Maryland Auto Insurance Requirements, Costs & Coverage Guide 2026
✓ Updated February 2026 – Based on Real Maryland Quotes

Maryland Auto Insurance Requirements & Costs

Complete guide to Maryland car insurance requirements, average rates, and coverage options with current 2026 data. We’re a licensed insurance broker serving 34 states, not an insurance carrier—we help you compare multiple providers to find the best rates.

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Key Takeaways: Maryland Auto Insurance Data

Data Source: All rates and statistics on this page are based on real first-party auto insurance quotes collected by our licensed agents in Maryland. This is not national average data or advertised rates—these numbers reflect actual consumer quote activity in Maryland during 2026.

Average Monthly Rate in MD
$178
Based on real quotes from our licensed agents across Maryland
Liability vs Full Coverage
$72 vs $265
Wide spread: National General shows $72 liability vs $265 full coverage
Price Range Across Carriers
$58-$285
391% spread from GAINSCO ($58) to Dairyland ($285)—shop around!
Maryland Minimum Requirements
30/60/15
Maryland requires 30/60/15 + mandatory uninsured motorist coverage

If you’re ready to compare available Maryland coverage options and see current rates, you can start your quote here.

Maryland Auto Insurance Requirements

Maryland law requires all drivers to carry minimum liability insurance coverage. Understanding these requirements is essential for legal compliance and financial protection.

At A Plus Insurance, we work with multiple insurance providers to help you find the best coverage for your needs and budget.

Coverage Type Minimum Required What It Covers
Bodily Injury (per person) $30,000 Medical expenses and lost wages for one person injured in an accident you cause
Bodily Injury (per accident) $60,000 Total medical expenses and lost wages for all people injured in an accident you cause
Property Damage $15,000 Damage to another person’s vehicle or property in an accident you cause
Uninsured Motorist (per person) $30,000 Protection when hit by uninsured driver (mandatory in Maryland)
Uninsured Motorist (per accident) $60,000 Total protection for all injuries from uninsured driver
Uninsured Motorist Property Damage $15,000 Property damage from uninsured motorist
Important: These are legal minimums. Most drivers benefit from higher coverage limits to protect against serious accidents. Consider 50/100/50 or 100/300/100 for better protection.

Optional but Recommended Coverage

While not legally required, these coverages provide crucial protection:

  • Collision: Covers damage to your vehicle from accidents, regardless of fault
  • Comprehensive: Covers non-collision damage (theft, vandalism, weather, animals)
  • Medical Payments (MedPay): Covers medical expenses for you and passengers, regardless of fault
  • Personal Injury Protection (PIP): Enhanced medical and wage loss coverage (mandatory in Maryland with waiver option)

Learn more about different coverage types on our auto insurance guide, or explore Maryland liability insurance options in detail.

Average monthly auto insurance rate by state

Filters: Filters: State MD

Source ... A Plus Insurance Quote Dataset

No matching records yet.

Source: A Plus Insurance analysis of first party insurance quotes collected by licensed agents across multiple U.S. states. Data reflects real consumer quote activity and pricing for auto insurance, home insurance, and related policies, not advertised rates or national averages.

Evidence (records used)

This table lists underlying records used for the chart above.

record_idcall_idcall_datestatecityzipyearmakemodelagesexmaritalcoveragecarriermonthlyviolationsaccidentsdui
No matching records yet.

How Violations & Risk Factors Affect Your Maryland Rates

Your driving record and risk profile significantly impact insurance costs in Maryland. Understanding these factors helps you anticipate rate changes and make informed decisions.

Understanding SR-22 Insurance in Maryland

An SR-22 is not insurance itself, but a certificate of financial responsibility filed by your insurance company with the Maryland Motor Vehicle Administration. You may need an SR-22 if you have:

  • DUI or DWI conviction
  • Multiple traffic violations in a short period
  • At-fault accident without insurance
  • License suspension or revocation
  • Conviction for driving without insurance
SR-22 Cost Impact: Drivers requiring SR-22 certification typically pay 50-80% more for auto insurance. The SR-22 filing itself costs $15-50, but the underlying violation causes the major rate increase. SR-22 is usually required for 3 years in Maryland.

Need SR-22 insurance? Learn more about SR-22 insurance in Maryland and get quotes from providers who specialize in high-risk coverage.

How DUI Affects Your Maryland Insurance Rates

A DUI conviction has severe consequences for auto insurance in Maryland:

  • Rate Increase: Average increase of 60-100% for 3-5 years
  • SR-22 Requirement: Mandatory filing for minimum 3 years
  • Limited Options: Many standard insurers will not cover DUI drivers
  • Long-term Impact: DUI stays on your record for 5 years in Maryland

After a DUI, you’ll need to obtain coverage from high-risk or non-standard insurance providers. Rates gradually decrease as time passes without additional violations, but expect elevated premiums for several years.

Common Traffic Violations and Rate Impacts in Maryland

Violation Type Typical Rate Increase Duration of Impact
Speeding (15+ mph over) 20-30% 3 years
At-fault accident 30-50% 3-5 years
Reckless driving 40-70% 3-5 years
DUI/DWI 60-100% 5-10 years
Driving without insurance 50-80% 3 years
Good News: Maintaining a clean driving record for 3-5 years can significantly reduce rates. Many insurers offer accident forgiveness and safe driver discounts.

For a full breakdown of auto insurance coverage types and what they include, visit our auto insurance guide.

Liability only vs full coverage by company

Filters: State MD

Source ... A Plus Insurance Quote Dataset

Liability only Full coverage

Source: A Plus Insurance analysis of first party insurance quotes collected by licensed agents across multiple U.S. states. Data reflects real consumer quote activity and pricing for auto insurance, home insurance, and related policies, not advertised rates or national averages.

Evidence (records used)

This table lists underlying records used for the chart above.

record_idcall_idcall_datestatecityzipyearmakemodelagesexmaritalcoveragecarriermonthlyviolationsaccidentsdui
No matching records yet.

Cheapest auto insurance companies

Filters: Filters: State MD

Source ... A Plus Insurance Quote Dataset

No matching records yet.

Source: A Plus Insurance analysis of first party insurance quotes collected by licensed agents across multiple U.S. states. Data reflects real consumer quote activity and pricing for auto insurance, home insurance, and related policies, not advertised rates or national averages.

Evidence (records used)

This table lists underlying records used for the chart above.

record_idcall_idcall_datestatecityzipyearmakemodelagesexmaritalcoveragecarriermonthlyviolationsaccidentsdui
No matching records yet.

Driver age average monthly by area

Filters: Filters: State MD

Source ... A Plus Insurance Quote Dataset

No matching records yet.

Source: A Plus Insurance analysis of first party insurance quotes collected by licensed agents across multiple U.S. states. Data reflects real consumer quote activity and pricing for auto insurance, home insurance, and related policies, not advertised rates or national averages.

Evidence (records used)

This table lists underlying records used for the chart above.

record_idcall_idcall_datestatecityzipyearmakemodelagesexmaritalcoveragecarriermonthlyviolationsaccidentsdui
No matching records yet.

Driver sex average monthly by area

Filters: Filters: State MD

Source ... A Plus Insurance Quote Dataset

No matching records yet.

Source: A Plus Insurance analysis of first party insurance quotes collected by licensed agents across multiple U.S. states. Data reflects real consumer quote activity and pricing for auto insurance, home insurance, and related policies, not advertised rates or national averages.

Evidence (records used)

This table lists underlying records used for the chart above.

record_idcall_idcall_datestatecityzipyearmakemodelagesexmaritalcoveragecarriermonthlyviolationsaccidentsdui
No matching records yet.

Auto Insurance Coverage Across Maryland Counties

Find detailed auto insurance information, rates, and requirements specific to your Maryland county.

Baltimore County Montgomery County Prince George’s County Anne Arundel County Howard County Frederick County Harford County Carroll County Charles County St. Mary’s County Washington County Allegany County Cecil County Calvert County Wicomico County Worcester County Talbot County Queen Anne’s County Caroline County Garrett County

Frequently Asked Questions

What are the minimum auto insurance requirements in Maryland?
Maryland requires minimum liability coverage of 30/60/15: $30,000 per person for bodily injury, $60,000 per accident for bodily injury, and $15,000 for property damage. Maryland also requires uninsured motorist coverage at the same limits. This is the legal minimum to drive in Maryland, though most financial advisors recommend higher limits for better protection.
How much does auto insurance cost in Maryland?
Auto insurance costs in Maryland vary widely based on location, driving record, age, vehicle, and coverage level. On average, liability-only coverage costs significantly less than full coverage. Urban areas like Baltimore and the DC suburbs typically have higher rates than rural counties due to accident frequency and theft rates. The best way to find your actual cost is to compare quotes from multiple providers.
Is Maryland a no-fault insurance state?
No, Maryland is an at-fault state. This means the driver who causes an accident is responsible for damages through their liability insurance. The at-fault driver’s insurance pays for injuries and property damage to other parties. This is why adequate liability coverage is crucial in Maryland.
What happens if I get caught driving without insurance in Maryland?
Driving without insurance in Maryland results in serious penalties: fines up to $1,000, suspension of your driver’s license and vehicle registration for up to one year, potential SR-22 requirement for future coverage, and significantly higher insurance rates when you reinstate coverage. Maryland takes uninsured driving very seriously, and penalties increase for repeat offenses.
Do I need SR-22 insurance in Maryland?
You need SR-22 insurance in Maryland if you’ve had a DUI/DWI, multiple serious traffic violations, an at-fault accident without insurance, or your license was suspended or revoked. The SR-22 is a certificate your insurance company files with the Maryland Motor Vehicle Administration proving you carry the required minimum coverage. It’s typically required for 3 years and increases your insurance rates by 50-80%.
How does a DUI affect my car insurance rates in Maryland?
A DUI in Maryland typically increases your insurance rates by 60-100% and remains on your driving record for 5 years. You’ll need to file an SR-22 for at least 3 years, and many standard insurance companies won’t cover you, forcing you to seek high-risk insurers. Rates gradually decrease over time if you maintain a clean record, but expect elevated premiums for 5-10 years.
Should I get more than the minimum coverage in Maryland?
Yes, most insurance experts recommend purchasing more than Maryland’s minimum 30/60/15 coverage. These minimums may not cover all damages in a serious accident, leaving you personally liable for the difference. Consider at least 50/100/50 or 100/300/100 coverage, plus comprehensive and collision, to protect your assets. The additional cost is usually modest compared to the increased protection.
How often should I shop for new car insurance rates in Maryland?
You should compare car insurance quotes every 6-12 months, even if you’re satisfied with your current provider. Insurance rates change frequently based on market conditions, and you may qualify for new discounts or find better rates elsewhere. Life changes like marriage, moving, or buying a home can also significantly affect your rates. Shopping around regularly can save Maryland drivers $400 or more annually.
Jayleen Ridgeway - Marketing Manager

Jayleen Ridgeway

Marketing Manager| 9 Years of Digital and Marketing Strategy

Data-driven marketing strategist specializing in insurance rate analysis, pricing trends, and consumer insights derived from real-world first-party data. With a background in SaaS technology, Jayleen leads all marketing and social media efforts while uncovering actionable trends from monthly, quarterly, and yearly insurance data.
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