# Insurance (GIN)

## Title 11. Insurance Rating Law

### Subtitle 3. Competitive Rating

#### Section 11-319

An insurer that uses territory as a factor in establishing automobile insurance rates shall submit a statement to the Commissioner certifying that:

(1) the territories used by the insurer have been reviewed within the previous 3 years; and

(2) use of the territories is actuarially justified.

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Md. Code Ann., Ins. (as displayed at mgaleg.maryland.gov, October 16, 2026)