What are the requirements for car insurance in Maryland?

Maryland drivers are required to carry liability coverage limits of at least:

  • $30,000 in bodily injury per person
  • $60,000 in total bodily injury per accident
  • $15,000 in property damage per accident

The Old Line State also requires you to carry uninsured/underinsured motorist bodily injury (UM/UIM BI) coverage, uninsured/underinsured motorist property damage (UM/UIM PD) coverage, and personal injury protection (PIP) with the following minimum limits:

  • UM/UIM BI: $30,000 per person, $60,000 per accident
  • UM/UIM PD: $15,000
  • PIP: $2,500

Note: You can waive full PIP coverage and choose a limited PIP option instead.

UM/UIM BI covers medical expenses for you and your passengers if a driver with insufficient coverage or no insurance runs into you. UM/UIM PD pays for damage an uninsured or underinsured driver causes to your vehicle. Lastly, PIP can pay for medical, disability, and funeral expenses resulting from a car accident for both you and your passengers.

As you shop for car insurance in Maryland, keep in mind that your state's minimum coverage requirements are, in fact, minimal coverage. Consider increasing your limits or adding more coverages to give your family even more protection.

Want more peace of mind? Add comprehensive & collision coverage

If you're leasing a car or owe money on it, most lenders will require you to carry comprehensive and collision coverage. But even if you're done making payments, these coverages can offer excellent protection. Case in point: If your car is ever stolen or damaged in a covered accident, all you'd have to pay is your deductible instead of a hefty repair bill.

Check out all the auto coverages you can get with Progressive.

Safe drivers ought to save more. Snapshot® from Progressive personalizes your rate based on your driving habits. Check out all the perks Snapshot offers.

How much is car insurance in Maryland?

Maryland had higher average expenditures for auto insurance in 2017 than most other states, according to III.org. Car insurance costs can vary based on a number of factors like your driving history, ZIP code, and the limits and coverages you choose. Learn more about what impacts your car insurance rate.

What about discounts? Are there ways to lower my cost?

Yes, Progressive has a variety of discount offerings that can get you cheaper car insurance in Maryland. Here are just a few you could earn:

  • Multi-policy
  • Smart technology
  • Advance quote
  • Online quote
  • Paid in full
  • Three-year safe driving
  • Good student
  • Paperless

See all auto insurance discounts.

Facts about drivers & driving in Maryland

  1. Both texting and holding a phone while driving is banned in Maryland. Use a hands-free device or leave the conversation for later to avoid a ticket and stay safe.

  2. No matter which seat you're in, Maryland requires you to buckle up. And if you're not wearing a seat belt up front, you could get pulled over.

  3. The Old Line State ranked first overall for teen driver safety in 2019, according to WalletHub. Teens in Maryland go through a graduated license program before they hit the road, which could be one reason why Maryland teens are so much safer behind the wheel.

How to get car insurance in Maryland

Online

After a few questions, you'll be ready to select your coverages.

Call a rep

A licensed representative will guide you through the process.

Meet with an agent

Connect with a licensed, independent agent in your area.