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 system, meaning the driver responsible for an accident pays for damages. The state requires all drivers to carry proof of insurance at all times and mandates electronic reporting from insurers to the Maryland Motor Vehicle Administration. Maryland also requires uninsured motorist coverage at the same limits as liability unless you reject it in writing, a requirement only 10 states enforce.
Bodily Injury Liability
Property Damage Liability
Uninsured Motorist Coverage
Personal Injury Protection (PIP)
Collision and Comprehensive
Cost Overview
about $123/mo
Average car insurance spending in Maryland
Rate data: NAIC Auto Insurance Database, 2023
Compare Before You Renew
Compare Auto Insurance RatesFrequently Asked Questions
Is Maryland a no-fault state for auto insurance?
No, Maryland operates under a traditional at-fault tort system. The driver who causes an accident is responsible for paying damages through their liability coverage. Maryland does offer optional Personal Injury Protection (PIP) that pays your medical bills regardless of fault, but you can waive this coverage, making Maryland fundamentally a tort state unlike true no-fault states like Michigan or Florida.
Coverage Types
Liability Insurance
Covers injuries and property damage you cause to others. Maryland's 30/60/15 minimum is the legal floor, but 100/300/100 limits provide more realistic protection given medical costs and vehicle values in 2025.
Full Coverage
Combines liability, collision, comprehensive, and uninsured motorist coverage into a complete protection package. Repairs your vehicle regardless of fault and covers theft, weather, and animal strikes.
Comprehensive Coverage
Pays for non-collision damage to your vehicle including theft, vandalism, fire, falling objects, and animal strikes. Required by lenders but optional if you own your vehicle outright.
Uninsured Motorist Coverage
Protects you when hit by a driver with no insurance or insufficient coverage to pay for your injuries and damage. Functions as a backup liability policy you hold on other drivers.
Collision Coverage
Repairs or replaces your vehicle after accidents with other cars or objects, regardless of who caused the crash. Required by lenders and essential for protecting your investment in vehicles worth more than a few thousand dollars.
SR-22 Insurance
Not a separate coverage type but a certificate of financial responsibility filed by your insurer to prove continuous coverage after serious violations like DUI or driving uninsured.