Commercial auto insurance for Maryland business vehicles, including state liability minimums and when personal auto is not enough.
Businesses that own, lease, or regularly use vehicles for work typically need commercial auto insurance rather than personal policies. Personal auto policies often exclude business use.
See our commercial auto insurance explainer for how commercial policies differ from personal coverage.
Liability — bodily injury and property damage you or employees cause while driving for business.
Physical damage — collision and comprehensive on business-owned vehicles.
Hired and non-owned auto (HNOA) — liability when employees drive personal or rented vehicles for work.
Maryland commercial policies must meet the same minimums as personal auto — 30/60/15 liability plus matching UM/UIM.
Vehicles registered to a business or used primarily for commercial purposes must carry liability insurance meeting Maryland minimums.
UM/UIM and PIP offer rules mirror personal auto policies. MVA requires proof of insurance for registration.
For broader business context, see business insurance in Maryland. Compare Virginia commercial auto minimums (50/100/25) if you operate across state lines.
Fleet size, vehicle types, driver records, radius of operation, cargo hauled, coverage limits, and industry classification may affect commercial auto premiums.
Public insurance case files
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
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.
Maryland Insurance Administration · January 29, 2026