Maryland Car Insurance Requirements (2024)

Maryland drivers must purchase minimum amounts of bodily injury and property damage liability coverage following the 30/60/15 rule.
Written by Kornelia Drianovski
Edited by Jessica Barrett
Maryland car insurance policies
must include
liability insurance coverage
, often summarized as 30/60/15—$30,000 of
bodily injury liability
per person, $60,000 of bodily injury liability per accident, and $15,000 of
property damage liability insurance
per accident. Maryland drivers must also carry 30/60/15 of
uninsured/underinsured motorist coverage

Maryland car insurance requirements

If you’re driving a motor vehicle in the state of Maryland, state law requires that you carry the following coverage limits: 
$30,000 of bodily injury liability insurance per person
$60,000 of bodily injury liability insurance per accident
$15,000 of property damage liability insurance per accident
$30,000 of uninsured motorist coverage per person
$60, 000 of uninsured motorist coverage per accident
$15,000 of uninsured motorist property damage per accident
Keep in mind: Although
personal injury protection (PIP)
medical payments coverage
aren’t required in Maryland, car insurance companies are legally required to offer you the chance to buy them.
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Is minimum auto insurance coverage the most cost-effective option?

Liability insurance protects you against lawsuits from injuries and damage to other people or property if you are at fault for a car accident. 
Liability insurance covers medical expenses and damages for the other driver, but it won’t pay for your medical bills or vehicle damage. That’s why increasing your car insurance limits is recommended for greater protection.
  • Increase your bodily injury liability limits to at least $100,000 per person and $300,000 per accident
  • Buy at least $100,000 of property damage liability coverage
  • Purchase comprehensive and collision coverage to cover your costs if your vehicle needs repair
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If you’re shopping for insurance with
, you can adjust your coverage options to see how increasing your liability limit or adding full coverage options like collision and comprehensive will impact your auto insurance rate.
Raise your liability limits and turn on full coverage with high deductibles to find affordable coverage with maximum protection.

How much does car insurance in Maryland cost?

The average minimum liability car insurance policy in Maryland costs $172 per month or $2,068 per year. The average full-coverage car insurance policy costs $233 per month or $2,802 per year.
But remember: Car insurance companies in Maryland use several rating factors when
calculating car insurance premiums
, some of which include age, driving record, driving experience, coverage requirements, vehicle type, vehicle age, and ZIP code. Because driving profiles differ between individuals, car insurance rates will also vary between drivers and insurance providers. If you want to reduce your monthly car insurance payments, consider taking a
defensive driving course
qualifying for discounts
, or increasing your
insurance deductible
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You can request quotes directly from insurance companies or work with a local agent—or Jerry’s quote comparison app can simplify that process for you with quick custom quotes.
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Keep in mind: If you’re leasing or financing a car, your lender will require you to buy
full coverage auto insurance
that covers damage to the vehicle. Your leasing company will also require you to increase your liability limits to 100/300/50.

Optional coverages in Maryland

We’ve just described the absolute minimum requirements, but adding collision and comprehensive coverage to your policy is almost always a good idea. 
Here are a few additional coverages to check out: 
  • Collision insurance
    : Pays for damage done to your car, whether in a car accident or with a stationary object.
  • Comprehensive insurance
    : Provides coverage for damage caused by non-collision events like severe weather, theft, vandalism, and more.
  • Personal injury protection (PIP)
    : PIP coverage helps pay for medical bills, rehabilitation costs, lost wages, and funeral expenses for policyholders, family members, and passengers after a car accident, regardless of who’s at fault. This coverage can overlap with health insurance.
  • Medical payments (MedPay):
    Like PIP, this pays for medical expenses for you and your passengers, but with more limitations. It can be more affordable than PIP.
  • Uninsured/underinsured motorist coverage:
    This add-on coverage pays for your medical bills if you’re in a car accident with an at-fault driver who doesn’t have enough (or any) insurance. 
  • Gap insurance
    : If you’re leasing or financing a new car that is totaled, gap insurance pays for the difference between its
    actual cash value
    and how much you still owe on your
    car loan
  • Roadside assistance coverage: This handy coverage, also known as
    towing and labor coverage
    , pays for services like fuel delivery, battery jumpstarts, and locksmith services.

Penalties for driving without insurance in Maryland

Maryland takes uninsured driving very seriously and imposes harsh penalties. If it’s your second or subsequent offense, you’ll face more jail time and could lose your driver’s license or vehicle registration. 
Here’s a breakdown of the penalties for driving without insurance in Maryland:
First offense
Repeat offenses
Up to $1000, plus $150 administrative fees for the first 30 days (with an extra $7 per day after that)
Up to $1000, plus $150 administrative fees for the first 30 days (with an extra $7 per day after that)
Jail time
Up to one year in jail
Up to two years in jail
Driving privileges
License and/or vehicle registration suspension
Reinstatement requirements
Proof of car insurance; $25 restoration fee for vehicle registration 
Proof of car insurance; $25 restoration fee for vehicle registration 
Adds five points to your license
Adds five points to your license
Keep in mind: Unlike other states, uninsured drivers aren’t required to buy
SR-22 insurance
to reinstate driving privileges. Instead, you might be required to file an FR-19, which is a similar form that your new insurance provider files with the Motor Vehicle Administration (MVA).


What are the Maryland car insurance requirements?

Your insurance policy has to have the minimum 30/60/15 liability coverage along with uninsured/underinsured 30/60/15 coverage. It’s recommended to have higher amounts of coverage, but these amounts meet the state requirements.

Does Maryland require all drivers to have automobile liability insurance?

Maryland law requires that all drivers carry liability coverage that adheres to the state's minimum auto insurance requirements. That means carrying a minimum of $30,000 bodily injury liability coverage per person, $60,000 per accident, and $15,000 of property damage liability per accident.

Can you own a car without insurance in Maryland?

No, it’s against the Financial Responsibility Law to drive without insurance—and you’re even required to have insurance to register your car.

What type of car insurance coverage is mandatory in Maryland?

The state requires you to carry liability insurance, which pays for damages to others if you get into a car accident. Maryland also requires you to have uninsured/underinsured motorist coverage to pay for your damages or medical bills if you’re in an accident with a driver who doesn’t have any or enough insurance.

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