US Insurance Guide

Maryland insurance

Maryland Insurance Guides

Maryland requires registered vehicles to carry liability insurance, matching uninsured motorist coverage, and a personal injury protection offer. Homeowners insurance is not required by state law, though mortgage lenders typically require it. Renters insurance is generally optional unless a lease requires it. Most employers with one or more employees must carry workers' compensation insurance.

Last updated
Jurisdiction
Maryland
Sources reviewed
Maryland Insurance Administration, Maryland Motor Vehicle Administration, Maryland Workers' Compensation Commission

What Maryland requires

Maryland's most common legal insurance requirements are auto liability (currently 30/60/15) with matching UM/UIM, a PIP offer that can be waived in writing, and workers' compensation for nearly all employers with one or more employees. Homeowners and renters insurance are not mandated by statute.

Start with Maryland auto insurance

Begin with the statewide guide, then review the legal requirements and cost factors.

Auto Insurance

Maryland Auto Insurance

Maryland requires 30/60/15 liability, matching UM/UIM, and a PIP offer. Guide to car insurance rules, coverage choices, and related DMV requirements.

Explore Maryland Auto Insurance

Other key coverage

Homeowners, renters, and business insurance guidance for Maryland.

Homeowners Insurance

Maryland Homeowners Insurance

Maryland homeowners insurance is not required by state law, but lenders usually require it. Coverage, coastal and flood risks, and official resources.

Explore Maryland Homeowners Insurance

Renters Insurance

Maryland Renters Insurance

Maryland renters insurance is not required by state law, but a lease may require it. Coverage, cost factors, and landlord rules.

Explore Maryland Renters Insurance

Business Insurance

Maryland Business Insurance

Maryland business insurance guide covering workers' compensation, general liability, commercial auto, and small-business coverage rules.

Explore Maryland Business Insurance

Recent public insurance data

More than $53.5 million

Recovered for Maryland consumers in the first half of 2026, according to the Maryland Insurance Administration. This is an agency-wide total, not a predicted individual result.

Source: Maryland Insurance Administration, August 7, 2026.

Public insurance case files

Insurance in the real world

Public records and regulatory reports can show how insurance rules affect actual consumers. These files are not customer testimonials.

Maryland · Public record

More than $70 million in 2025

Reported consumer recoveries

How Maryland insurance complaints can produce real consumer recoveries

The Maryland Insurance Administration reported that it recovered more than $70 million for Maryland consumers in 2025 by helping resolve insurance complaints and related issues. The figure covers many complaints across several agency units and does not predict any individual's result.

Read case file

Source: Maryland Insurance Administration · January 29, 2026

Browse public case files

Local Maryland guides

City and county pages that add housing, commute, and risk context on top of statewide rules.

Regional risks in Maryland

  • Coastal and Chesapeake Bay wind and storm exposure
  • Flood risk in waterfront, low-lying, and inland overflow areas
  • Winter weather and nor'easters, especially in western and central Maryland

More coverage topics

Additional state-specific overviews that are not part of the current priority collection.