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Maryland Auto Insurance Requirements & Rates

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 under a traditional at-fault tort system, meaning the driver responsible for an accident is liable for damages. The state requires all registered vehicles to carry proof of insurance at all times, and the Maryland Motor Vehicle Administration (MVA) monitors compliance through electronic reporting from insurance companies. Maryland also mandates uninsured motorist coverage at the same limits as liability, a requirement not found in most states.

Bodily Injury Liability

Covers medical expenses, lost wages, and legal costs when you injure someone in an at-fault accident. Maryland law allows injured parties to sue for amounts above your policy limits, making higher limits critical.

Property Damage Liability

Pays for damage to other vehicles, structures, and property when you are at fault. Maryland's high concentration of luxury vehicles in Montgomery and Howard counties increases the risk of exceeding this limit in a single accident.

Uninsured Motorist Coverage

Protects you when hit by a driver with no insurance or insufficient coverage. This coverage also applies to hit-and-run accidents, which are particularly common in Baltimore City and Prince George's County.

Personal Injury Protection (PIP)

Covers medical expenses, lost wages, and funeral costs regardless of fault.

Collision Coverage

Pays for damage to your vehicle after a collision, regardless of fault. Not legally required but typically mandatory for financed or leased vehicles. Maryland's winter weather and the Capital Beltway's congestion contribute to elevated collision rates—I-495 records among the highest accident frequencies per mile in the mid-Atlantic region.

Comprehensive Coverage

Covers non-collision damage including theft, vandalism, weather, and animal strikes. Maryland ranks in the top 15 states for vehicle theft, with Baltimore City reporting over 4,000 stolen vehicles annually. Deer strikes are also prevalent in rural counties—Garrett, Allegany, and Frederick counties see some of the highest deer collision rates on the East Coast.

Cost Overview

about $123/mo

Average car insurance spending in Maryland

Rate data: NAIC Auto Insurance Database, 2023

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Frequently Asked Questions

Is Maryland a no-fault state for car insurance?

No, Maryland is an at-fault tort state. The driver responsible for the accident is liable for damages, and injured parties can sue for amounts exceeding your policy limits. Maryland does require PIP to be offered, but it is not mandatory and does not restrict your right to sue as it would in a true no-fault state.

Coverage Types

Liability Insurance

Covers bodily injury and property damage you cause to others. Maryland's 30/60/15 minimum is often insufficient—serious accidents in the Baltimore-Washington metro frequently result in claims exceeding $100,000.

Full Coverage

Bundles liability, collision, comprehensive, and uninsured motorist into a complete package. Essential for financed vehicles and drivers in high-risk urban areas.

Comprehensive Coverage

Protects against theft, vandalism, weather damage, and animal strikes. Particularly valuable in Maryland given high urban theft rates and rural deer populations.

Uninsured Motorist Coverage

Required in Maryland at the same limits as your liability coverage. Covers your injuries and vehicle damage when hit by an uninsured or underinsured driver.

Collision Coverage

Pays for damage to your vehicle after an accident, regardless of who is at fault. Typically required by lenders and critical in high-traffic areas.

SR-22 Insurance

A certificate of financial responsibility filed with the MVA after serious violations like DUI, reckless driving, or driving uninsured.

Find Your City in Maryland

Baltimore

urban

Columbia

suburban

Germantown

suburban

Silver Spring

suburban

Frederick

suburban

Rockville

suburban

Gaithersburg

suburban

Annapolis

urban