Car Insurance in Maryland
Maryland requires drivers to carry at least 30/60/15 in liability coverage, plus uninsured/underinsured motorist coverage at 30/60. Maryland also includes $2,500 in personal injury protection (PIP), though drivers can waive it in writing.
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Maryland at a glance
Data as of 2023Average cost
$1,477/yr
≈ $123/mo
vs U.S. average
+15%
above the national avg of $1,282/yr
Required minimums
30/60/15
+ $2.5K PIP
Source: NAIC (2023). Annual average expenditure per insured vehicle.
Maryland requires drivers to carry at least 30/60/15 in liability coverage, plus uninsured/underinsured motorist coverage at 30/60. Maryland also includes $2,500 in personal injury protection (PIP), though drivers can waive it in writing.
As an at-fault state, the driver who causes a crash is responsible for the damages. Comparing quotes is the easiest way to meet Maryland’s requirements affordably.
Maryland minimum car insurance requirements
Maryland requires $30,000 of bodily injury liability per person, $60,000 per accident, and $15,000 in property damage liability, plus uninsured/underinsured motorist coverage at 30/60. PIP of $2,500 is included unless you waive it in writing.
Maryland requires uninsured/underinsured motorist coverage at 30/60. PIP ($2,500) is required but can be waived in writing by drivers 16+.
How much does car insurance cost in Maryland?
The average driver in Maryland pays $1,477 per year for auto insurance — that's 15% above the U.S. national average of $1,282/yr. Higher-than-average rates often reflect denser traffic, higher claim severity, or stricter state coverage requirements.
Maryland vs the national average
15% above the national average of $1,282/yr.
Source: NAIC (2023). Annual average expenditure per insured vehicle.
How Maryland premiums have changed since 2019
Auto insurance costs in Maryland have risen 20% over the past five years. The 2022–2023 jump mirrors a national trend: rising repair costs (vehicle complexity and parts inflation), more frequent severe accidents, and higher litigation costs pushed premiums up faster than overall inflation.
5-year trend: Maryland vs national average
Maryland is up 20% from $1,232 in 2019 to $1,477 in 2023.
Source: NAIC Auto Insurance Database Report (2022/2023), Table 4 — Average Expenditure.
Types of car insurance coverage
A Maryland policy is built from a few core coverages. Liability is required; the rest are optional but often worth it.
| Coverage | What it covers | Required? |
|---|---|---|
| Liability | Injuries and property damage you cause to others | Required (state minimum) |
| Collision | Repairs to your own car after a crash | Optional* |
| Comprehensive | Theft, fire, weather, vandalism, animal strikes | Optional* |
| Uninsured motorist | Your costs if the at-fault driver has no insurance | Varies by state |
*Collision and comprehensive are usually required by your lender if you lease or finance your vehicle.
Driving without car insurance in Maryland
Driving uninsured in Maryland can be costly. Penalties typically include fines, suspension of your license and registration, and reinstatement fees. If you cause an accident while uninsured, you can also be held personally responsible for the other party's injuries and damage. You may also be required to file an SR-22 certificate to reinstate your license.
How to find cheaper car insurance in Maryland
Rates for the same driver can vary widely between insurers in Maryland, so comparing several quotes is the most effective way to save. A few other ways to lower your premium:
- Raise your deductible if you can cover it in a claim
- Ask about every discount you qualify for
- Keep a clean driving record and good credit (where the state allows it as a rating factor)
- Reconsider collision and comprehensive on an older vehicle
For more, see our guides on how to lower your premium and what affects your rate.
Coverage requirements last verified May 28, 2026. Always confirm current minimums with your state’s Department of Insurance.
Maryland car insurance FAQs
Common questions about auto insurance in Maryland
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