Car insurance in Maryland
Maryland is a at-fault state with a minimum liability requirement of30/60/15. Here's what that means, what it costs, and what to check before you buy.
What the minimums actually mean
$30,000 per injured person, $60,000 total per accident for injuries, and $15,000 for property damage, plus a mandatory $2,500 in first-party medical/disability benefits (PIP-style, waivable in writing).
Required by default at limits equal to your liability coverage (30/60/15), unless the first named insured affirmatively waives it in writing after insurer disclosure.
Estimated cost
Illustrative estimate: roughly $1,000-$1,150/year for minimum coverage - near or slightly above the national average.
Why this is a range, not a quote
SR-22 & high-risk filings
Typically required after a DUI/DWI or driving without required insurance, processed through Maryland MVA reinstatement.
Local conditions worth knowing
Heavy DC/Baltimore corridor congestion (I-95, the Capital Beltway) and meaningful uninsured-motorist exposure underpin the state's default UM/UIM mandate.
Frequently asked
- What is the minimum car insurance requirement in Maryland?
- Maryland requires liability limits of at least 30/60/15. $30,000 per injured person, $60,000 total per accident for injuries, and $15,000 for property damage, plus a mandatory $2,500 in first-party medical/disability benefits (PIP-style, waivable in writing).
- Is Maryland an at-fault or no-fault state?
- Maryland is an at-fault at-fault state for car insurance claims.
- Do I need an SR-22 in Maryland?
- Typically required after a DUI/DWI or driving without required insurance, processed through Maryland MVA reinstatement.
- Is uninsured motorist coverage required in Maryland?
- Required by default at limits equal to your liability coverage (30/60/15), unless the first named insured affirmatively waives it in writing after insurer disclosure.
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