Maryland has many different aspects of auto insurance that it requires.  First of all, Maryland is a “no-fault” state, which means that it requires each driver to carry insurance and for that insurance to cover accidents or damage no matter whose fault the accident was.  Maryland also requires each driver to carry PIP, or personal injury protection, insurance.  PIP will help pay for medical expenses, lost wages and funeral expenses in the case of an accident.  Liability coverage is also required by every driver.  Liability will help pay for damages to the other driver or any other passengers involved in the accident.  It will also cover damages to vehicles or any property.

Q: “What is the minimum amount of auto insurance coverage that I need in Maryland?”

Minimum liability coverage for auto insurance in Maryland is 20/40/15.  This means that in Maryland, the minimum amount of coverage allots $20,000 for any personal injury, $40,000 for all persons involved, and $15,000 for any kind of property damage.  In Maryland, $2,500 of PIP insurance is required as well, however, if a driver has adequate health coverage they may defer this type of coverage.  Maryland is also one of the only states that requires uninsured motorist coverage.  For this it requires the same 20/40/15 policy as liability insurance.  Collision insurance is not required, but always encouraged.

Compare Maryland Car Insurance Rates Online

Compared to other states, auto insurance in Maryland is relatively expensive.  Make sure you get a good deal by receiving multiple quotes from all of the best companies.  At autoinsurancebystate.com, you can do just that! Just by putting in your zip code, you can get all of the best insurance companies rates and compare for yourself!

Current Providers in Maryland

For More Information

For more information on Maryland auto insurance rates, feel free to contact:

Maryland Insurance Administration
525 St. Paul Place
Baltimore, MD 21202-2272
Phone: (410) 468-2000