3755 scenario, such Metropolitan Casualty Insurance Co. 1895 1895 1895 1895 1895 1895 1895 1895 as an at-fault Metropolitan Direct Property and Casualty 1314 1314 1314 1314 1314 1314 1314 1314 75

Scenario 9: Family Rate, No Youthful Drivers 21629 21613 21620 21617 21853 21601 21804 21811 Queen Caroline Dorchester Kent Anne's Somerset Talbot Wicomico Worcester Eastern Metropolitan Group Property and Casualty 1662 1662 1662 1662 1662 1662 1662 1662 Shore * Mid-Century Insurance Co. 1419 1419 1419 1419 1419 1419 1565 1419 (w/o Cecil) Mutual Benefit Insurance Co. 1504 1491 2015 1486 1560 1486 1765 1700 National General Assurance Co. 1597 1597 1597 1597 1597 1597 1696 1597 * Nationwide Affinity Ins. Co. of America 1487 1491 1615 1615 1521 1487 1497 1443 * Occidental Fire & Casualty Co. of N.C. n/a n/a n/a n/a n/a n/a n/a n/a * Old Dominion Insurance Co. 746 790 764 736 772 776 826 800 Rates Paramount Insurance Co. n/a n/a n/a n/a n/a n/a n/a n/a Effective * Peninsula Insurance Co. 724 728 724 724 862 724 800 788 as of * Penn National Insurance Co. 1215 1223 1219 1219 1229 1181 1229 1249 2/1/2016 Pharmacists Mutual Insurance Co. 1140 1140 1140 1140 1140 1140 1140 1140 Privilege Underwriters Reciprocal Exch. 1267 1267 1267 1267 1267 1267 1267 1411 * Progressive Select Insurance Co. 1543 1498 1510 1543 1584 1466 1537 1524 * Indicates * Progressive Specialty Insurance Co. 1634 1754 1684 1634 1716 1618 1691 1611 those companies * Response Insurance Co. 2530 2372 2372 2490 2372 2603 2612 2533 that consider * Selective Ins. Co. of South Carolina 1324 1109 1160 1147 1032 1061 1108 1180 credit scores * State Automobile Mutual Insurance Co. 1193 1217 1193 1142 1324 1118 1341 1134 in determining * State Farm Fire & Casualty Co. 2255 2294 2107 2224 2348 2097 2330 2193 premiums. * State Farm Mutual Automobile Ins. Co. 1475 1498 1379 1455 1534 1369 1520 1431 Refer to * Teachers Insurance Co. 1995 1995 1995 1995 1995 1995 1995 1995 "Notes to * Titan Indemnity Company 1556 1484 1594 1594 1371 1478 1402 1476 Rate Tables" Travelers Property Casualty Insurance Co. 1401 1558 1459 1475 1526 1346 1493 1373 United Farm Family Insurance Co. 2168 2168 2168 2168 2168 2168 2168 2168 * United Services Automobile Association 1064 1182 1125 1064 1253 1140 1236 1206 n/a = Carriers * Unitrin Auto & Home Insurance Co. 1296 1304 1286 1304 1358 1304 1289 1289 that do not have * USAA General Indemnity Co. 888 888 888 920 957 918 935 957 rates * USAA Property and Casualty Insurance Co. 1122 1153 1036 1036 1194 1115 1206 1174 available based * Victoria Fire & Casualty Company 1574 1501 1612 1612 1387 1495 1418 1493 on the criteria in the scenario, such as an at-fault 76

Scenario 10: Family Rate, No Youthful Drivers 21629 21613 21620 21617 21853 21601 21804 21811 Queen Caroline Dorchester Kent Anne's Somerset Talbot Wicomico Worcester Eastern 21st Century Centennial Insurance Co. 1780 1801 1780 1780 1801 1780 1567 1801 Shore * Agency Insurance Co. of MD, Inc. 1822 1822 1822 1822 1822 1822 1929 1822 (w/o Cecil) * AIG Property Casualty Co. 1599 1599 1599 1599 1599 1599 1599 1865 Allstate Indemnity Co. 1442 1419 1495 1374 1442 1342 1342 1374 * Amco Insurance Co. 1320 1313 1376 1376 1328 1320 1329 1312 * American States Preferred Insurance Co. 1246 1246 1246 1246 1306 1246 1291 1221 * Amica Mutual Insurance Co. 1374 1374 1374 1374 1374 1374 1374 1374 Rates Atlantic States Insurance Co. 1046 1046 1046 1046 1046 1046 1046 1046 Effective Bankers Standard Insurance Co. 2051 2051 2051 2059 2059 2056 2059 2319 as of Brethren Mutual Insurance Co. 1132 1132 1132 1132 1132 1132 1132 1132 2/1/2016 * Chubb National Insurance Co. 2064 2064 2064 2064 2150 2064 2133 2089 Cincinnati Insurance Co. 1254 1260 1214 1265 1252 1224 1227 1196 * CSAA General Insurance Co. 1053 1052 1014 985 1109 924 928 949 * Indicates * Cumberland Insurance Co. Inc. 1122 1122 1122 1122 1122 1122 1122 1122 those companies * Dairyland Insurance Co. n/a n/a n/a n/a n/a n/a n/a n/a that consider Elephant Insurance Co. 1827 1832 1827 1827 1832 1827 1899 1832 credit scores Encompass Home/Auto Insurance Co. 1485 1485 1485 1485 1485 1485 1485 1485 in determining * Erie Insurance Co. 1323 1323 1323 1323 1323 1323 1323 1323 premiums. * Erie Insurance Exchange 926 926 926 926 926 926 926 926 Refer to * Esurance Property and Casualty Ins. Co. 1812 1812 1812 1812 1812 1812 1906 1812 "Notes to * Foremost Insurance Co. 2630 2630 2630 2630 2630 2630 2795 2630 Rate Tables" * Garrison Property & Casualty Ins. Co. 1817 1684 1782 1684 1996 1801 1964 1918 * GEICO Casualty Co. 1106 1168 1106 1106 1168 1106 1168 1168 * Hartford Casualty Insurance Co. 1981 2113 1945 2167 2199 1940 2189 2593 n/a = Carriers * Horace Mann Insurance Co. 1060 1060 1060 1060 1060 1060 1060 1060 that do not have * Horace Mann Property & Casualty Ins. Co. 1799 1799 1799 1799 1799 1799 1799 1799 rates IDS Property Casualty Ins. Co. 1218 1322 1182 1220 1384 1130 1340 1178 available based * LM General Insurance Co. 1669 1585 1825 1860 1590 1604 1817 1421 on the criteria * LM Insurance Corp. 1847 1754 2019 2048 1750 1767 2000 1565 in the Maryland Auto Insurance Fund 3718 3718 3718 3718 3718 3718 3843 3718 scenario, such Metropolitan Casualty Insurance Co. 1950 1950 1950 1950 1950 1950 1950 1950 as an at-fault Metropolitan Direct Property and Casualty 1360 1360 1360 1360 1360 1360 1360 1360 77

Scenario 10: Family Rate, No Youthful Drivers 21629 21613 21620 21617 21853 21601 21804 21811 Queen Caroline Dorchester Kent Anne's Somerset Talbot Wicomico Worcester Eastern Metropolitan Group Property and Casualty 1822 1822 1822 1822 1822 1822 1822 1822 Shore * Mid-Century Insurance Co. 1580 1580 1580 1580 1580 1580 1720 1580 (w/o Cecil) Mutual Benefit Insurance Co. 1763 1747 2421 1753 1876 1753 2109 2043 National General Assurance Co. 1493 1493 1493 1493 1493 1493 1585 1493 * Nationwide Affinity Ins. Co. of America 1529 1537 1658 1658 1563 1529 1538 1483 * Occidental Fire & Casualty Co. of N.C. n/a n/a n/a n/a n/a n/a n/a n/a * Old Dominion Insurance Co. 760 804 778 748 786 790 850 812 Rates Paramount Insurance Co. n/a n/a n/a n/a n/a n/a n/a n/a Effective * Peninsula Insurance Co. 670 676 670 670 798 670 746 734 as of * Penn National Insurance Co. 1341 1351 1342 1342 1356 1302 1358 1379 2/1/2016 Pharmacists Mutual Insurance Co. 1013 1013 1013 1013 1013 1013 1013 1013 Privilege Underwriters Reciprocal Exch. 1106 1106 1106 1106 1106 1106 1106 1235 * Progressive Select Insurance Co. 1534 1483 1494 1534 1552 1454 1511 1505 * Indicates * Progressive Specialty Insurance Co. 1646 1768 1701 1646 1715 1639 1703 1634 those companies * Response Insurance Co. 2866 2686 2686 2822 2686 2947 2965 2867 that consider * Selective Ins. Co. of South Carolina 1610 1362 1413 1395 1252 1283 1340 1433 credit scores * State Automobile Mutual Insurance Co. 1103 1124 1103 1057 1225 1033 1235 1050 in determining * State Farm Fire & Casualty Co. 2140 2182 1994 2108 2231 1991 2227 2086 premiums. * State Farm Mutual Automobile Ins. Co. 1395 1422 1300 1374 1454 1296 1448 1358 Refer to * Teachers Insurance Co. 2068 2068 2068 2068 2068 2068 2068 2068 "Notes to * Titan Indemnity Company 1762 1673 1809 1809 1547 1665 1585 1662 Rate Tables" Travelers Property Casualty Insurance Co. 1479 1652 1537 1558 1611 1421 1572 1446 United Farm Family Insurance Co. 2138 2138 2138 2138 2138 2138 2138 2138 * United Services Automobile Association 933 1031 985 933 1082 994 1066 1039 n/a = Carriers * Unitrin Auto & Home Insurance Co. 1437 1446 1427 1446 1520 1446 1449 1449 that do not have * USAA General Indemnity Co. 1074 1074 1074 1114 1152 1109 1126 1152 rates * USAA Property and Casualty Insurance Co. 975 1000 904 904 1026 966 1033 1006 available based * Victoria Fire & Casualty Company 1783 1693 1831 1831 1566 1685 1604 1682 on the criteria in the scenario, such as an at-fault 78

Scenario 11: Family Rate, No Youthful Drivers 21629 21613 21620 21617 21853 21601 21804 21811 Queen Caroline Dorchester Kent Anne's Somerset Talbot Wicomico Worcester Eastern 21st Century Centennial Insurance Co. 2675 2681 2675 2675 2681 2675 2413 2681 Shore * Agency Insurance Co. of MD, Inc. 2572 2572 2572 2572 2572 2572 2677 2572 (w/o Cecil) * AIG Property Casualty Co. 1453 1453 1453 1453 1453 1453 1453 1655 Allstate Indemnity Co. 2119 2083 2190 2011 2119 1959 1959 2011 * Amco Insurance Co. 1925 1919 2024 2024 1946 1925 1948 1915 * American States Preferred Insurance Co. 2335 2335 2335 2335 2435 2335 2422 2286 * Amica Mutual Insurance Co. 1686 1686 1686 1686 1686 1686 1686 1686 Rates Bankers Standard Insurance Co. 2632 2632 2632 2653 2653 2642 2653 2990 Effective Brethren Mutual Insurance Co. 1712 1712 1712 1712 1712 1712 1712 1712 as of * Chubb National Insurance Co. 2587 2587 2587 2587 2726 2587 2693 2617 2/1/2016 Cincinnati Insurance Co. 1520 1530 1472 1535 1517 1482 1488 1448 * CSAA General Insurance Co. 2711 2706 2563 2594 2900 2364 2360 2474 * Cumberland Insurance Co. Inc. 1597 1597 1597 1597 1597 1597 1597 1597 * Indicates * Dairyland Insurance Co. 4516 4516 4510 4510 4516 4510 4858 4858 those companies Donegal Mutual Insurance Co. 2559 2559 2559 2559 2559 2559 2559 2559 that consider Elephant Insurance Co. 2514 2520 2514 2514 2520 2514 2609 2520 credit scores Encompass Home/Auto Insurance Co. 3144 3144 3144 3144 3144 3144 3144 3144 in determining Erie Insurance Co. 2474 2474 2474 2474 2474 2474 2474 2474 premiums. Erie Insurance Exchange 1381 1381 1381 1381 1381 1381 1381 1381 Refer to * Esurance Property and Casualty Ins. Co. 3686 3686 3686 3686 3686 3686 3880 3686 "Notes to * Foremost Insurance Co. 4733 4733 4733 4733 4733 4733 5008 4733 Rate Tables" * Garrison Property & Casualty Ins. Co. 1945 1792 1904 1792 2119 1925 2084 2028 * GEICO Casualty Co. 1330 1400 1330 1330 1400 1330 1400 1400 * Hartford Casualty Insurance Co. 4084 4438 4034 4333 4531 4006 4520 5345 n/a = Carriers * Horace Mann Insurance Co. 1120 1120 1120 1120 1120 1120 1120 1120 that do not have * Horace Mann Property & Casualty Ins. Co. 2018 2018 2018 2018 2018 2018 2018 2018 rates IDS Property Casualty Ins. Co. 1320 1432 1282 1324 1492 1238 1434 1286 available based * LM General Insurance Co. 2081 1981 2304 2341 1969 1972 2220 1769 on the criteria * LM Insurance Corp. 2302 2190 2547 2578 2170 2171 2443 1948 in the Maryland Auto Insurance Fund 2893 2893 2893 2893 2893 2893 2982 2893 scenario, such Metropolitan Casualty Insurance Co. 2938 2938 2938 2938 2938 2938 2938 2938 as an at-fault Metropolitan Direct Property and Casualty 1692 1692 1692 1692 1692 1692 1692 1692 79

Scenario 11: Family Rate, No Youthful Drivers 21629 21613 21620 21617 21853 21601 21804 21811 Queen Caroline Dorchester Kent Anne's Somerset Talbot Wicomico Worcester Eastern Metropolitan Group Property and Casualty 2402 2402 2402 2402 2402 2402 2402 2402 Shore Mid-Century Insurance Co. 3161 3161 3161 3161 3161 3161 3418 3161 (w/o Cecil) Mutual Benefit Insurance Co. 1636 1622 2121 1603 1645 1603 1852 1775 National General Assurance Co. 3521 3521 3521 3521 3521 3521 3657 3521 * Nationwide Affinity Ins. Co. of America 1886 1895 2066 2066 1941 1886 1889 1814 * Occidental Fire & Casualty Co. of N.C. 2980 2980 2980 2980 2980 2980 2980 2980 * Old Dominion Insurance Co. 2128 2238 2146 2052 2154 2158 2272 2204 Rates Paramount Insurance Co. 4552 4552 4552 4552 4552 4552 4552 4552 Effective * Peninsula Insurance Co. 1958 1968 1958 1958 2454 1958 2220 2196 as of * Penn National Insurance Co. 2151 2171 2163 2163 2174 2082 2176 2207 2/1/2016 Pharmacists Mutual Insurance Co. 1381 1381 1381 1381 1381 1381 1381 1381 Privilege Underwriters Reciprocal Exch. 1361 1361 1361 1361 1361 1361 1361 1520 * Progressive Select Insurance Co. 2439 2326 2359 2439 2453 2272 2360 2361 * Indicates * Progressive Specialty Insurance Co. 2462 2605 2517 2462 2557 2406 2465 2401 those companies * Response Insurance Co. 4876 4589 4589 4806 4589 5002 5006 4879 that consider * Selective Ins. Co. of South Carolina 1787 1389 1502 1488 1306 1363 1446 1550 credit scores * State Automobile Mutual Insurance Co. 2680 2744 2680 2553 3082 2499 3106 2549 in determining * State Farm Fire & Casualty Co. 2624 2678 2440 2589 2762 2421 2717 2553 premiums. * State Farm Mutual Automobile Ins. Co. 1743 1777 1624 1720 1832 1607 1798 1693 Refer to * Teachers Insurance Co. 2337 2337 2337 2337 2337 2337 2337 2337 "Notes to * Titan Indemnity Company 2075 2002 2105 2105 1835 1970 1870 1989 Rate Tables" Travelers Property Casualty Insurance Co. 2560 2874 2648 2686 2772 2398 2670 2478 United Farm Family Insurance Co. 2104 2104 2104 2104 2104 2104 2104 2104 * United Services Automobile Association 1500 1684 1598 1500 1764 1616 1735 1684 n/a = Carriers * Unitrin Auto & Home Insurance Co. 2348 2357 2331 2357 2448 2357 2333 2333 that do not have * USAA General Indemnity Co. 1550 1550 1550 1611 1670 1609 1628 1670 rates * USAA Property and Casualty Insurance Co. 1702 1754 1562 1562 1790 1687 1807 1751 available based * Victoria Fire & Casualty Company 2097 2023 2128 2128 1854 1990 1890 2010 on the criteria in the scenario, such as an at-fault 80

Scenario 12: Family Rate with Youthful Driver 21629 21613 21620 21617 21853 21601 21804 21811 Queen Caroline Dorchester Kent Anne's Somerset Talbot Wicomico Worcester Eastern 21st Century Centennial Insurance Co. 6833 6747 6833 6833 6747 6833 6170 6747 Shore * Agency Insurance Co. of MD, Inc. 6074 6074 6074 6074 6074 6074 6426 6074 (w/o Cecil) * AIG Property Casualty Co. 6048 6048 6048 6048 6048 6048 6048 7095 Allstate Indemnity Co. 7427 7287 7877 7005 7427 6799 6799 7005 * Amco Insurance Co. 3895 3886 4107 4107 3956 3895 3949 3879 * American States Preferred Insurance Co. 9016 9016 9016 9016 9595 9016 9483 8812 * Amica Mutual Insurance Co. 8239 8239 8239 8239 8239 8239 8239 8239 Rates Bankers Standard Insurance Co. 9418 9418 9418 9494 9494 9459 9494 10698 Effective Brethren Mutual Insurance Co. 2968 2968 2968 2968 2968 2968 2968 2968 as of * Chubb National Insurance Co. 10194 10194 10194 10194 10892 10194 10758 10254 2/1/2016 Cincinnati Insurance Co. 3413 3436 3303 3447 3409 3322 3333 3241 * CSAA General Insurance Co. 5366 5428 5174 5099 5578 4678 4721 4846 * Cumberland Insurance Co. Inc. n/a n/a n/a n/a n/a n/a n/a n/a * Indicates * Dairyland Insurance Co. 12542 12542 12596 12596 12542 12596 13832 13832 those companies Donegal Mutual Insurance Co. 8950 8950 8950 8950 8950 8950 8950 8950 that consider Elephant Insurance Co. 6598 6619 6598 6598 6619 6598 6868 6619 credit scores Encompass Home/Auto Insurance Co. 5314 5314 5314 5314 5314 5314 5314 5314 in determining * Erie Insurance Co. 7102 7102 7102 7102 7102 7102 7102 7102 premiums. * Erie Insurance Exchange 4268 4268 4268 4268 4268 4268 4268 4268 Refer to * Esurance Property and Casualty Ins. Co. 8818 8818 8818 8818 8818 8818 9404 8818 "Notes to * Foremost Insurance Co. 14581 14581 14581 14581 14581 14581 15670 14581 Rate Tables" * Garrison Property & Casualty Ins. Co. 4457 4093 4358 4093 4947 4427 4873 4745 * GEICO Casualty Co. 3922 4213 3922 3922 4213 3922 4213 4213 * Hartford Casualty Insurance Co. 6428 7102 6136 6971 7092 6150 7120 8599 n/a = Carriers * Horace Mann Insurance Co. 4129 3923 3923 3923 3923 3923 3923 3923 that do not have * Horace Mann Property & Casualty Ins. Co. 7568 7185 7185 7185 7185 7185 7185 7185 rates IDS Property Casualty Ins. Co. 5012 5498 4892 5134 5760 4756 5604 4976 available based * LM General Insurance Co. 9158 8562 10302 11349 8729 8761 9951 7427 on the criteria * LM Insurance Corp. 10128 9470 11395 12496 9611 9645 10956 8178 in the Maryland Auto Insurance Fund 7361 7361 7361 7361 7361 7361 7630 7361 scenario, such Metropolitan Casualty Insurance Co. 9162 9162 9162 9162 9162 9162 9162 9162 as an at-fault Metropolitan Direct Property and Casualty 5193 5193 5193 5193 5193 5193 5193 5193 81

Scenario 12: Family Rate with Youthful Driver 21629 21613 21620 21617 21853 21601 21804 21811 Queen Caroline Dorchester Kent Anne's Somerset Talbot Wicomico Worcester Eastern Metropolitan Group Property and Casualty 8288 8288 8288 8288 8288 8288 8288 8288 Shore * Mid-Century Insurance Co. 6187 6187 6187 6187 6187 6187 6695 6187 (w/o Cecil) Mutual Benefit Insurance Co. 4167 4136 5435 4079 4190 4079 4690 4494 National General Assurance Co. 5023 5023 5023 5023 5023 5023 5582 5023 * Nationwide Affinity Ins. Co. of America 4043 4055 4472 4472 4179 4043 4037 3858 * Occidental Fire & Casualty Co. of N.C. n/a n/a n/a n/a n/a n/a n/a n/a * Old Dominion Insurance Co. 5104 5344 5122 4892 5130 5134 5524 5230 Rates Paramount Insurance Co. n/a n/a n/a n/a n/a n/a n/a n/a Effective * Peninsula Insurance Co. 4654 4710 4654 4654 5890 4654 5296 5230 as of * Penn National Insurance Co. 5166 5215 5169 5169 5238 4998 5252 5338 2/1/2016 Pharmacists Mutual Insurance Co. 3502 3502 3502 3502 3502 3502 3502 3502 Privilege Underwriters Reciprocal Exch. 2880 2880 2880 2880 2880 2880 2880 3190 * Progressive Select Insurance Co. 5320 5190 5179 5320 5399 5061 5332 5275 * Indicates * Progressive Specialty Insurance Co. 6090 6533 6241 6090 6359 6036 6203 6001 those companies * Response Insurance Co. 10247 9494 9494 10059 9494 10577 10541 10264 that consider * Selective Ins. Co. of South Carolina 3980 3309 3447 3394 2994 3078 3236 3492 credit scores * State Automobile Mutual Insurance Co. 6896 7074 6896 6541 7804 6606 8303 6674 in determining * State Farm Fire & Casualty Co. 7205 7384 6614 7072 7607 6634 7567 7042 premiums. * State Farm Mutual Automobile Ins. Co. 4034 4133 3702 3959 4258 3712 4235 3940 Refer to * Teachers Insurance Co. 8770 8324 8324 8324 8324 8324 8324 8324 "Notes to * Titan Indemnity Company 3703 3500 3803 3803 3159 3504 3244 3483 Rate Tables" Travelers Property Casualty Insurance Co. 8131 8894 8429 8510 8834 7679 8882 8041 United Farm Family Insurance Co. 4011 4011 4011 4011 4011 4011 4011 4011 * United Services Automobile Association 2648 2986 2827 2648 3168 2865 3119 3026 n/a = Carriers * Unitrin Auto & Home Insurance Co. 6872 6884 6838 6884 7312 6884 6946 6946 that do not have * USAA General Indemnity Co. 2283 2283 2283 2377 2492 2377 2427 2492 rates * USAA Property and Casualty Insurance Co. 3008 3105 2751 2751 3203 2986 3240 3139 available based * Victoria Fire & Casualty Company 3746 3541 3847 3847 3197 3545 3282 3524 on the criteria in the scenario, such as an at-fault 82

Private Passenger Automobile Phone Numbers and Websites Note: If there is no phone number shown for an insurance company, look in the Yellow Pages for an agent, agency or broker in your area. You may also find information on the company's website. Agents and agencies sell coverage on the company's behalf. Brokers will locate coverage on your behalf. 21st Century Centennial Insurance Co. (800) 807-9458 www.21st.com Agency Insurance Co. of MD, Inc. 800-492-5629 www.agencyinsurancecompany.com AIG Property Casualty Co. See Yellow Pages www.aig.com Allstate Indemnity Co. 866-621-6900 www.allstate.com Amco Insurance Co. 800-982-0756 www.alliedinsurance.com American States Preferred Insurance Co. 800-332-3226 www.safeco.com Amica Mutual Insurance Co. 800-242-6422 www.amica.com Atlantic States Insurance Co. 800-877-0600 www.donegalgroup.com Bankers Standard Insurance Co. 800-444-6161 www.aceprivateriskservices.com Brethren Mutual Insurance Co. 800-621-4264 www.bmic.com Chubb National Insurance Co, 866-324-8222 www.chubb.com/personal Cincinnati Insurance Co. See Yellow Pages www.cinfin.com CSAA General Insurance Co. 888-222-0094 http://midatlantic.aaa.com/insurance/insurewithaaa Cumberland Insurance Co. Inc. 800-782-8636 www.cumberlandgroup.com Dairyland Insurance Co. 800-334-0090 www.dairylandauto.com Donegal Mutual Insurance Co. 800-877-0600 www.donegalgroup.com Elephant Insurance Co. 877-218-7865 www.elephant.com Encompass Home/Auto Insurance Co. 800-588-7400 www.encompassinsurance.com Erie Insurance Co. 800-458-0811 www.erieinsurance.com Erie Insurance Exchange 800-458-0811 www.erieinsurance.com Esurance Property & Casualty Ins. Co. 800-ESURANCE www.esurance.com Foremost Insurance Co. 888-888-0080 www.foremost.com Garrison Property & Casualty Ins. Co. 800-531-8722 www.usaa.com GEICO Casualty Co. 800-861-8380 www.geico.com Hartford Casualty Insurance Co. 888-413-8970 www.thehartford.com Horace Mann Insurance Co. 800-999-1030 www.horacemann.com Horace Mann Property & Casualty Ins. Co. 800-999-1030 www.horacemann.com IDS Property Casualty Ins. Co. 800-842-3344 www.ameriprise.com/autohome LM General Insurance Co. 800-837-5254 www.libertymutual.com LM Insurance Corp. 800-837-5254 www.libertymutual.com Maryland Insurance Administration 1-800-492-6116 www.insurance.maryland.gov 83

Private Passenger Automobile Phone Numbers and Websites Note: If there is no phone number shown for an insurance company, look in the Yellow Pages for an agent, agency or broker in your area. You may also find information on the company's website. Agents and agencies sell coverage on the company's behalf. Brokers will locate coverage on your behalf. Maryland Auto Insurance Fund 800-492-7120 www.mymarylandauto.com Metropolitan Casualty Insurance Co. 800-422-4272 www.metlife.com Metropolitan Direct Property and Casualty 800-422-4272 www.metlife.com Metropolitan Group Property and Casualty 800-422-4272 www.metlife.com Mid-Century Insurance Co. 800-FARMERS www.farmers.com Mutual Benefit Insurance Co. 800-283-3531 www.mutualbenefitgroup.com National General Assurance Co. 800-462-2123 www.ngic.com Nationwide Affinity Ins. Co. of America 888-890-4630 www.nationwide.com Occidental Fire & Casualty Co. of N.C. 800-338-2680 www.niuw.com Old Dominion Insurance Co. 800-226-0875 www.msagroup.com Paramount Insurance Co. See Yellow Pages www.paramountinsurancemd.com Peninsula Insurance Co. 800-492-1205 www.peninsulainsurance.com Penn National Insurance Co. 800-766-2245 www.pennnationalinsurance.com Pharmacists Mutual Insurance Co. 800-247-5930 www.phmic.com/pages/home.aspx Privilege Underwriters Reciprocal Exch. 888-813-7873 www.pureinsurance.com/index Progressive Select Insurance Co. 800-776-4737 www.progressive.com Progressive Specialty Insurance Co. See Yellow Pages www.progressiveagent.com Response Insurance Co. 800-437-8394 www.kemperdirect.com Selective Ins. Co. of South Carolina 800-777-9656 www.selective.com State Automobile Mutual Insurance Co. 800-444-9950 www.stateauto.com State Farm Fire & Casualty Co. See Yellow Pages www.statefarm.com State Farm Mutual Automobile Ins. Co. See Yellow Pages www.statefarm.com Teachers Insurance Co. 800-999-1030 www.horacemann.com Titan Indemnity Co. 800-888-8424 www.titaninsurance.com Travelers Property Casualty Insurance Co. 888-695-4625 www.travelers.com United Farm Family Insurance Co. 800-843-3276 www.farmfamily.com United Services Automobile Association 800-531-8722 www.usaa.com Unitrin Auto & Home Insurance Co. 877-252-7878 www.ekemper.com USAA General Indemnity Co. 800-531-8722 www.usaa.com USAA Property & Casualty Insurance Co. 800-531-8722 www.usaa.com Victoria Fire & Casualty Co. 800-888-8424 www.victoriainsurance.com Maryland Insurance Administration 1-800-492-6116 www.insurance.maryland.gov 84

Coverages Offered by Company (or group of companies) Some insurers offer various coverage by different companies within their insurance group. Y = Coverage is offered (*though some limitations may apply) A = Coverage may be available through an affiliated program Group Name (ies) Home Auto Motorcycle and Scooter RV & Trailers ATV Boats Personal Watercraft GAP Antique/ Collector Notes / Limitations ACEUSA Bankers Standard Insurance Co. Y Y Y Y Y Y Y Y Y Agency Agency Insurance Co. of MD, Inc. Y Y Y AIG AIG Property Casualty Company Y Y Y Y Y Y Y Y Y Encompass Home/Auto Insurance Co. Y Y Y Y Y Y Y Y Y Allstate Insurance Co. Y* * Renters/Condo only Allstate Indemnity Co. Y Y Y Y Allstate Esurance Property and Casualty Ins. Co. Y Y Allstate Property & Casualty Insurance Co. Y Y Y Y Allstate Vehicle & Property Insurance Co Y* * Homeowners only Esurance Insurance Services, Inc. A A A A A A A AMICA Amica Mutual Insurance Co. Y Y Y Y Y* Y A Y Y * Snowmobiles only AMIG American Family Home Insurance Co. *Y Y Y Y Y * Renters only American Modern Home Insurance Co. *Y Y Y Y Y * Renters only American Bankers Insurance Co. of FL Y* Y* Y* * See Carrier for Limitations Assurant American Security Insurance Co Y Standard Guaranty Insurance Co Y Brethren Mutual Brethren Mutual Insurance Co. Y Y Y Y Y Chubb National Insurance Co. Y Y Y Y Y Y Chubb Federal Insurance Co. Y Y* Y* * Moored in the Continental US Vigilant Insurance Co. Y Cincinnati Cincinnati Insurance Co. Y Y Y* Y* Y* Y Y Y* Y* * Requires Auto policy CSAA Cumberland CSAA Affinity Insurance Co. Y CSAA General Insurance Co. Y Y Cumberland Insurance Co. Inc. Y Cumberland Mutual Fire Insurance Co. Y Donegal Mutual Insurance Co. Y Y Y Y Y Y Donegal Peninsula Insurance Co. Y Y Y Y Atlantic States Insurance Co. Y Elephant Elephant Insurance Co. Y Erie Erie Insurance Co. Y Y Y Y Y Y Y Y Erie Insurance Exchange Y Y Y Y Y Y Everett Cash Everett Cash Mutual Insurance Co. Y Maryland Insurance Administration 1-800-492-6116 www.insurance.maryland.gov 85

Coverages Offered by Company (or group of companies) Some insurers offer various coverage by different companies within their insurance group. Y = Coverage is offered (*though some limitations may apply) A = Coverage may be available through an affiliated program Group Name (ies) Home Auto Motorcycle and Scooter RV & Trailers ATV Boats Personal Watercraft GAP Antique/ Collector Notes / Limitations Foremost Insurance Co. A Y Y Y Y Y Y A Y Farmers Farmers Insurance Exchange Y A A A A A A A Mid-Century Insurance Co. Y 21st Century Centennial Insurance Co. Y Farmers Mut of Salem Farmers Mutual Fire Ins. Co. of Salem Cty Y Y* * Requires Home policy Fidelity National Stillwater P & C Insurance Co. Y First American First American Property & Casualty Ins. Co Y Frederick Mutual Frederick Mutual Insurance Co. Y GEICO GEICO Indemnity Co. Y Y GEICO Casualty Co. Y Y Global Indemnity American Reliable Insurance Co. Y Y Y GMAC National General Insurance Co. Y National General Assurance Co. Y Y Y Hartford Hartford Fire Insurance Co. Y Hartford Casualty Insurance Co. Y Y Y Y Y Homesite Homesite Insurance Co. of the Midwest Y Horace Mann Property & Casualty Ins. Co. Y Horace Mann Horace Mann Insurance Co. Y Y Y Teachers Insurance Co. Y Y Y IAT Reinsurance Grp. Occidental Fire & Casualty Co. of N.C. Y IDS IDS Property Casualty Ins. Co. Y Y Infiniti Infinity Insurance Co. Y Ironshore Ironshore Indemnity Inc. Y Liberty Mutual Fire Insurance Co. Y Y Y Y Safeco Insurance Co. of America Y Y Y First Liberty Insurance Corp. Liberty Mutual LM Insurance Corp. Y Y Y Y Y Y Y LM General Insurance Co. Y Y Y Y American States Preferred Insurance Co. Y Y Y Safeco Insurance Co. of Illinois Y Y Liberty Insurance Corp. Y Y Y Lititz Mutual Lititz Mutual Insurance Co. Y MAIF Maryland Auto Insurance Fund Y Y Y* * Liability only Markel Markel American Insurance Co. Y* Y Y Y Y * Renters Only Essentia Insurance Co. Y Maryland Insurance Administration 1-800-492-6116 www.insurance.maryland.gov 86

Coverages Offered by Company (or group of companies) Some insurers offer various coverage by different companies within their insurance group. Y = Coverage is offered (*though some limitations may apply) A = Coverage may be available through an affiliated program Group Name (ies) Home Auto Motorcycle and Scooter RV & Trailers ATV Boats Personal Watercraft GAP Antique/ Collector Notes / Limitations Metropolitan Direct Property and Casualty Y Y Y MetLife Metropolitan Property and Casualty Ins. Y Y Y Y Metropolitan Group Property and Casualty Y Y Y Y Y Y Metropolitan Casualty Insurance Co. Y Y Y Y Y MSA Group NGM Insurance Co. Y Y* * Requires Home policy Old Dominion Insurance Co. Y Y* Y Y * Requires Auto Policy Mutual Benefit Mutual Benefit Insurance Co. Y Y Titan Indemnity Co. Y Amco Insurance Co. Y Y Y Y Y Y Y Y* * Requires Auto Policy Nationwide General Insurance Co. Y Nationwide Insurance Co. of America Y Y Y Nationwide Nationwide Affinity Ins. Co. of America Y Y* * Requires Auto Policy Nationwide Property & Casualty Co. Y Y Allied Property & Casualty Insurance Co. Y Y Y Y Y* * Requires Auto Policy Depositors Insurance Co. Y Y Y Y Y Y* * Requires Auto Policy Victoria Fire & Casualty Co. Y Paramount Paramount Insurance Co. Y Penn National Penn National Insurance Co. Y Y Y Y* Y * Requires Auto Policy Pharmacist Mutual Pharmacists Mutual Insurance Co. Y Y Progressive Select Insurance Co. Y Progressive American Strategic Insurance Corp. Y Progressive Casualty Insurance Co. Y Y Y Y Y Progressive Specialty Insurance Co. Y Y PURE Privilege Underwriters Reciprocal Exch. Y Y Y Y Y Y Y QBE Group Praetorian Y QBE Y Rider Insurance Co. Rider Insurance Co. Y Y Selective Selective Ins. Co. of South Carolina Y Y Y Y Y Sentry Dairyland Insurance Co. Y State Auto State Farm State Auto Property & Casualty Ins. Co. Y Y Y State Automobile Mutual Insurance Co. Y Y Y Y Y Y State Farm Fire & Casualty Co. Y Y Y Y Y Y Y State Farm Mutual Automobile Ins. Co. Y Y Y Y Y Tokio Marine Philadelphia Indemnity Insurance Co Y Maryland Insurance Administration 1-800-492-6116 www.insurance.maryland.gov 87

Coverages Offered by Company (or group of companies) Some insurers offer various coverage by different companies within their insurance group. Y = Coverage is offered (*though some limitations may apply) A = Coverage may be available through an affiliated program Group Name (ies) Home Auto Motorcycle and Scooter RV & Trailers ATV Boats Personal Watercraft GAP Antique/ Collector Notes / Limitations Travelers Home & Marine Insurance Co. Y Y Y Travelers Travelers Commercial Insurance Co. Y Y Y Travelers Property Casualty Insurance Co. Y Y Y Y Y Y United Farm Family United Farm Family Insurance Co. Y Y Y* Y* Y * Requires Auto Policy Unitrin Direct Property & Casualty Co. Y Unitrin Unitrin Auto & Home Insurance Co. Y Y Y Y Y Y Y Response Insurance Co. Y Universal Co. Grp. Universal North America Insurance Co. Y* * Homeowners only Universal Holdings Universal Property & Casualty Ins. Co. Y USAA General Indemnity Co. Y Y A Y A A A Y USAA Garrison Property & Casualty Ins. Co. Y Y A Y A A A Y United Services Automobile Association Y Y A Y A A A Y USAA Property & Casualty Insurance Co. Y Y A Y A A A Y Western General Pacific Specialty Insurance Co. Y Y Windsor Mt. Joy Windsor Mt. Joy Mutual Insurance Co. Y Y Y Maryland Insurance Administration 1-800-492-6116 www.insurance.maryland.gov 88

How to File a Complaint Consumers may contact the Maryland Insurance Administration to file a complaint against an insurance company, agent or broker. Complaints must be received in writing or filed on-line using the agency s website, www.insurance.maryland.gov. Under Consumers, the public will find a link entitled File A Complaint.. This page describes the process and provides instructions for filing a complaint. Please provide as much detail as possible, including copies of relevant documents. A trained, professional investigator will handle your complaint. The investigator will contact the company/agent/broker and try to resolve the issue. Meanwhile, you will be advised of the steps being taken on your behalf. Complaint files are not closed until the Maryland Insurance Administration has made a determination regarding the complaint. Rapid Response Program The Insurance Administration has a Rapid Response Program to help consumers resolve property and casualty claims (including claims made under automobile, homeowners and commercial lines policies) quickly and without having to file a formal written complaint. The Rapid Response Program puts individuals having difficulty resolving certain claims in touch with special representatives at participating companies in an effort to help address problems directly and quickly. For more information about this Program, contact us at 410-468-2340 or 800-492-6116 ext. 2340. Participation in the Rapid Response Program is voluntary and does not affect your right to file a formal complaint. General Information 410-468-2000 or 800-492-6116 TTY 1-800-735-2258 E-mail: miaweb.mia@maryland.gov Website: www.insurance.maryland.gov Complaints Fax: 410-468-2307 (or 2334) 85 89

This consumer guide should be used for educational purposes only. It is not intended to provide legal advice or opinions regarding coverage under a specific insurance policy or contract; nor should it be construed as an endorsement of any product, service, person, or organization mentioned in this guide. This publication has been produced by the Maryland Insurance Administration (MIA) to provide consumers with general information about insurance-related issues and/or state programs and services. This publication may contain copyrighted material which was used with permission of the copyright owner. Publication herein does not authorize any use or appropriation of such copyrighted material without consent of the owner. All publications issued by the MIA are available free of charge on the MIA's website or by request. The publication may be reproduced in its entirety without further permission of the MIA provided the text and format are not altered or amended in any way, and no fee is assessed for the publication or duplication thereof. The MIA's name and contact information must remain clearly visible, and no other name, including that of the company or agent reproducing the publication, may appear anywhere in the reproduction. Partial reproductions are not permitted without the prior written consent of the MIA. Persons with disabilities may request this document in an alternative format. Requests should be submitted in writing to the Director of Public Affairs at the address listed below. 200 St. Paul Place, Suite 2700 Baltimore, MD 21202 410-468-2000 800-492-6116 800-735-2258 TTY www.insurance.maryland.gov Lawrence J. Hogan, Jr., Governor Boyd K. Rutherford, Lt. Governor MIA-A-2