Maryland mandates one of the broadest insurance packages of any at-fault state. Transportation Code §17-103 requires 30/60/15 liability, $30,000 bodily injury per person, $60,000 per accident, $15,000 property damage, and every policy must also carry uninsured/underinsured motorist coverage at those same limits. Unlike most states, Maryland does not let you waive the UM coverage at all. Personal injury protection of $2,500 is required too, though the first named insured can waive that piece in writing for a reduced premium.
Maryland is also the only state that runs its own auto insurer: Maryland Auto (the Maryland Automobile Insurance Fund), created by statute as the insurer of last resort for residents the private market turns away. Between the mandatory package and a genuinely layered market, quotes for identical Maryland coverage differ enough that comparing them side by side is the shortest path to knowing your real price.
The figures below explain the policy structure used in Maryland. They do not predict an individual premium. For a broader view of how state rules differ, use our national car insurance directory.
Maryland minimum car insurance requirements
Most quotes begin with liability coverage. Bodily injury liability addresses covered injury claims made by other people when you cause a crash. Property damage liability addresses covered damage to their vehicles or other property. The legal minimum keeps a policy compliant, but it does not say how much financial risk a household can comfortably retain.
- Coverage
- Bodily injury liability, one person
- Required amount or rule
- $30,000
- What it generally addresses
- Covered injuries to one other person
- Coverage
- Bodily injury liability, one accident
- Required amount or rule
- $60,000
- What it generally addresses
- Total covered injuries in one accident
- Coverage
- Property damage liability
- Required amount or rule
- $15,000
- What it generally addresses
- Covered damage you cause to other property
- Coverage
- PIP or medical coverage
- Required amount or rule
- $2,500 PIP required (first named insured may waive it in writing)
- What it generally addresses
- Medical coverage rules vary by policy
- Coverage
- Additional state rule
- Required amount or rule
- UM/UIM coverage of 30/60/15 required in every policy and cannot be waived
- What it generally addresses
- Review the selection or rejection shown on the quote
- Coverage
- Accident framework
- Required amount or rule
- At-fault
- What it generally addresses
- The responsible driver's liability coverage is central
- Coverage
- SR-22 filing
- Required amount or rule
- This state does not use the SR-22
- What it generally addresses
- Applies only when ordered after qualifying events
| Coverage | Required amount or rule | What it generally addresses |
|---|---|---|
| Bodily injury liability, one person | $30,000 | Covered injuries to one other person |
| Bodily injury liability, one accident | $60,000 | Total covered injuries in one accident |
| Property damage liability | $15,000 | Covered damage you cause to other property |
| PIP or medical coverage | $2,500 PIP required (first named insured may waive it in writing) | Medical coverage rules vary by policy |
| Additional state rule | UM/UIM coverage of 30/60/15 required in every policy and cannot be waived | Review the selection or rejection shown on the quote |
| Accident framework | At-fault | The responsible driver's liability coverage is central |
| SR-22 filing | This state does not use the SR-22 | Applies only when ordered after qualifying events |
Source: Maryland Insurance Administration — Required auto insurance
What the state minimum covers, and what it leaves with you
A minimum policy is designed to satisfy state law. It is not designed around the value of your car, the size of a possible injury claim or the amount of savings you want to protect. Those are household decisions, so they need a separate review.
A financed or leased vehicle commonly needs collision and comprehensive coverage under the contract even when state law does not require them. For plain-language definitions and buying context, visit our insurance guides before selecting limits.
Rules and risks that matter in Maryland
State law is only the starting point. These Maryland-specific details show what to confirm before you compare coverage or buy a policy.
The three-part mandatory package
A legal Maryland policy stacks three coverages:
The un-waivable UM/UIM mandate is the distinctive piece. Nationally, 15.4% of drivers were uninsured in 2023 (Insurance Research Council); Maryland's answer is to make sure every insured driver carries their own backstop at 30/60/15 no matter what.
- Liability of 30/60/15, pays the other side's injuries and property damage when you're at fault
- Uninsured/underinsured motorist coverage of 30/60/15, mandatory and cannot be rejected, covering you when the at-fault driver has no insurance or too little
- PIP of $2,500, pays your own medical bills and lost wages regardless of fault; waivable in writing, though household members under 16 remain covered even after a waiver
No SR-22 in Maryland, the FR-19 system
Maryland does not use SR-22 filings for its own drivers. Instead, when the Motor Vehicle Administration needs to verify coverage, after a lapse, an accident, or a flagged registration, it requests an FR-19 Insurance Certification, which only your insurer can issue, confirming your policy was active for the period in question.
The differences matter: an FR-19 is a one-time verification initiated by the state, not a multi-year filing you must maintain, and it carries no filing fee or ongoing lapse-reporting obligation. If another state ordered you to carry an SR-22 for a violation committed there, Maryland won't substitute an FR-19, you still owe that state its filing. Either way, the underlying violation follows your record, and carriers price it differently enough that comparison shopping after an incident routinely uncovers meaningful savings.
Maryland Auto, the insurer of last resort
Drivers who can't find coverage in the private market, often after cancellations or lapses, can turn to Maryland Auto, the state-created insurer that must offer them a policy meeting the 30/60/15 minimums. It receives no state general funds and is meant as a bridge, not a bargain: its rates typically sit above standard-market prices. For most drivers, even those with rough records, the practical takeaway is to exhaust private-market quotes first, since carriers weigh violations very differently.
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Start a Maryland quote requestWhat affects car insurance rates in Maryland?
Average annual expenditure for auto insurance in Maryland was $1,281 in 2022. This is a historical statewide expenditure benchmark from NAIC 2022 Auto Insurance Database Average Premium Supplement (June 2024). It combines many types of drivers and policies, so it should be used for market context rather than as a current quote estimate.
Insurers apply their filed rating plans to the household in front of them. Two neighbors can see different prices, and the same household can receive a wide range from different companies because each insurer weighs the inputs differently.
Garaging location
Claim frequency, traffic, repair costs, theft and weather exposure vary across Maryland ZIP codes.
Drivers and record
Age, driving experience, citations, accidents, claims and continuous insurance history can affect price and eligibility.
Vehicle and use
Repair technology, vehicle value, annual mileage, commute and business use change the potential cost of a claim.
Coverage choices
Liability limits, collision, comprehensive, optional benefits and deductibles determine what the policy is being asked to pay.
Household details
Other licensed drivers, additional vehicles and bundling opportunities can change the account-level price.
Company fit
Insurers target different customer profiles. No one company is consistently cheapest for every driver in every territory.
Before you switch
Read the declarations, not only the price.
The declarations page shows drivers, vehicles, limits, deductibles and selected benefits. Match those fields before deciding that one quote is better.
Learn how a quote becomes a policy →How to compare Maryland car insurance quotes
Keep the drivers, vehicles, limits, deductibles, dates and payment method the same. Then compare the full-term cost and change only one choice at a time.
Compare insurance companies on price, coverage and service
A familiar name is not automatically the best fit. Compare how each insurer sells and services policies, which optional programs it offers and whether it writes your profile in Maryland. Availability and underwriting can vary by state.
See how Progressive sells and services policies →
See how GEICO sells and services policies →
See how State Farm sells and services policies →
See how Allstate sells and services policies →Company marks link to independent editorial reviews. They do not identify quote partners or a personalized match.
Browse all company reviews →Compare car insurance by Maryland city
State law applies across Maryland, but the garaging address can add a more local rating layer. Use a city guide to review ZIP related factors, vehicle details and the quote worksheet, then return here for the state requirement source.
Check the facts
Rules and market data used on this Maryland page
The minimum-coverage table is paired with a first-party state reference, and the legal authority named in the guide is Md. Code, Transportation §17-103; Md. Code, Insurance §19-509 (UM/UIM), §19-505 (PIP); Maryland Insurance Administration. Historical premium context is labeled by year and linked to the underlying publication. These sources do not replace a policy contract or individualized legal advice; rules and forms can change, so confirm current requirements with the regulator, insurer or a licensed professional.
State requirement source
Maryland Insurance Administration — Required auto insurance ↗Official state page listing Maryland's minimum liability, UM/UIM and PIP requirements.
Historical market data
NAIC — 2022 Auto Insurance Database Average Premium Supplement ↗Historical statewide average-expenditure data published by the National Association of Insurance Commissioners in June 2024.
Regulator directory
NAIC — State insurance department directory ↗Directory of state insurance regulators for current consumer guidance, licensing checks and complaints.
Checked by Show my rates · Last updated August 3, 2026
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