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MD
Maryland car insurance
Whether you're cruising through Baltimore, Bethesda, Annapolis, or anywhere else in Maryland, get dependable auto insurance from Progressive that gives you peace of mind. Learn about Maryland's auto insurance requirements, optional coverages to consider, and savings discounts you could earn.
What are Maryland's minimum auto insurance requirements?
Drivers in Maryland are required to have auto liability coverage (BI liability and PD liability), uninsured/underinsured motorist (UM/UIM) coverage, and personal injury protection (PIP) at the following minimum car insurance limits:
Coverage
|
Coverage |
What it covers |
Minimum amount |
|---|---|---|
|
Bodily injury liability |
What it covers
Injuries you cause to others in an accident |
Minimum amount
$30,000 per person |
|
Property damage liability |
What it covers
Damage you cause to other people's property in an accident |
Minimum amount
$15,000 per accident |
|
UM/UIM bodily injury |
What it covers
Your medical expenses an uninsured or underinsured driver causes |
Minimum amount
$30,000 per person |
|
UM/UIM property damage |
What it covers
Damage to your property an uninsured or underinsured driver causes |
Minimum amount
$15,000 per accident |
|
Personal injury protection (PIP) |
What it covers
Your medical costs due to an accident, plus lost wages and death benefits, regardless of who's at fault |
Minimum amount
$2,500 (Note: You can waive full PIP coverage and choose a limited PIP option instead) |
While these are Maryland's minimum required car insurance limits, higher coverage amounts may better protect your family's financial wellbeing. Learn how much car insurance you may need based on your circumstances and preferences.
Is Maryland a no-fault state?
No. Maryland is an at-fault state, which means the party responsible for an accident must cover the injuries of the other driver and their passengers. Learn more about what happens if you're at fault in an accident.
How much is car insurance in Maryland?
The average cost of a six-month liability-only policy in a high-cost state like Maryland is $157.27 per month.* Keep in mind that car insurance costs vary based on several factors like your driving history, ZIP code, and the limits and coverages you choose. Learn more about factors that impact your car insurance rate.
Switch and save with Progressive
Ready to make the switch? Drivers nationwide who switch and save with Progressive save over $900 on average.† Get an auto insurance quote today.
What is the best car insurance in Maryland?
Finding the best car insurance in Maryland means taking the time to compare equal coverages, limits, deductibles, and discounts. Maryland drivers can access plenty of incentives from Progressive as you seek out the best car insurance. Our auto insurance customers earn an average of seven discounts, and we're a leading auto insurance company.
If you're looking for the cheapest car insurance in Maryland, here's how much drivers countrywide who save after switching to Progressive save on average compared to their previous auto insurer:
- Allstate customers who switch and save with Progressive save $920 on average††
- GEICO customers who switch and save with Progressive save $757 on average§
- State Farm customers who switch and save with Progressive save $661 on average‡
How do I lower my car insurance cost in Maryland?
To lower your car insurance cost in Maryland, you may qualify for the following discounts through Progressive:
- Multi-policy
- Three-year safe driving
- Good student
- Online quote
- Paperless
- Paid in full
See all our auto insurance discounts.
Pro tip:
Save when you bundle! One way to get cheap car insurance in Maryland is to combine your auto and home policies with Progressive — new customers who save bundling home and auto insurance save over 25% on average nationwide.†
Additional car insurance coverages to consider
If you're leasing or financing a vehicle, most lenders require you to carry comprehensive auto coverage and collision coverage in addition to Maryland's state-required coverages.
Comprehensive and collision pay to repair or replace your car regardless of fault, if it's in an accident, gets stolen, or is otherwise damaged due to a covered accident. It also makes sense to add these physical damage coverages if you're not sure you can afford a new car or major repairs after an accident.
Explore all our car insurance coverages, and our car insurance calculator, to find which ones are recommended for you.
Maryland driving resources
From Silver Spring to Owings Mills, get to know Maryland's driving laws and resources. These resources apply to Glen Burnie, Frederick, and everywhere in between. Local municipalities may have additional laws and resources.
- Maryland DOT Motor Vehicle Administration: Find out how to get or renew your Maryland license and registration, get an e-check, and more.
- Maryland Transportation Authority traffic safety tips: Learn about how you can help save lives by buckling up, slowing down, sharing the road, and parking the phone while driving.
- Maryland driving FAQs: Get answers to your questions about Maryland driver licensing, REAL ID, obtaining driving records, vehicle registration, and titling.
- Car insurance resource center: Learn more about how car insurance works, from terms and definitions to savings tips.
How to get car insurance in Maryland
-
Go online
Customize your policy's coverages, limits, and deductibles.
-
Call us
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Ask an agent
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