Maryland Auto Insurance

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Drivers in the Old Line State have different tendencies everywhere you go in the state. In Baltimore and the suburbs of D.C., rush-hour traffic leads the way. In Ocean City, slow cruising adjacent to the ocean is a way of life. And out in the country, it’s a slow-paced life. It doesn’t matter how you drive or what you drive, everyone in the state must maintain adequate Maryland auto insurance to ensure they’re covered on the open road.

Maryland auto insurance minimum requirements are among the highest in the nation, topping out at an incredible $60,000 worth of minimum coverage per accident for both bodily injury and uninsured motorist bodily injury liability. Given the high minimums, you’d think that premiums would be expensive. But you can find low-cost auto insurance in Maryland pretty easily, especially when you enlist the help of us at Clovered!

Maryland Auto Insurance Minimum Requirements

Maryland state minimum auto insurance is much more than many other states — sometimes six times as much in certain categories. But just because you need to meet state minimums, that doesn’t mean the coverage will be sufficient enough to protect you, your passengers and your vehicle if you’re involved in an accident.

  • Bodily Injury: $30,000 per person, $60,000 per accident
  • Property Damage: $15,000 per accident
  • Uninsured Motorist Bodily Injury: $30,000 per person, $60,000 per accident
  • Uninsured Motorist Property Damage: $15,000 per accident
  • Personal Injury Protection: $2,500

What Does Maryland Auto Insurance Cover?

Property Damage Liability

This coverage helps pay to repair the damage you directly cause to another person’s vehicle or their property if you’re at fault. It’s required by law in most states.

Collision Coverage

This coverage helps pay to repair damage to your vehicle if you’re at fault in an accident that involves another vehicle or piece of property. It’s required if you’re financing or leasing your vehicle.

Comprehensive Coverage

This coverage helps pay to repair or replace your vehicle if it was stolen or damaged by something other than a collision, like a hailstorm, tree, fire or vandalism.

Bodily Injury Liability

If you’re at fault in an accident that injures a passenger of another car or pedestrian, this coverage will help to pay their medical bills, legal fees and loss of income.

Personal Injury Protection

Whether you’re at fault or not in an accident, personal injury protection (PIP) is a no-fault coverage that helps to pay for you and your passenger’s medical bills. Some states make this coverage mandatory.

Medical Payments

This is similar to PIP coverage in that it may help to pay for the medical bills of you and your passenger if you’re involved in an accident, whether you’re at fault or not. It’s different because MedPay is always optional.

Gap Coverage

If your vehicle is totaled in an accident, guaranteed asset protection (GAP) coverage helps to pay the difference between your vehicle’s current worth and what you still owe on your auto loan.

Towing & Labor

An optional coverage, towing and labor may be added to your auto insurance policy to get you out of binds. This pays for a tow truck to pick up your vehicle and take it to the nearest repair shop.

Rental Car

You may add rental car coverage that pays for a rental car while your vehicle is in the shop. But nearly every auto policy also covers the vehicle and passengers when you’re driving a rental car.

Uninsured Motorist

This coverage is within your own auto policy and helps to pay for repairs to your vehicle or for your medical bills if a driver who’s at fault doesn’t have auto insurance.

Underinsured Motorist

This coverage is also within your own auto policy, helping to supplement the remaining expenses to repair your vehicle and pay your medical bills if the other driver doesn’t have sufficient coverage.

Is Maryland a No-Fault State for Auto Insurance?

No, Maryland is an at-fault state, meaning the responsibility of auto insurance relies on the person who’s deemed to be at fault in the accident. If they have insufficient coverage to handle the ramifications, both monetary and legal, of the accident, the other person’s uninsured coverage may step in to handle the costs.

How Much Is Auto Insurance in Maryland?

The average auto insurance rate in Maryland is about $1,200 per year for liability coverage. While that’s only $100 per month, it’s still above the national average. Much of the added price can be attributed to high Maryland auto insurance minimum requirements put in place by the state’s lawmakers.

How to Get Cheap Auto Insurance in Maryland

If you’re looking for cheap auto insurance in Maryland, you’ve come to the right place. At Clovered, we’ve partnered with some of the best auto insurance companies in Maryland, like Travelers and Progressive, so we can offer many policies to find you the best price!

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The editorial content on Clovered’s website is meant to be informational material and should not be considered legal advice.