Car Insurance in Maryland: 2026 Rates & Requirements

Maryland carries some of the highest average car insurance premiums on the East Coast, driven by a combination of dense Washington D.C.-Baltimore corridor traffic, mandatory PIP coverage, and required uninsured motorist protection that many neighboring states leave optional.

Minimum Insurance Requirements in Maryland

Maryland requires drivers to carry at least $30,000/60,000 in bodily injury liability (per person / per accident) and $15,000 in property damage liability. Maryland requires $2,500 in Personal Injury Protection (PIP) and uninsured motorist coverage matching its liability limits: $30,000/$60,000. Maryland requires PIP as part of its minimum coverage: your own PIP pays your medical bills after an accident regardless of fault, though Maryland still allows lawsuits against an at-fault driver more broadly than strict no-fault states do. These are legal minimums, not a safety net for your own finances — most independent advisors recommend carrying meaningfully higher limits than the state requires, especially if you own a home or have savings to protect.

What Drives the Cost of Car Insurance in Maryland

The D.C. suburbs and Baltimore metro area account for a large share of Maryland's population and traffic, and premiums there run well above what drivers in the state's more rural Eastern Shore and western counties typically pay. As a no-fault state for medical claims, the mandatory $2,500 PIP requirement adds to every policy's baseline cost, and Maryland's required uninsured motorist coverage - matching the full $30,000/$60,000 liability limits rather than a lower fallback amount - is more generous (and more expensive) than what most states mandate.

Get Your Own Maryland Estimate

The figures above are state averages for a 35-year-old driver with a clean record and full coverage — useful as a benchmark, but your own rate depends on your exact ZIP code, vehicle, driving history, and coverage choices. Run your own free, no-signup estimate below, pre-filled for Maryland.