Maryland Auto Insurance Rates & Requirements
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) liability system, meaning the driver responsible for an accident covers the other party's damages. The state requires all drivers to carry proof of insurance and enforces compliance through the Maryland Insurance Administration's Electronic Insurance Compliance system, which cross-checks registration records with active policies.
Bodily Injury Liability
Property Damage Liability
Uninsured Motorist Coverage
Personal Injury Protection (PIP)
Cost Overview
about $123/mo
Average car insurance spending in Maryland
Rate data: NAIC Auto Insurance Database, 2023
What Affects Your Rate
- The I-95 corridor through Baltimore and the Capital Beltway around Washington D.C. generate concentrated accident claims, pushing rates higher in Anne Arundel, Howard, Montgomery, and Prince George's counties compared to Western Maryland.
Find Out What Your Coverage Should Cost
Compare Rates and Get CoveredFrequently Asked Questions
Is Maryland a no-fault state for auto insurance?
No, Maryland operates under a traditional at-fault (tort) system where the driver who causes an accident is financially responsible for the other party's damages. However, Maryland is unusual among at-fault states in requiring Personal Injury Protection (PIP) coverage, which provides immediate medical payment benefits regardless of fault before liability is determined.
Coverage Types
Liability Insurance
Covers bodily injury and property damage you cause to others in an at-fault accident. Maryland's 30/60/15 minimum leaves you personally liable for damages exceeding those limits — medical bills and vehicle repairs in serious accidents routinely surpass $50,000.
Full Coverage
Combines liability, collision, comprehensive, and uninsured motorist protection into a complete package. Protects both your legal obligation to others and your own vehicle against accidents, theft, weather, and vandalism.
Comprehensive Coverage
Pays for damage to your vehicle from non-collision events including theft, vandalism, weather, fire, and animal strikes. Covers your vehicle's actual cash value minus your deductible regardless of fault.
Uninsured Motorist Coverage
Covers your medical expenses and vehicle damage when an at-fault driver lacks insurance or flees the scene. Underinsured motorist coverage extends this protection when the at-fault driver's limits are insufficient to cover your damages.
Collision Coverage
Pays to repair or replace your vehicle after a collision with another car or object, regardless of who caused the accident. Your insurer pays the actual cash value minus your deductible, then may pursue the at-fault driver's insurance for reimbursement.
SR-22 Insurance
An SR-22 is not separate insurance but a certificate your insurer files with Maryland MVA proving you carry at least minimum required coverage. Required after serious violations like DUI, driving uninsured, or multiple at-fault accidents.