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Maryland Car Insurance Guide

Looking for information about buying auto insurance in Maryland? can help. Here’s everything you need to know about insuring your car, including information on car insurance discounts, licensing and insurance options, minimum coverage requirements for Maryland and other valuable insurance information.

A driver’s license in Maryland requires a certain showing of financial responsibility; usually people show this responsibility by holding a car insurance policy.  Each state has minimum requirements for car insurance.  In Maryland, those minimum levels are:

  • Body Injury Liability: $30,000 for one person; $60,000 total for two or more people
  • Property Damage Liability: $15,000 per accident
  • Uninsured Motorist Coverage: $30,000 for one person; $60,000 for all injuries per accident; $15,000 in property damage.
  • Underinsured motorist: covered under uninsured motorist.
  • Personal Injury Protection: $2,500

For more information on different types of coverage, check out our liability coverage page.

Medical payments, collision insurance, and comprehensive coverage (other than collision) are not required in Maryland.  Just because they aren’t required don’t mean they aren’t a good idea.  Sometime, the cost of an accident is far greater than minimum coverage requirements.  Additional coverage may be beneficial in the long run.  See our Auto Insurance Guides for more information.

Maryland Auto Insurance Discounts

There’s an easy way to save money on your car insurance that most drivers don’t know about: affinity group discounts offered through various Maryland companies and institutions. If you’re an employee or a member of a participating organization, you may qualify for an affinity group discount with one or more major insurance companies.

Maryland Auto Insurance Penalties

Failure to meet the minimum requirements for Texas may result in an array of penalties.  These include:

  • $150 for the first 30 days, followed by $7 for every day you don’t have insurance.
  • $25 additional fee to reinstate your license.
  • Suspension of your registration and license plates.
  • If you provide falsified evidence of insurance, you can be fined up to $1,000 and face up to a year in jail.

Car Registration and Licensing Guide

Read our Maryland Car Registration and Licensing guide to earn what steps you need to take when getting a Maryland driver’s license, registering your car, and more.

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