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Maryland Auto Insurance Requirements & Rates

Maryland requires minimum liability coverage of 30/60/15 — $30,000 per person for bodily injury, $60,000 per accident, and $15,000 for property damage. Average premiums range from $115–$160/month for minimum coverage and $180–$240/month for full coverage, based on available industry data; individual rates vary.

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Updated May 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.

Maryland cityscape and street view
30/60 ($30,000 per person, $60,000 per accident)
Bodily Injury Liability
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.
$15,000 per accident
Property Damage Liability
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.
30/60/15 (must match liability limits)
Uninsured Motorist Coverage
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.
$2,500 minimum available (not required unless requested)
Personal Injury Protection (PIP)
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%.
Not required
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.
Not required
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.
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 insurance rates are shaped by dense urban corridors, high uninsured driver rates, and significant variation between jurisdictions. Baltimore City drivers typically pay 40–60% more than those in rural Western Maryland counties due to theft, vandalism, and accident frequency. The Baltimore-Washington metro area's traffic congestion and higher median vehicle values also drive up collision and comprehensive premiums.

What Affects Your Rate

  • Urban vs. rural location: Baltimore City drivers pay an average of $210–$280/month while those in Garrett County average $95–$125/month for the same coverage.
  • Uninsured motorist exposure: Maryland's 11% uninsured driver rate increases premiums by an estimated $80–$120 annually compared to states with universal compliance.
  • Credit-based insurance scoring: Maryland allows credit history to influence rates, with poor credit increasing premiums by 30–70% compared to excellent credit profiles.
  • Vehicle theft rates: Baltimore ranks among the top 25 U.S. cities for auto theft, adding $150–$250/year to comprehensive premiums in high-risk ZIP codes.
  • Commute patterns: Drivers commuting into Washington, D.C., via I-270 or the Capital Beltway face 15–25% higher collision premiums due to elevated accident frequency.
  • Young driver surcharges: Adding a 16–19-year-old driver in Maryland increases family policy premiums by an average of $2,200–$3,400/year, higher than the national average due to the state's dense traffic environment.
Minimum Coverage
$115–$160/mo
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.
Standard Coverage
$145–$200/mo
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.
Full Coverage
$180–$240/mo
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.

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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, 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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