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Maryland Auto Insurance: Minimums, Costs & Coverage

Maryland requires 30/60/15 minimum liability coverage — $30,000 per person, $60,000 per accident for bodily injury, and $15,000 for property damage. Cost-conscious drivers pay $95–$145/month for minimum coverage, while full coverage averages $180–$240/month based on available industry data.

Liability Coverage — insurance-related stock photo

Updated March 2026

State Requirements

Maryland operates as a tort-based liability state, meaning the at-fault driver is responsible for damages. All drivers must carry proof of insurance and display it upon request by law enforcement or during vehicle registration. The Maryland Motor Vehicle Administration (MVA) can suspend your registration and license for driving uninsured, with reinstatement fees up to $150 plus a mandated three-year SR-22 filing requirement.

Cost Overview

Maryland rates vary significantly by ZIP code due to population density, theft rates, and uninsured driver concentrations. Baltimore City drivers pay 30–50% more than rural Eastern Shore residents for identical coverage. The Maryland Insurance Administration does not set rates but requires insurers to file and justify rate increases publicly.

Minimum Coverage
Includes 30/60/15 liability, $2,500 PIP, and uninsured motorist at state minimums. Provides legal compliance but leaves you financially exposed for your own vehicle damage and injury costs beyond the minimums.
Standard Coverage
Increases liability to 100/300/100 and adds $5,000–$10,000 in medical payments. Reduces lawsuit risk but still excludes collision and comprehensive coverage for your own vehicle.
Full Coverage
Adds collision and comprehensive with a $500–$1,000 deductible to standard liability. Cost-effective only if your vehicle is worth more than 10 times the annual premium increase — typically vehicles valued above $5,000.

What Affects Your Rate

  • Baltimore City ZIP codes average 35–45% higher premiums than statewide averages due to higher theft and accident rates.
  • Drivers with one at-fault accident see rate increases of 25–40% for three years in Maryland.
  • Clean driving records for three consecutive years qualify for good driver discounts averaging 15–20%.
  • Vehicles over 10 years old cost 40–60% less to insure for liability-only versus full coverage.
  • Credit-based insurance scores impact Maryland rates by 20–30%, with lower scores paying significantly more.
  • Annual mileage under 7,500 miles qualifies for low-mileage discounts of 5–10% with most carriers.

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Find Your City in Maryland

Baltimore, Maryland cityscape and street view

Baltimore

urban
Victorian townhouses on tree-lined residential street with lush green foliage and dappled sunlight

Columbia

suburban
Calm lake water reflecting autumn trees with golden foliage, creating mirror-like reflections on blue water surface

Germantown

suburban
Blooming tree on hillside meadow at sunset with golden light filtering through white blossoms and green landscape

Silver Spring

suburban
Frederick, Maryland cityscape and street view

Frederick

suburban
Stone church with red door, round window, and castellated tower surrounded by green trees

Rockville

suburban
European city street with traditional brick buildings, red tile roofs, and wide roadway on overcast day

Gaithersburg

suburban
Colorful wooden houses lining a narrow residential street with traditional architecture and front porches

Annapolis

urban

Frequently Asked Questions

Sources

  • Maryland Insurance Administration (insurance.maryland.gov)
  • Maryland Motor Vehicle Administration - Insurance Requirements
  • Insurance Information Institute - State Auto Insurance Requirements

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