Maryland Car Insurance Requirements

Minimum Coverage Requirements

Maryland requires drivers to carry minimum liability insurance of 30/60/15 — meaning $30,000 per person for bodily injury, $60,000 per accident for bodily injury, and $15,000 for property damage. Personal Injury Protection (PIP) is also required, covering medical expenses regardless of fault.

Average Car Insurance Costs in Maryland

Drivers in Maryland typically pay approximately $1,780 per year ($148/month) for car insurance, based on 2026 industry average data.

Car Insurance Rates by City in Maryland

State Regulations and Key Rules

Maryland is a no-fault state requiring PIP coverage. Uninsured motorist coverage is also required. The state uses a contributory negligence rule, which is strict — if a driver is even 1% at fault, they may be barred from recovering damages.

What Makes Maryland Unique

Maryland's contributory negligence rule is among the strictest in the nation. Even minor fault in an accident can prevent recovery of damages, making higher liability limits and comprehensive coverage more important.

Uninsured Drivers in Maryland

Approximately 14.1% of drivers in Maryland are estimated to be uninsured.

Risk Factors Specific to Maryland

Baltimore has elevated vehicle theft and vandalism rates compared to the rest of Maryland. Chesapeake Bay coastal areas face flooding from nor'easters and tropical storms. I-95 and the Beltway see high accident frequency during rush hour.

What Maryland’s Minimum Actually Covers

Maryland’s minimum is 30/60/15: $30,000 per injured person, $60,000 total per accident for injuries, and $15,000 for property damage. With new vehicles averaging roughly $50,000, the $15,000 property damage limit would leave about $35,000 unpaid if you totaled an average new car — and that gap becomes your personal debt. On the injury side, a single hospital admission after a serious crash can exceed $30,000 quickly; anything above the limit can be pursued from your assets and future wages.

No-Fault, PIP, and Required Add-Ons in Maryland

Maryland is an at-fault state, meaning the driver who caused the crash (through their insurer) pays for the other party’s injuries and damage — but it also requires $2,500 of PIP (which can be waived), which pays your own medical costs regardless of fault. Maryland also requires UM/UIM including property damage coverage, which pays when the at-fault driver has no insurance or too little.

How Maryland Compares: Uninsured Drivers and Price

An estimated 14.1% of Maryland drivers are uninsured — roughly 1 in 7 — a middle-of-the-pack uninsured rate. At that rate, uninsured motorist coverage is one of the most valuable add-ons you can buy.

Our average premium estimate of $1,780 a year puts Maryland above the national middle in our 50-state estimates (median $1,395).

How to Save on Car Insurance in Maryland

Baltimore has significantly higher rates than Maryland suburbs — drivers who move to suburban areas should update their garaging address promptly. Maryland's contributory negligence system makes dashcams particularly valuable for documenting fault. Multi-policy discounts with home insurance are effective across the state.

• Maryland's minimum liability requirement of 30/60/15 is the legal floor, not a safe target — since Maryland already requires PIP coverage, review whether that limit alone would cover a serious injury claim.
• With an estimated 14.1% of Maryland drivers uninsured, carrying uninsured/underinsured motorist coverage above the state minimum is one of the highest-value add-ons you can buy.

Frequently Asked Questions

What is the minimum car insurance in Maryland?

30/60/15: $30,000 of bodily injury liability per person, $60,000 per accident, and $15,000 of property damage liability.

Is Maryland a no-fault state?

No. Maryland is an at-fault state, so the driver who causes an accident is responsible for the resulting injuries and damage, usually through their liability insurance.

Is uninsured motorist coverage required in Maryland?

Yes. Maryland requires UM/UIM including property damage coverage.

How many drivers are uninsured in Maryland?

An estimated 14.1% of Maryland drivers are uninsured, roughly 1 in 7.

The information on this page is provided for general informational purposes only and reflects estimated industry averages and state requirements as of 2026. Insurance regulations and rates change periodically; always verify current requirements with your state's department of insurance or a licensed insurance professional before making coverage decisions. City-level and statewide premiums shown are approximations — individual rates will vary based on personal factors.