Maryland car insurance

To register and drive a car in the state of Maryland, you have to have a minimum level of car insurance coverage. With an estimated number of 4,407,973 licensed drivers in Maryland, getting car insurance online is extremely vital to keep you protected while on the road and reduce the extra costs that you may have incurred.

The state that you live in determines the coverage levels of insurance you will most likely have. Maryland has specific coverages and required limits that all drivers must purchase. To get the best car insurance in Maryland, you have to understand the minimum coverages and requirements that it follows as explained in the table below;

Coverage Requirements In Maryland
Bodily Injury Liability. This covers expenses incurred after the injury or death of another when the accident is your fault $30,000 per person and $60,000 per accident
Property Damage Liability. This covers the expenses resulting from the damage of another’s property like homes, vehicles and other structures when the accident is your fault $15,000 limit per accident
Uninsured Motorist. This covers the medical expenses resulting from an accident if the driver at fault has no insurance Bodily injury at $30,000 per person and $60,000 per accident and the property damage being $15,000 limit per accident
Underinsured Motorist. This covers the medical expenses after an accident and the driver at fault has limited insurance This is categorized under the uninsured motorist coverage
Personal Injury Protection. This covers the medical or funeral expenses if you or your passengers are involved in an accident $2,500 limit per accident


Having looked at the compulsory and minimum insurance requirements, there are optional coverages that you may be asked to use;

  • Collision which covers the expenses for the repair of your car after its been in an accident
  • Comprehensive which covers the expenses for the repair of your car after it’s been damaged or stolen

Personal Injury Protection Coverage

This is also referred to as no-fault insurance and it covers the costs of the medical payments incurred after the injury of you or your passengers due to an accident regardless of who is at fault

It is important to note that Maryland is not a no-fault state. This is because it doesn’t limit your right to sue the party at fault in exchange for this coverage like most no-fault states do

This means that the state of Maryland requires PIP but allows you to limit the coverages in writing meaning that once you have chosen a limited amount of PIP coverage in one policy, you have excluded yourself from PIP coverage under any other policy on another car

The table below shows a comparison between full and limited PIP coverage;

PIP Cost Coverage Covered Parties
Full Higher It covers the medical expenses, 85% of lost income, reasonable household service or funeral expenses ·         The policyholder

·         Their spouse

·         All members of the household who haven’t limited their PIP in a separate policy

Limited Lower It covers the medical expenses, 85% of income lost, reasonable household service or the funeral expenses ·         Household members below 16

·         Members of the household who haven’t limited their PIP in a separate policy

·         One injured while a passenger on another’s car or as a pedestrian


Insurance Discounts in Maryland

  • Multi-car discount
  • Good student discount
  • Safe driver discount
  • Anti-theft discount for those with the device installed
  • Bundling

Driving Laws for Teenagers in Maryland

If you are a teen in Maryland looking to get a driver’s license, you have to become familiar with its teen driving laws

You have to be at least 15 years and 9 months to receive a learner’s permit and complete a knowledge test

When you reach 16 years and 6 months and after holding the learner’s permit for a period of at least 9 months and completing 60 driving hours while supervised, you can become eligible for a provisional driver’s license

Young drivers have to complete a driver’s education and pass a road test. The minimum age to get a full license is 18

Failure to Have Car Insurance

It’s compulsory to have car insurance in Maryland and anyone who is caught driving without car insurance will have to pay a fine of $150 for the first 30 days and $7 for each additional day you go without having car insurance which will be up to an annual maximum of $2,500

Your car registration will also get suspended if you don’t have car insurance

If you drive with a suspended registration, then your car could get impounded hence getting additional tickets


Car Insurance Advisor content is not written by a licensed  insurance agent. It’s intended for informational purposes and should not be considered legal or financial advice. Consult a professional to learn what financial products are right for your situation