Maryland Auto Insurance Guide
From Baltimore beltway traffic to scenic drives along the Chesapeake Bay, Maryland drivers face a wide range of road conditions throughout the year. Having the right Maryland auto insurance can help protect you financially after an accident, storm-related damage or another covered loss.
Maryland auto insurance requirements set a starting point, but many drivers choose broader protection based on their vehicle, commute, budget and comfort with risk. Understanding the state minimums, optional coverages and common rate factors makes it easier to decide how much car insurance you may need in Maryland.
What auto insurance is required?
In Maryland, drivers are required to carry the following minimum auto insurance coverages.
Maryland minimum liability coverage limits
| Coverage type | Minimum limit in Maryland | What it helps cover |
|---|---|---|
| Bodily injury liability | $30,000 per person / $60,000 per accident / $75,000 combined single lilmit | Injuries you cause to others in an at-fault accident |
| Property damage liability | $15,000 per accident | Damage you cause to another person’s vehicle or property |
| Uninsured motorist bodily injury | $30,000 per person / $60,000 per accident | Your injuries if an at-fault driver has no insurance or not enough insurance |
| Uninsured motorist property damage | Damage to your vehicle caused by an uninsured or hit-and-run driver, subject to a $250 deductible and your vehicle's actual cash value. | Damage to your vehicle caused by an uninsured or unidentified driver |
| Personal injury protection (PIP) | $2,500 per accident | Medical expenses, lost wages and certain related costs regardless of fault |
These are only the Maryland minimum requirements. Many drivers choose higher limits because the state minimums may not be enough to cover a serious accident. To learn more, read how much car insurance you need.
Additional coverages to consider
State minimums may meet legal requirements, but they don’t cover every common situation. Many Maryland drivers consider optional coverages such as:
| Coverage | Required in Maryland? | Why it matters |
|---|---|---|
| Collision coverage | No | May help repair your vehicle after a covered crash, regardless of fault |
| Comprehensive coverage | No | May help with covered non-collision losses like theft, vandalism or falling objects |
| Medical payments coverage | No | May help cover medical expenses for you and your passengers after a covered accident |
| Rental reimbursement | No | May help with transportation costs while your vehicle is being repaired after a covered claim |
| Roadside assistance | No | May help with towing, lockouts, jump starts and similar roadside problems |
How Maryland drivers can customize coverage
After reviewing required and optional coverages, many Maryland drivers compare how much protection they want against what they’re comfortable paying. YourPlan lets you review coverage approaches based on what drivers often choose, then adjust from there to best fit your needs and budget.
- Essential
May appeal to drivers looking for foundational protection without many added features. - Advantage
May be a better fit if you want more flexibility and support for situations like roadside issues or broader vehicle protection. - Signature
May suit drivers who want broader protection and fewer potential coverage gaps.
If you want to compare quotes more carefully, exploring how to compare quotes can help you look beyond price alone.
What affects car insurance rates in Maryland?
Maryland car insurance rates can be shaped by several factors, including:
- Driving history: Accidents, violations and claims can increase premiums
- Vehicle type: Repair costs, theft risk and safety features can affect pricing
- Coverage choices: Higher limits and more optional coverages usually raise premiums
- Claims in your area: Local accident frequency, theft and weather patterns can influence rates
- Location: Densely populated areas may have different risks than suburban or rural parts of Maryland
Save more with discounts
Amica offers various auto insurance discounts that may help lower premiums for eligible Maryland drivers1.
- Family-related discounts: Young driver training and good student discounts may be available for qualifying households.
- Driving-related discounts: Claim-free history may help some drivers save.
- Vehicle equipment discounts: Certain safety systems like forward-collision warning or adaptive headlights may qualify.
- Payment-related discounts: AutoPay, paperless delivery and paying in full may also help eligible policyholders reduce costs.
To explore your options, find out about auto insurance discounts and bundling opportunities.
Driving facts to keep in mind
- Maryland has a Rookie Driver program for all new drivers in the state, regardless of age. New drivers must complete the program before they receive a full Maryland driver’s license.2
- When in an accident, Maryland law requires you stop, exchange information and render aid.3
- It’s the law in Maryland for drivers to turn on their headlights when the windshield wipers are in use.2
How to get auto insurance in Maryland
If you’re ready to compare options, here’s a simple way to approach the process:
- Review your coverage needs:
Start with Maryland’s required liability limits, then think about whether you want higher limits or optional protections for your vehicle, medical costs or roadside issues. - Look for savings opportunities:
Eligible discounts, bundling and payment options may all affect your final premium. - Get a quote:
You can get a quote online or call 800-242-6422 to speak with a representative.
Taking a little extra time to compare limits, deductibles and optional coverages can help you build a car insurance policy that better matches how and where you drive.
Get an auto insurance quote today
FAQs about car insurance in Maryland
Maryland is generally an at-fault state for liability claims, but it also requires personal injury protection to help cover certain expenses regardless of fault.
Maryland requires bodily injury liability of $30,000 per person and $60,000 per accident, property damage liability of $15,000 per accident, uninsured motorist coverage and personal injury protection. A $75,000 combined single lilmit is also considered state liability minimum limit.
Auto insurance costs in Maryland vary based on your driving history, vehicle, location, coverages and other rating factors. Getting a personalized quote is the best way to estimate your cost.
Many drivers choose more than the Maryland minimums, especially if they want higher liability protection or help paying for damage to their own vehicle after a covered loss.
1Discounts not available in all states and may vary.
2Rookie Driver Program.
3Info for Parents, Teen Drivers and Their Passengers.
Your Policy, Policy Declarations or Amended Declarations in effect on the date of loss is the primary source of reference for your coverage, coverage limits and deductible amounts.
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