Maryland Car Insurance: Everything You Need to Know

If you are a Maryland resident, you need to have car insurance to drive legally. This article will cover the basics of Maryland car insurance, including the requirements, coverage types, and factors that affect your premiums.

What are the minimum requirements for car insurance in Maryland?

In Maryland, drivers are required to carry liability insurance with the following minimum coverage levels:

Coverage Type
Minimum Coverage Level
Bodily Injury
$30,000 per person/$60,000 per accident
Property Damage
$15,000 per accident

Liability insurance covers damages and injuries you may cause to others in an accident. It does not cover your own injuries or damages to your own vehicle.

While these are the minimum requirements, it’s a good idea to carry higher levels of coverage to protect yourself financially in the event of a serious accident.

What happens if I don’t carry car insurance in Maryland?

Driving without insurance is illegal in Maryland and can result in a fine or even license suspension. If you are caught driving without insurance, you may also be required to file an SR-22, which is a document that proves you carry the necessary insurance.

What factors affect my car insurance premiums in Maryland?

Car insurance premiums are based on a variety of factors, including:

  • Your age, gender, and marital status
  • Your driving record
  • The make and model of your vehicle
  • Your credit history
  • Where you live and park your car

Younger drivers, male drivers, and drivers with poor driving records or credit histories typically pay higher premiums.

What types of car insurance coverage are available in Maryland?

In addition to liability insurance, there are several other types of car insurance coverage available in Maryland:

Collision Coverage

Collision coverage pays for damages to your own vehicle in the event of an accident, regardless of who was at fault.

Comprehensive Coverage

Comprehensive coverage pays for damages to your vehicle from non-collision events, such as theft, vandalism, and weather-related damage.

Uninsured/Underinsured Motorist Coverage

This coverage protects you if you are involved in an accident with a driver who does not have insurance or does not have enough insurance to cover the damages.

Personal Injury Protection

Personal Injury Protection (PIP) coverage pays for medical expenses and lost wages for you and your passengers in the event of an accident, regardless of who was at fault.

How can I save money on car insurance in Maryland?

There are several ways to lower your car insurance premiums in Maryland:

Shop Around

Get quotes from multiple insurance companies to find the best rates for your coverage needs.

Bundle Policies

If you have multiple insurance policies, such as home and auto insurance, you may be able to save money by bundling them with the same insurance company.

Take Advantage of Discounts

Insurance companies offer various discounts for safe driving, good grades (for young drivers), and other factors.


What should I do if I am involved in a car accident in Maryland?

If you are involved in an accident, you should exchange insurance information with the other driver and contact your insurance company as soon as possible to file a claim. You should also report the accident to the local police department if there are injuries or property damage.

Do I have to carry car insurance if I don’t own a car?

If you frequently borrow or rent cars, you should consider purchasing a non-owner car insurance policy. This policy provides liability coverage when you are driving someone else’s car.

Can my car insurance be canceled by the insurance company?

Your car insurance can be canceled by the insurance company if you fail to pay your premiums, lie on your application, or have your license suspended or revoked.

What should I do if my car insurance claim is denied?

If your claim is denied, you should review your policy to understand the reason for the denial. You may be able to appeal the decision or file a complaint with the Maryland Insurance Administration.


Car insurance is a necessary expense for Maryland drivers, but it doesn’t have to break the bank. By understanding your coverage options, shopping around for quotes, and taking advantage of discounts, you can find affordable car insurance that meets your needs.