Car Insurance Requirements in Maryland for 2025 (Minimum Coverage for MD Drivers)

Car insurance requirements in Maryland mean every driver must have liability coverage, uninsured/underinsured motorist protection, and personal injury protection (PIP).

The state sets minimum coverage limits to help cover accident costs, but many drivers get higher limits for better protection. Shopping around is the best way to find affordable rates. Travelers offers the cheapest car insurance in Maryland, followed by State Farm and American Family.

Maryland Minimum Car Insurance Coverage Requirements & Limits

Knowing Maryland auto insurance laws, understanding the penalties for driving without coverage, and comparing policies can help you stay legal and save money.

Affordable car insurance rates are just a click away. Enter your ZIP code into our free quote tool to find the best policy for you.

Maryland Minimum Coverage Requirements & What They Cover

Maryland requires all drivers to have state minimum liability insurance in Maryland to stay legal on the road. The minimum car insurance coverage in Maryland includes $30,000 for injuries per person, $60,000 per accident, and $15,000 for property damage.

These amounts help cover medical bills and repairs if you’re at fault in an accident, but they might not be enough in a serious crash. That’s why it’s a good idea to check Maryland’s car insurance requirements and consider higher coverage for better protection.

Since accidents can be expensive, increasing your coverage can save you from paying out of pocket. Knowing Maryland car insurance laws and comparing different policies can help you find the right balance between affordability and protection. Ensure you have enough coverage for safety and financial protection.

Additionally, Maryland requires uninsured/underinsured motorist coverage of $30,000 per person and $60,000 per accident to protect you if an at-fault driver lacks enough insurance. Personal injury protection (PIP), with a $2,500 minimum, covers medical expenses and lost wages, no matter who is at fault.

These minimums are just a starting point. Reviewing your driving habits and financial situation can help you decide if additional coverage is needed for better protection.

Read more: Best Liability-Only Car Insurance

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Cheapest Car Insurance in Maryland

If you’re looking for cheap car insurance in Maryland, Travelers has the lowest rates, followed by State Farm. Your cost depends on where you live, your driving history, and the Maryland auto insurance requirements.

Drivers must have at least the Maryland state minimum auto insurance, which is $30,000 per person, $60,000 per accident for injuries, and $15,000 for property damage. These limits follow Maryland auto insurance laws and help protect you in case of an accident.

Rates change by city. Baltimore drivers pay $97 a month, while Cumberland has the cheapest monthly rate at $76. No matter where you live, you must meet the minimum auto insurance coverage in Maryland to drive legally.

Maryland Min. Coverage Car Insurance Monthly Rates by City

If you don’t, you could face fines or a suspended license. Shopping around and comparing quotes is the best way to find a policy that meets Maryland’s minimum car insurance requirements at the best price.

Read more: Cheap Car Insurance for 18-Year-Old Drivers 

Types of Required Car Insurance in Maryland

When it comes to car insurance coverage in Maryland, there are three mandatory types of coverage that you must have:

Liability Insurance

Liability insurance is an important part of your car insurance because it helps pay for injuries or property damage if you cause an accident. It protects you financially if you’re found at fault. Maryland minimum car insurance coverage requires at least $30,000 for bodily injury per person, $60,000 per accident, and $15,000 for property damage.

Having liability insurance not only protects your finances but also gives you peace of mind knowing accident costs will be covered. This is especially important in busy areas where accidents happen more often.

This coverage helps both the victim and the at-fault driver. If you cause a serious accident with major injuries or property damage, the costs could be overwhelming. Without liability insurance, you would have to pay out of pocket, which could lead to financial trouble.

Read more: Liability Limits: 250,000/500,000 vs 500,000/500,000 

Uninsured/Underinsured Motorist Coverage

Uninsured/underinsured motorist coverage protects you if you’re in an accident with a driver who has no insurance or not enough to cover your injuries or property damage. Maryland auto insurance laws require at least $30,000 for bodily injury per person and $60,000 per accident.

While liability insurance covers damage when you’re at fault, uninsured/underinsured motorist coverage helps when the other driver is at fault but doesn’t have enough insurance. Sadly, many drivers either have no insurance or only carry the minimum required. If you’re injured or your car is damaged, this coverage makes sure your insurance helps pay the costs.

This type of coverage is also helpful in hit-and-run accidents where the driver cannot be found. It keeps you from being stuck with the costs of an accident caused by someone else’s mistake.

Personal Injury Protection (PIP)

Personal injury protection (PIP) coverage helps pay for medical expenses, lost wages, and other costs for you and your passengers after an accident, no matter who was at fault. Maryland auto insurance laws require at least $2,500 in PIP coverage.

Unlike regular health insurance, PIP coverage gives you fast access to medical care without waiting to prove who was responsible for the accident. This is especially helpful if you need treatment right away.

Besides medical bills, PIP coverage can also help cover lost wages if you’re too hurt to work. It acts as a safety net, making sure you and your passengers have financial support while you recover.

Understanding the different types of required car insurance in Maryland is crucial for every driver. By having the mandatory coverage in place, you can drive with confidence, knowing that you are protected financially in case of an accident.

Remember, having insurance isn’t just the law—it’s the right thing to do. It helps keep you, your passengers, and others on the road safe.

Other Coverage Options to Consider in Maryland

Maryland also offers several optional types of car insurance coverage, including comprehensive, collision, and rental car coverage.

Comprehensive coverage protects you against non-collision-related incidents, such as theft, vandalism, or damage caused by natural disasters. Collision coverage, on the other hand, covers the cost of repairs or replacement if your vehicle is damaged in a collision with another vehicle or object.

Rental car coverage is an optional add-on that provides reimbursement for renting a vehicle while your car is being repaired due to an accident. This coverage can be beneficial if you rely on your car for daily transportation and cannot afford to be without a vehicle for an extended period.

Understanding the mandatory and optional car insurance coverage options in Maryland is crucial for ensuring that you have adequate protection on the road. By familiarizing yourself with these requirements and considering your individual needs, you can make an informed decision when selecting a car insurance policy.

Read more: 10 Best Auto Insurance Companies for Comprehensive Coverage

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Penalties for Driving Without Insurance in Maryland

Driving without insurance in Maryland is a serious offense and can result in significant penalties. It is crucial to be aware of the consequences to avoid unnecessary legal troubles and financial strain.

When you drive without insurance in Maryland, you not only put yourself at risk but also endanger other road users. Insurance coverage is essential as it provides financial protection in case of accidents, ensuring that the injured parties receive the necessary medical care and compensation.

Let’s take a closer look at the penalties you may face if caught driving without insurance in Maryland:

Fines and Penalties

If you’re caught driving without insurance in Maryland, you could face fines up to $1,000 for the first offense and up to $2,000 for later offenses. These fines can be a big hit to your wallet, and they come on top of any costs from an accident or damages.

The court can also suspend your car registration and driver’s license, so you can’t legally drive in Maryland until they are restored. Avoiding these sanctions is dependent on having the necessary insurance coverage.

Read more: Get Low-Cost Car Insurance With Driver Discounts

Suspension of Registration and License

In Maryland, driving without insurance can get your vehicle registration and driver’s license suspended. The suspension period depends on your past offenses and other factors considered by the court.

During this time, you can’t legally drive, and driving with a suspended license can lead to even bigger penalties, including fines and possible jail time. To avoid this, make sure you have Maryland minimum auto insurance coverage and follow state laws to keep your license and registration active.

Read more: Full Coverage Auto Insurance

Reinstating Your License and Registration

If your license or registration was suspended for driving without insurance, you’ll need to meet the Maryland vehicle insurance requirements to get them back. This usually means paying fines, showing proof of insurance, and completing any steps required by the Maryland Motor Vehicle Administration.

Reinstating your license isn’t always quick, so it’s important to follow all the instructions carefully. If you don’t meet the Maryland car insurance minimums, you could face more delays and penalties.

Driving without insurance isn’t just illegal. It can also cost you a lot of money. Understanding Maryland vehicle insurance requirements helps you stay covered and avoid serious trouble.

Driving without insurance in Maryland can result in heavy fines and license suspension. To stay legal and protected, make sure you meet Maryland vehicle insurance requirements and have Maryland minimum auto insurance coverage.

Read more: How Insurance Companies Calculate Your Car Insurance Rates

Understanding Maryland’s Car Insurance Laws

In Maryland, the Maryland Insurance Administration (MIA) makes sure car insurance companies follow the law and protect consumers.
Maryland auto insurance laws require drivers to have certain types of coverage, but there are also optional coverages you can add for extra protection. Knowing the difference can help you choose the right coverage for your needs.

The Role of the Maryland Insurance Administration

The Maryland Insurance Administration (MIA) ensures that insurance companies follow the law and treat drivers fairly. It enforces car insurance requirements in Maryland, licenses insurers, and monitors the market to protect consumers. The MIA also works with law enforcement to stop fraud and scams that could hurt drivers.

By making sure insurers follow Maryland auto insurance requirements, the MIA helps drivers get fair prices and reliable coverage. It also helps people who have issues with their insurance company by handling complaints.

Without the MIA, some companies might take advantage of drivers, making insurance more costly or unfair. The agency plays a big role in keeping Maryland’s insurance system fair, affordable, and safe for everyone on the road.

Read more: What You Should Know About Auto Insurance

Mandatory Car Insurance Coverage in Maryland

Maryland law requires drivers to meet the minimum requirements for Maryland auto insurance, which include liability insurance, uninsured/underinsured motorist coverage, and personal injury protection (PIP) coverage.

Liability insurance covers injuries or property damage you cause in an accident. Having at least the Maryland state minimum car insurance is required to drive legally and avoid fines.

Uninsured/underinsured motorist coverage helps if you’re hit by a driver who has no insurance or not enough coverage. Following Maryland auto insurance laws and regulations, this coverage protects you from paying out of pocket for damages.

PIP coverage helps cover medical bills and lost wages, no matter who is at fault. Businesses must also follow Maryland business insurance requirements for company-owned vehicles. Knowing these requirements helps drivers and businesses stay legal and protected on the road.

Read more: Best Car Insurance for Safe Drivers in Maryland

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