Updated March 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.
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.
Find the minimum coverage that meets your state's requirements
Compare liability-only rates from carriers in your state — and see what discounts you qualify for.
Get Your Free QuoteCoverage 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.
