What are Maryland's minimum auto insurance limits?

Minimum liability is $30,000 per person, $60,000 per accident for bodily injury, and $15,000 per accident for property damage (30/60/15). UM/UIM minimums mirror these limits.

Is personal injury protection (PIP) required in Maryland?

Insurers must offer at least $2,500 in PIP, but you may waive it through an affirmative written waiver on the form required by the Maryland Insurance Administration.

Does Maryland require uninsured motorist coverage?

Yes. UM/UIM bodily injury and property damage minimums must match your liability limits.

What happens if my Maryland auto insurance lapses?

MVA may charge penalty fees, suspend registration, and require an FR-19 certificate showing continuous coverage before reinstatement.

Maryland Auto Insurance

Maryland requires 30/60/15 liability, matching UM/UIM, and a PIP offer. Summary of mandatory limits and where to learn more.

Overview

Maryland requires liability insurance on every registered vehicle. The Motor Vehicle Administration (MVA) verifies coverage electronically.

This page is a brief state overview — not a full requirements guide. See our Maryland auto insurance requirements article for limits, PIP waivers, penalties, and proof-of-insurance details.

Coverage Options to Consider

Required: Bodily injury and property damage liability (30/60/15), plus uninsured/underinsured motorist coverage at matching minimums.

PIP: Insurers must offer at least $2,500 in personal injury protection unless you sign an affirmative written waiver. Limited PIP options may also be available.

Common optional coverages: Collision, comprehensive, and higher liability limits. Maryland is generally an at-fault state for bodily injury claims.

State Requirements & Regulations

Minimum liability is 30/60/15. UM/UIM bodily injury and property damage minimums mirror liability limits.

MVA may impose penalty fees for lapses — $150 for the first 30 days without verified coverage and $7 for each additional day. Registration suspension and an FR-19 certificate may be required for reinstatement.

Neighboring Virginia (50/100/25) and D.C. set different minimums — your policy must meet Maryland rules where the vehicle is registered.

Factors That May Affect Your Premium

Insurers may consider driving record, age, vehicle type, garaging location, mileage, coverage limits, deductibles, PIP election, and credit-based insurance scores where permitted.

See why car insurance rates may increase for common premium trends.

Frequently Asked Questions

What are Maryland's minimum auto insurance limits?: Minimum liability is $30,000 per person, $60,000 per accident for bodily injury, and $15,000 per accident for property damage (30/60/15). UM/UIM minimums mirror these limits.
Is personal injury protection (PIP) required in Maryland?: Insurers must offer at least $2,500 in PIP, but you may waive it through an affirmative written waiver on the form required by the Maryland Insurance Administration.
Does Maryland require uninsured motorist coverage?: Yes. UM/UIM bodily injury and property damage minimums must match your liability limits.
What happens if my Maryland auto insurance lapses?: MVA may charge penalty fees, suspend registration, and require an FR-19 certificate showing continuous coverage before reinstatement.

Sources & References

Maryland Insurance Administration — Maryland Insurance Administration
Maryland Auto Insurance Requirements (full guide) — US Insurance Guide