The state of Maryland offers fairly standard and straightforward auto insurance liability regulations. Liability coverage protects drivers when an accident in which they are at fault causes financial issues for the other motor vehicle operators and passengers. This includes coverage for property damage and bodily injury they may cause. The minimum liability levels set by Maryland law are 20/40/15 (see the chart below).

Maryland also requires that drivers obtain uninsured motorist coverage as part of their car insurance policies. This coverage will help with any expenses incurred if you are involved in an accident with a vehicle operated by someone without insurance. Minimum requirements are also 20/40/15 (see the chart below).

Last, but not least, Maryland requires a minimum of $2500 PIP if you opt-in (personal injury protection). This coverage helps with any medical expenses or lost wages, no matter who is at fault. Some drivers with excellent health insurance can waive this portion and save on premiums. One caveat would be that most health insurance companies will not cover lost wages or any passenger injury costs.

Collision and comprehensive add-ons are available options for auto insurance policies in Maryland.

Coverage Type Required? Minimum Coverage Amount Required
Bodily Injury Liability Yes $20,000 per person$40,000 per accident
Property Damage Liability Yes $5,000
Uninsured Motorist Bodily Injury No $20,000 per person$40,000 per accident
Underinsured Motorist Bodily Injury No $50,000 per person$100,000 per accident
Uninsured Motorist Property Damage No $15,000
Personal Injury No $2,500 per person named in the policy

Auto Insurance Requirements for Leased Vehicles in Maryland (MD)

Most leasing companies in Maryland typically require drivers of leased vehicles to maintain insurance coverage which exceeds the minimums set by Maryland state law. This is to protect you financially, as well as your leasing company, should they be held partly responsible. Most leasing companies will recommend the following amounts of insurance coverage:

  • Bodily injury liability coverage: $100,000 per person/$300,000 per accident
  • Property damage liability coverage: $50,000
  • Comprehensive and collision coverage: $500 maximum deductible

Insurance Agents By City/Town In Maryland

Maryland Auto Insurance State Contact Information

Maryland Motor Vehicle Administration 
6601 Ritchie Highway, NE
Glen Burie, MD 21062
Maryland Insurance Administration 
525 St. Paul Place
Baltimore, MD 21202-2272