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Maryland Auto Insurance: Minimums, Costs & Coverage

Maryland requires 30/60/15 minimum liability coverage — $30,000 per person, $60,000 per accident for bodily injury, and $15,000 for property damage. Cost-conscious drivers pay $95–$145/month for minimum coverage, while full coverage averages $180–$240/month based on available industry data.

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Non-Standard Auto · SR-22 · Senior · Teen Drivers

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Updated May 2026

State Requirements

Maryland operates as a tort-based liability state, meaning the at-fault driver is responsible for damages. All drivers must carry proof of insurance and display it upon request by law enforcement or during vehicle registration. The Maryland Motor Vehicle Administration (MVA) can suspend your registration and license for driving uninsured, with reinstatement fees up to $150 plus a mandated three-year SR-22 filing requirement.

Maryland cityscape and street view
30/60 ($30,000 per person, $60,000 per accident)
Bodily Injury Liability
Covers medical bills, lost wages, and legal costs when you injure someone in an at-fault accident. Maryland's 30/60 minimums are higher than many neighboring states but may be insufficient for serious crashes — a single hospitalization can exceed $30,000. Maryland courts allow injured parties to sue you directly for amounts exceeding your policy limit, putting your personal assets at risk.
$15,000 per accident
Property Damage Liability
Pays for damage you cause to another vehicle, building, or property. The $15,000 minimum often falls short when you total a newer vehicle or hit multiple cars. Maryland does not offer payment plans for out-of-pocket shortfalls — you pay the balance immediately or face a lawsuit.
30/60/15 (must match your liability limits unless waived in writing)
Uninsured Motorist Coverage
Protects you when an at-fault driver has no insurance or insufficient coverage. Maryland automatically includes this at the same limits as your liability unless you sign a rejection form. With approximately 11% of Maryland drivers uninsured — higher in urban areas like Baltimore — this coverage is your only recourse when the other driver cannot pay.
$2,500 minimum (can be waived with written rejection)
Personal Injury Protection (PIP)
Covers your medical expenses and lost wages regardless of fault, providing $2,500 minimum coverage. Maryland allows you to reject PIP in writing, but doing so means you rely entirely on health insurance for accident-related bills. The $2,500 minimum adds roughly $5–$12 per month but can prevent out-of-pocket costs if you lack health coverage.
State-Mandated Minimum Coverage · Maryland

Maryland Minimum Coverage

CoverageMinimum
Bodily Injury (per person)$30,000
Bodily Injury (per accident)$60,000
Property Damage$15,000

License Reinstatement Fee$90

Meeting the state minimum keeps you legal. See whether it's enough — get your Maryland quote.

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Cost Overview

Maryland rates vary significantly by ZIP code due to population density, theft rates, and uninsured driver concentrations. Baltimore City drivers pay 30–50% more than rural Eastern Shore residents for identical coverage. The Maryland Insurance Administration does not set rates but requires insurers to file and justify rate increases publicly.

What Affects Your Rate

  • Baltimore City ZIP codes average 35–45% higher premiums than statewide averages due to higher theft and accident rates.
  • Drivers with one at-fault accident see rate increases of 25–40% for three years in Maryland.
  • Clean driving records for three consecutive years qualify for good driver discounts averaging 15–20%.
  • Vehicles over 10 years old cost 40–60% less to insure for liability-only versus full coverage.
  • Credit-based insurance scores impact Maryland rates by 20–30%, with lower scores paying significantly more.
  • Annual mileage under 7,500 miles qualifies for low-mileage discounts of 5–10% with most carriers.
Minimum Coverage
$95–$145/mo
Includes 30/60/15 liability, $2,500 PIP, and uninsured motorist at state minimums. Provides legal compliance but leaves you financially exposed for your own vehicle damage and injury costs beyond the minimums.
Standard Coverage
$130–$190/mo
Increases liability to 100/300/100 and adds $5,000–$10,000 in medical payments. Reduces lawsuit risk but still excludes collision and comprehensive coverage for your own vehicle.
Full Coverage
$180–$240/mo
Adds collision and comprehensive with a $500–$1,000 deductible to standard liability. Cost-effective only if your vehicle is worth more than 10 times the annual premium increase — typically vehicles valued above $5,000.

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Coverage Types

Liability Insurance

The only legally required coverage in Maryland. Pays for injuries and property damage you cause to others. Does not cover your own vehicle, your own injuries beyond PIP, or damages when you're at fault and underinsured.

Full Coverage

Combines liability, collision, and comprehensive with higher limits. Repairs or replaces your vehicle after accidents, theft, weather, or vandalism minus your deductible.

Uninsured Motorist Coverage

Steps in when an at-fault driver has no insurance or flees the scene. Covers your medical bills, lost wages, and vehicle damage up to your policy limits.

SR-22 Insurance

A certificate of financial responsibility filed with the Maryland MVA, not a separate insurance policy. Required after DUIs, uninsured driving violations, or multiple at-fault accidents.

Collision Coverage

Pays to repair or replace your vehicle after a crash with another car or object, regardless of fault. Requires a deductible, typically $500–$1,000.

Comprehensive Coverage

Covers non-collision damage to your vehicle — theft, vandalism, fire, hail, falling objects, and animal strikes. Includes a deductible.

Find Your City in Maryland

Baltimore, Maryland cityscape and street view

Baltimore

urban
Victorian townhouses on tree-lined residential street with lush green foliage and dappled sunlight

Columbia

suburban
Calm lake water reflecting autumn trees with golden foliage, creating mirror-like reflections on blue water surface

Germantown

suburban
Blooming tree on hillside meadow at sunset with golden light filtering through white blossoms and green landscape

Silver Spring

suburban
Frederick, Maryland cityscape and street view

Frederick

suburban
Stone church with red door, round window, and castellated tower surrounded by green trees

Rockville

suburban
European city street with traditional brick buildings, red tile roofs, and wide roadway on overcast day

Gaithersburg

suburban
Colorful wooden houses lining a narrow residential street with traditional architecture and front porches

Annapolis

urban

Frequently Asked Questions

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