Maryland Auto Insurance Requirements & Rates

Covers medical expenses, lost wages, and legal costs when you injure someone in an at-fault accident. Maryland's $30,000 per-person minimum can be exhausted quickly in serious collisions—average hospitalization costs for auto injuries exceed $50,000 in the Baltimore-Washington corridor. Maryland law allows injured parties to sue for amounts above your policy limits, making higher limits critical.

Pays for damage to other vehicles, structures, and property when you are at fault. The $15,000 minimum falls short when damaging newer vehicles—the average new vehicle price in Maryland exceeds $45,000. Maryland's high concentration of luxury vehicles in Montgomery and Howard counties increases the risk of exceeding this limit in a single accident.

Protects you when hit by a driver with no insurance or insufficient coverage. Maryland is one of only 11 states that mandates this coverage at the same limits as liability, reflecting the state's approximately 11% uninsured driver rate. This coverage also applies to hit-and-run accidents, which are particularly common in Baltimore City and Prince George's County.

Covers medical expenses, lost wages, and funeral costs regardless of fault. While not mandatory in Maryland, insurers must offer PIP with a $2,500 minimum, and policyholders must reject it in writing. Maryland's PIP includes a waiver option if you have qualifying health insurance, reducing premium costs by an estimated 8–12%.

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.

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.

Meets Maryland's 30/60/15 liability requirement plus mandatory uninsured motorist coverage. Offers no protection for your own vehicle and minimal bodily injury coverage—best suited only for drivers with older vehicles and substantial personal assets to cover gaps.

Increases liability to 100/300/100 and adds $2,500 PIP for medical expense coverage. Appropriate for drivers with moderate assets who want protection beyond the minimum but don't require comprehensive physical damage coverage.

Includes collision and comprehensive with a $500–$1,000 deductible, elevated liability limits, and enhanced uninsured motorist protection. Essential for financed vehicles and drivers in high-theft or high-traffic areas like Baltimore, Silver Spring, and Rockville.

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.

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

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

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.

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.

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