Maryland car insurance: minimums, prices and your estimate
Maryland requires at least $30,000 of bodily injury liability per person, $60,000 per accident, and $15,000 of property damage liability (written 30/60/15).
Maryland is an at-fault state, yet every policy must carry uninsured motorist coverage and, unless you waive it in writing, at least $2,500 of personal injury protection. Insurers may use credit history to price a new policy, but not to raise a renewal premium.
Since July 1, 2024, new policies include enhanced underinsured motorist coverage unless you decline it in writing, and under current law it becomes an opt-in choice again on June 30, 2029.
- Legal minimum
- 30/60/15
- Fault system
- At-fault
- Personal injury protection
- Must be offered ($2,500); you can turn it down
- Uninsured motorist
- Required
- Underinsured motorist
- Required
- Credit-based pricing
- Allowed with limits
- Gender-based pricing
- Allowed
- High-risk proof filing
- Check with the MVA
What drivers in Maryland can expect to pay
Monthly ranges from our model, anchored to Maryland's position in 7 published price studies from 2025 and 2026 ($3,391 a year for full coverage and $1,221 for minimum coverage for a standard adult driver; which studies). Suburban ZIP code, mid-size sedan a few years old.
| Driver | Estimated monthly | About per year |
|---|---|---|
| Adult, full coverage35, clean record, 100/300/100, $500 deductibles | $243-$323 | $3,391 |
| Adult, state-minimum coverage35, clean record, only what the law requires | $88-$116 | $1,221 |
| Young driver, full coverage20, own policy, clean record | $453-$678 | $6,782 |
| Senior, full coverage70, clean record | $233-$309 | $3,255 |
| After one at-fault accident35, full coverage | $364-$483 | $5,087 |
| After a DUI35, full coverage | $425-$638 | $6,375 |
| Poor credit35, clean record, full coverage | $324-$467 | $4,747 |
Build your Maryland estimate
Rules worth knowing in Maryland
- Uninsured motorist coverage must match your liability limits, though you can lower it to the state minimum by signing the state's waiver form. It covers injuries and property damage, including when the at-fault driver's coverage is below your uninsured motorist limits.
- If your policy began before July 1, 2024, enhanced underinsured motorist coverage, a separate upgrade, is added at renewal only if you ask for it.
- Personal injury protection pays medical, hospital and disability benefits. Maryland is a fault state, so this coverage does not limit your right to sue.
- Credit history can affect only the price of a new policy, and any credit-based discount or surcharge is capped at 40%. Insurers cannot use it to refuse, cancel or not renew your policy, or to raise your renewal premium.
- Coverage must stay in force even if you do not drive the car. A lapse brings penalties and suspension of your registration by the Motor Vehicle Administration.
- Maryland insurers report your coverage to the Motor Vehicle Administration electronically; if you are told you need an SR-22 or similar filing, the state sets how long you must keep it, so check with the MVA.
Questions about Maryland car insurance
What is the minimum car insurance in Maryland?
Maryland requires at least $30,000 of bodily injury liability per person, $60,000 per accident, and $15,000 of property damage liability (written 30/60/15).
How much is car insurance in Maryland per month?
For a 35-year-old with a clean record, our model puts full coverage at about $243 to $323 a month and state-minimum coverage at about $88 to $116. Age, record, car, ZIP code and the company you choose move the real number a lot.
Is Maryland a no-fault state?
At-fault (tort) state: the driver who causes a crash, and their insurer, pays for the other side's injuries and damage.
Can insurers in Maryland use my credit score?
Yes, within limits set by state law, so better credit usually means a lower price when you buy a new policy.
Do I need an SR-22 in Maryland?
Only if a court or the state requires one, usually after a serious violation or a lapse. Maryland insurers report your coverage to the Motor Vehicle Administration electronically; if you are told you need an SR-22 or similar filing, the state sets how long you must keep it, so check with the MVA.