Maryland Auto Insurance: Minimums, Costs & Coverage
Maryland requires 30/60/15 liability coverage and is an at-fault state.
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Maryland at a Glance
30/60/15
Minimum liability limits, in thousands of dollars (per person / per accident / property)
At-fault
The at-fault driver's insurance pays for the damage they cause
Required
PIP and Uninsured motorist coverage must be on every policy
Source: state DMV, insurance department and statute records, verified July 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.
Bodily Injury Liability
Property Damage Liability
Uninsured Motorist Coverage
Personal Injury Protection (PIP)
Cost Overview
$88–$193/mo
Typical monthly rate in Maryland, minimum-coverage policies
Rate data: NerdWallet, ValuePenguin and Insurify, 2026
Find the Lowest Rate That Still Protects You
Find Your Lowest RateFrequently Asked Questions
What liability limits should I carry in Maryland?
Maryland's 30/60/15 minimums are often insufficient for serious crashes — a single hospitalization or totaled SUV can exceed these limits, leaving you personally liable. Industry guidance suggests 100/300/100 for drivers with assets to protect, but cost-conscious drivers on tight budgets may prioritize the legal minimum and accept the financial exposure risk.
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.