Maryland car insurance requirements
Every driver in Maryland must carry at least this coverage. It’s an at-fault state: the driver who causes a crash is responsible for the damage.
| Coverage | Minimum required |
|---|---|
| Bodily injury liability | $30,000 per person / $60,000 per accident |
| Property damage liability | $15,000 per accident |
| Personal injury protection (PIP) | $2,500 (can be waived in writing) |
| Uninsured motorist | $30,000 per person / $60,000 per accident, $15,000 property damage |
State minimums protect other people, not you or your car. Most drivers choose higher limits, plus collision and comprehensive if their car is financed or worth repairing.
What Maryland drivers should know
- Maryland requires at least 30/60/15 liability coverage, plus the other coverages in the table. Those limits are low compared with today’s medical and repair costs, so most drivers choose more.
- If private insurers decline you, the Maryland Auto Insurance Fund (MAIF) offers coverage as the insurer of last resort.
- Maryland’s Motor Vehicle Administration fines drivers for every day their insurance lapses.
Home insurance in Maryland
- Coastal homes face hurricanes and nor’easters, and policies near the shore often use separate wind or hurricane deductibles.
- Winter storms, frozen pipes and ice dams cause many claims inland.
Ways to save in Maryland
- Compare several companies. Prices for the same driver and home can vary widely between insurers — comparing is the fastest way to find a better rate.
- Bundle auto and home. Many insurers discount both policies when you buy them together.
- Raise your deductibles if you could comfortably pay more out of pocket after a claim.
- Ask about discounts for safe driving, paying in full, home security devices and newer roofs.