Maryland car insurance: requirements & free quotes
Maryland requires 30/60/15 liability, uninsured motorist coverage and personal injury protection, though PIP can be waived. It is an at-fault state, and heavy traffic in the Baltimore–Washington corridor drives much of its accident risk.
Minimum coverage in Maryland
$30,000
Bodily injury per person
$60,000
Bodily injury per accident
$15,000
Property damage
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)
Uninsured motorist coverage (bodily injury and property damage) at the liability minimums
Shown as 30/60/15 + PIP 2,500 + UM. State minimums only cover others when you're at fault — they don't pay to repair your own car. Read how much car insurance you really need.
Ways to save on car insurance in Maryland
- Keep PIP unless you have strong health coverage, since it pays your own costs regardless of fault.
- Consider raising uninsured motorist limits above the minimum.
- Higher liability limits are worth pricing for heavy I-95 and Beltway commuting.
- Avoid gaps in coverage, which Maryland's MVA monitors and penalizes.
We connect drivers across Maryland
Including Baltimore, Columbia, Germantown, Silver Spring and Frederick — and smaller towns in between. Availability depends on agencies serving your ZIP code.
Maryland car insurance FAQ
No. Maryland is an at-fault (tort) state, which means the driver who causes an accident — through their liability insurance — is responsible for the other people's injuries and property damage.
Compare quotes from several insurers, ask about discounts (bundling, safe driver, paperless, good student), raise your deductible if you have savings to cover it, and keep a clean driving record. A local agent can shop multiple insurance companies for you at once.