Maryland car insurance laws and requirements: What is changing in 2025

Q: Is it mandatory to have car insurance in Maryland?

Yes , Maryland requires that you carry at least the minimum mandatory coverage. Necessary coverage includes UMBI, UMPD and PIP $2,500.

Q: Will my bare minimum car insurance cover me in another state?

Yes , your car insurance covers claims in another state, even if the minimums are higher in the other state.

Maryland car insurance laws

Maryland requires that drivers carry at least 30/60/15.

These limits are in place to ease the financial burden for drivers who cause an accident and for the victims. The at-fault driver knows their insurer will cover medical expenses and property damage up to a certain amount, and victims can more readily access funds to pay for accident costs.

However, coverage limits are very low and will not cover expenses from a serious accident. To be better protected, Maryland drivers should consider increasing liability limits and adding coverage, such as collision and comprehensive.

Maryland car insurance requirements

Maryland requires the following coverage:

Liability. There are two parts to liability coverage. First, bodily injury liability pays medical costs associated with an accident, such as doctor visits, surgery, and prescriptions. Second, property damage liability covers repairing or replacing items such as vehicles, fences, or buildings.

Maryland liability minimums are 30/60/15.

Personal injury protection (PIP). Personal injury protectionPersonal injury protection (PIP) pays for your medical, hospital and funeral expenses resulting from a car accident, regardless of who's at fault. pays medical costs, such as doctor visits, childcare expenses, and lost wages, for you or your passengers injured in an accident. PIP may be required for drivers who live in at-fault states.

Maryland PIP requirements are $2,500.

The average cost of a minimum coverage policy is $727. However, Geico has the lowest minimum car insurance rates, averaging $428.

The table below shows the top insurers' average rates for minimum coverage in Maryland.

Company	Average annual premium	Average monthly premium
Geico	$428	$36
Erie Insurance	$600	$50
Travelers	$647	$54
Kemper	$707	$59
Nationwide	$724	$60
State Farm	$744	$62
Progressive	$812	$68
Penn National Insurance	$1,021	$85
Allstate	$1,255	$105
USAA	$362	$30

Read our methodology

Maryland car insurance cost for minimum coverage limits

On average, state minimum car insurance costs $727. Car insurance rates for minimum coverage vary by company and driver. The table below shows average rates for drivers with minimum coverage in Maryland.

The cheapest company for minimum coverage in Maryland is Geico at an average rate of $428 annually.

State minimum coverage limit	30/60/15
Average annual premium	$727
Average monthly premium	$61

Read our methodology

Are the Maryland minimum coverage requirements changing in 2025?

Maryland car insurance requirements will not change in 2025. You do not need to make any changes if you have minimum coverage. If mandatory coverage changes in the future, your insurer will inform you, along with any rate changes.

Why do limits change?

"Several states have minimum requirements of property damage of $10,000-$25,000," says Zack Pope, agency manager at David Pope Insurance in Missouri. "[Given] the current values of vehicles, that's extremely antiquated values of coverage and a main reason that I personally do not offer less than 100/300/100 to customers. It is significantly easier to see a car on the road that is valued at $100,000 than it has been in the past."

What does minimum car insurance cover in Maryland?

Maryland requires drivers to carry at least a minimum amount of car insurance to help offset accident costs.

Maryland drivers are required to carry liability coverage. Bodily injury liability helps pay for injuries you cause to others in an accident. Property damage liability covers items damaged in an accident, such as another vehicle, fence, or other property.

Maryland is a no-fault state, meaning your insurer pays for your injuries and damages regardless of who caused the accident. The law requires you to carry personal injury protection (PIP) to pay medical costs, such as doctor visits and prescriptions.

PEOPLE ASK:

Is Maryland minimum car insurance enough?

It may not be. Even a moderately serious accident could exceed the state minimum limits of 30/60/15, and minimum coverage may not cover all accident costs. Furthermore, state minimums do not cover your vehicle; you need to add comprehensive and collision coverage.

How much car insurance is enough in Maryland?

Car insurance isn't one size fits all. The amount of coverage you need depends on your assets, net worth and risk level.

For example, if you are financially stable and can afford to pay out of pocket for medical costs and repairs, you may keep insurance limits low. However, you may be sued for the cost difference if you have a sizeable net worth and don't carry enough insurance to cover expenses.

Additionally, if you drive very little or have a short commute, your chances of causing an accident are relatively low. Also, you may choose to skip coverages such as collision and comprehensive if your car isn't worth much, or you can afford to pay for a new vehicle if yours is damaged. However, if you have a loan or lease you will be required to carry this coverage by your lender.

Consider your financial situation when determining how much car insurance you need.

Maryland penalties for driving without car insurance

Since Maryland requires its drivers to carry car insurance, failing to do so has consequences. Although you may be tempted to skip coverage to save money, you'll wind up paying heavily in the long run.

Failing to carry Maryland car insurance has penalties including those listed below. Keep in mind that repeated infractions have more severe penalties, such as jail time.

Fines	$200-$3,500
Other penalties	Registration suspension
Jail time	No

Read our methodology

Maryland minimum coverage cost by age group

Younger drivers pay for more car insurance because they lack experience behind the wheel. Fortunately, rates decrease as drivers age.

The table below breaks down the cost of car insurance for various age groups. Erie Insurance has the best rates for teens with minimum coverage averaging $1,384. Geico offers the cheapest coverage for adults at $433.

Additionally, females and males pay different rates. The average rate for a 40-year-old female is $730, and the average rate for a 40-year-old male is $723, a difference of $7.

Male

Male
Female

Age	Company	Male annual premium	Male monthly premium
16	Geico	$1,842	$154
16	Erie Insurance	$1,875	$156
16	State Farm	$2,959	$247
16	Kemper	$3,354	$280
16	Travelers	$3,358	$280
16	Penn National Insurance	$3,457	$288
16	Nationwide	$3,561	$297
16	Progressive	$4,070	$339
16	Allstate	$5,757	$480
17	Erie Insurance	$1,601	$133
17	Geico	$1,750	$146
17	Progressive	$2,271	$189
17	State Farm	$2,577	$215
17	Travelers	$2,684	$224
17	Kemper	$2,819	$235
17	Nationwide	$3,116	$260
17	Penn National Insurance	$3,419	$285
17	Allstate	NA	NA
18	Erie Insurance	$1,371	$114
18	Geico	$1,549	$129
18	Travelers	$1,913	$159
18	Progressive	$1,978	$165
18	State Farm	$2,225	$185
18	Kemper	$2,568	$214
18	Penn National Insurance	$2,793	$233
18	Nationwide	$2,859	$238
18	Allstate	$3,759	$313
19	Erie Insurance	$1,234	$103
19	Geico	$1,362	$114
19	Travelers	$1,496	$125
19	Progressive	$1,629	$136
19	State Farm	$1,913	$159
19	Kemper	$2,318	$193
19	Nationwide	$2,424	$202
19	Penn National Insurance	$2,451	$204
19	Allstate	$2,456	$205
20	Erie Insurance	$1,124	$94
20	Geico	$1,234	$103
20	Travelers	$1,252	$104
20	Progressive	$1,492	$124
20	State Farm	$1,656	$138
20	Kemper	$2,043	$170
20	Penn National Insurance	$2,188	$182
20	Nationwide	$2,190	$183
20	Allstate	$2,192	$183
21	Geico	$896	$75
21	Travelers	$1,012	$84
21	Erie Insurance	$1,092	$91
21	Progressive	$1,264	$105
21	Nationwide	$1,396	$116
21	State Farm	$1,407	$117
21	Allstate	$1,662	$139
21	Kemper	$1,665	$139
21	Penn National Insurance	$1,933	$161
22	Geico	$826	$69
22	Travelers	$917	$76
22	Erie Insurance	$961	$80
22	Progressive	$1,155	$96
22	Nationwide	$1,244	$104
22	State Farm	$1,269	$106
22	Kemper	$1,435	$120
22	Allstate	$1,593	$133
22	Penn National Insurance	$1,719	$143
23	Geico	$762	$64
23	Travelers	$835	$70
23	Erie Insurance	$907	$76
23	Progressive	$1,066	$89
23	State Farm	$1,122	$94
23	Nationwide	$1,154	$96
23	Kemper	$1,242	$104
23	Penn National Insurance	$1,529	$127
23	Allstate	$1,531	$128
24	Geico	$692	$58
24	Travelers	$787	$66
24	Erie Insurance	$855	$71
24	Progressive	$994	$83
24	State Farm	$1,004	$84
24	Nationwide	$1,089	$91
24	Kemper	$1,178	$98
24	Penn National Insurance	$1,366	$114
24	Allstate	$1,408	$117
25	Geico	$589	$49
25	Travelers	$716	$60
25	Kemper	$749	$62
25	Erie Insurance	$823	$69
25	Progressive	$879	$73
25	State Farm	$883	$74
25	Nationwide	$895	$75
25	Penn National Insurance	$1,166	$97
25	Allstate	$1,245	$104
30	Geico	$462	$39
30	Kemper	$644	$54
30	Erie Insurance	$692	$58
30	Travelers	$700	$58
30	State Farm	$745	$62
30	Nationwide	$768	$64
30	Progressive	$809	$67
30	Penn National Insurance	$1,066	$89
30	Allstate	$1,232	$103
35	Geico	$453	$38
35	Erie Insurance	$627	$52
35	Kemper	$647	$54
35	Travelers	$698	$58
35	Nationwide	$729	$61
35	State Farm	$736	$61
35	Progressive	$797	$66
35	Penn National Insurance	$1,046	$87
35	Allstate	$1,227	$102
40	Geico	$453	$38
40	Erie Insurance	$594	$50
40	Travelers	$658	$55
40	Kemper	$693	$58
40	Nationwide	$716	$60
40	State Farm	$744	$62
40	Progressive	$786	$66
40	Penn National Insurance	$1,021	$85
40	Allstate	$1,227	$102
45	Geico	$453	$38
45	Erie Insurance	$578	$48
45	Travelers	$658	$55
45	Nationwide	$707	$59
45	Kemper	$713	$59
45	State Farm	$749	$62
45	Progressive	$784	$65
45	Penn National Insurance	$996	$83
45	Allstate	$1,222	$102
50	Geico	$407	$34
50	Erie Insurance	$578	$48
50	Travelers	$658	$55
50	Nationwide	$695	$58
50	Kemper	$711	$59
50	State Farm	$737	$61
50	Progressive	$764	$64
50	Penn National Insurance	$941	$78
50	Allstate	$1,210	$101
55	Geico	$407	$34
55	Erie Insurance	$578	$48
55	Travelers	$625	$52
55	Kemper	$687	$57
55	Nationwide	$689	$57
55	State Farm	$716	$60
55	Progressive	$773	$64
55	Penn National Insurance	$888	$74
55	Allstate	$1,195	$100
60	Geico	$417	$35
60	Erie Insurance	$589	$49
60	Travelers	$634	$53
60	Kemper	$684	$57
60	Nationwide	$693	$58
60	State Farm	$703	$59
60	Progressive	$776	$65
60	Penn National Insurance	$948	$79
60	Allstate	$1,281	$107
65	Geico	$476	$40
65	Erie Insurance	$646	$54
65	State Farm	$771	$64
65	Nationwide	$778	$65
65	Travelers	$825	$69
65	Kemper	$827	$69
65	Progressive	$844	$70
65	Penn National Insurance	$1,013	$84
65	Allstate	$1,357	$113
70	Geico	$476	$40
70	Erie Insurance	$646	$54
70	Nationwide	$778	$65
70	State Farm	$787	$66
70	Travelers	$825	$69
70	Progressive	$844	$70
70	Kemper	$851	$71
70	Penn National Insurance	$1,019	$85
70	Allstate	$1,422	$119
75	Geico	$527	$44
75	Erie Insurance	$646	$54
75	Nationwide	$778	$65
75	State Farm	$788	$66
75	Travelers	$825	$69
75	Progressive	$844	$70
75	Kemper	$915	$76
75	Penn National Insurance	$1,019	$85
75	Allstate	$1,466	$122
16	USAA	$1,931	$161
17	USAA	$1,388	$116
18	USAA	$1,145	$95
19	USAA	$1,000	$83
20	USAA	$924	$77
21	USAA	$550	$46
22	USAA	$510	$43
23	USAA	$470	$39
24	USAA	$449	$37
25	USAA	$422	$35
30	USAA	$381	$32
35	USAA	$373	$31
40	USAA	$362	$30
45	USAA	$355	$30
50	USAA	$347	$29
55	USAA	$344	$29
60	USAA	$344	$29
65	USAA	$378	$32
70	USAA	$378	$32
75	USAA	$378	$32

Read our methodology

Age	Company	Female annual premium	Female monthly premium
16	Geico	$1,572	$131
16	Erie Insurance	$1,393	$116
16	State Farm	$2,405	$200
16	Kemper	$3,226	$269
16	Travelers	$2,541	$212
16	Penn National Insurance	$3,241	$270
16	Nationwide	$3,188	$266
16	Progressive	$3,829	$319
16	Allstate	$5,002	$417
17	Erie Insurance	$1,333	$111
17	Geico	$1,494	$125
17	Progressive	$2,133	$178
17	State Farm	$2,091	$174
17	Travelers	$2,079	$173
17	Kemper	$2,558	$213
17	Nationwide	$2,798	$233
17	Penn National Insurance	$3,241	$270
17	Allstate	$4,356	$363
18	Erie Insurance	$1,196	$100
18	Geico	$1,294	$108
18	Travelers	$1,517	$126
18	Progressive	$1,849	$154
18	State Farm	$1,831	$153
18	Kemper	$2,182	$182
18	Penn National Insurance	$2,620	$218
18	Nationwide	$2,572	$214
18	Allstate	$3,420	$285
19	Erie Insurance	$1,070	$89
19	Geico	$1,109	$92
19	Travelers	$1,219	$102
19	Progressive	$1,512	$126
19	State Farm	$1,590	$133
19	Kemper	$1,815	$151
19	Nationwide	$2,227	$186
19	Penn National Insurance	$2,325	$194
19	Allstate	$2,463	$205
20	Erie Insurance	$922	$77
20	Geico	$969	$81
20	Travelers	$1,051	$88
20	Progressive	$1,394	$116
20	State Farm	$1,403	$117
20	Kemper	$1,612	$134
20	Penn National Insurance	$2,065	$172
20	Nationwide	$2,044	$170
20	Allstate	$1,975	$165
21	Geico	$655	$55
21	Travelers	$881	$73
21	Erie Insurance	$856	$71
21	Progressive	$1,234	$103
21	Nationwide	$1,332	$111
21	State Farm	$1,219	$102
21	Allstate	$1,707	$142
21	Kemper	$1,363	$114
21	Penn National Insurance	$1,835	$153
22	Geico	$655	$55
22	Travelers	$817	$68
22	Erie Insurance	$736	$61
22	Progressive	$1,167	$97
22	Nationwide	$1,196	$100
22	State Farm	$1,117	$93
22	Kemper	$1,216	$101
22	Allstate	$1,575	$131
22	Penn National Insurance	$1,632	$136
23	Geico	$627	$52
23	Travelers	$779	$65
23	Erie Insurance	$671	$56
23	Progressive	$1,071	$89
23	State Farm	$994	$83
23	Nationwide	$1,124	$94
23	Kemper	$1,087	$91
23	Penn National Insurance	$1,453	$121
23	Allstate	$1,423	$119
24	Geico	$622	$52
24	Travelers	$764	$64
24	Erie Insurance	$839	$70
24	Progressive	$1,011	$84
24	State Farm	$913	$76
24	Nationwide	$1,066	$89
24	Kemper	$1,100	$92
24	Penn National Insurance	$1,295	$108
24	Allstate	$1,392	$116
25	Geico	$506	$42
25	Travelers	$695	$58
25	Kemper	$749	$62
25	Erie Insurance	$800	$67
25	Progressive	$923	$77
25	State Farm	$831	$69
25	Nationwide	$889	$74
25	Penn National Insurance	$1,109	$92
25	Allstate	$1,245	$104
30	Geico	$420	$35
30	Kemper	$704	$59
30	Erie Insurance	$681	$57
30	Travelers	$679	$57
30	State Farm	$742	$62
30	Nationwide	$783	$65
30	Progressive	$872	$73
30	Penn National Insurance	$1,060	$88
30	Allstate	$1,286	$107
35	Geico	$413	$34
35	Erie Insurance	$627	$52
35	Kemper	$708	$59
35	Travelers	$674	$56
35	Nationwide	$750	$63
35	State Farm	$734	$61
35	Progressive	$862	$72
35	Penn National Insurance	$1,046	$87
35	Allstate	$1,286	$107
40	Geico	$402	$34
40	Erie Insurance	$605	$50
40	Travelers	$636	$53
40	Kemper	$720	$60
40	Nationwide	$732	$61
40	State Farm	$744	$62
40	Progressive	$839	$70
40	Penn National Insurance	$1,021	$85
40	Allstate	$1,284	$107
45	Geico	$395	$33
45	Erie Insurance	$578	$48
45	Travelers	$636	$53
45	Nationwide	$717	$60
45	Kemper	$731	$61
45	State Farm	$749	$62
45	Progressive	$836	$70
45	Penn National Insurance	$996	$83
45	Allstate	$1,280	$107
50	Geico	$374	$31
50	Erie Insurance	$562	$47
50	Travelers	$636	$53
50	Nationwide	$699	$58
50	Kemper	$718	$60
50	State Farm	$737	$61
50	Progressive	$807	$67
50	Penn National Insurance	$941	$78
50	Allstate	$1,191	$99
55	Geico	$377	$31
55	Erie Insurance	$546	$46
55	Travelers	$605	$50
55	Kemper	$674	$56
55	Nationwide	$685	$57
55	State Farm	$717	$60
55	Progressive	$793	$66
55	Penn National Insurance	$888	$74
55	Allstate	$1,181	$98
60	Geico	$398	$33
60	Erie Insurance	$546	$46
60	Travelers	$611	$51
60	Kemper	$660	$55
60	Nationwide	$677	$56
60	State Farm	$705	$59
60	Progressive	$796	$66
60	Penn National Insurance	$952	$79
60	Allstate	$1,260	$105
65	Geico	$477	$40
65	Erie Insurance	$608	$51
65	State Farm	$778	$65
65	Nationwide	$726	$61
65	Travelers	$767	$64
65	Kemper	$809	$67
65	Progressive	$888	$74
65	Penn National Insurance	$1,013	$84
65	Allstate	$1,354	$113
70	Geico	$477	$40
70	Erie Insurance	$608	$51
70	Nationwide	$726	$61
70	State Farm	$788	$66
70	Travelers	$767	$64
70	Progressive	$888	$74
70	Kemper	$832	$69
70	Penn National Insurance	$1,019	$85
70	Allstate	$1,401	$117
75	Geico	$528	$44
75	Erie Insurance	$608	$51
75	Nationwide	$726	$61
75	State Farm	$791	$66
75	Travelers	$767	$64
75	Progressive	$888	$74
75	Kemper	$895	$75
75	Penn National Insurance	$1,022	$85
75	Allstate	$1,438	$120
16	USAA	$1,735	$145
17	USAA	$1,236	$103
18	USAA	$1,008	$84
19	USAA	$847	$71
20	USAA	$796	$66
21	USAA	$486	$41
22	USAA	$454	$38
23	USAA	$427	$36
24	USAA	$403	$34
25	USAA	$381	$32
30	USAA	$375	$31
35	USAA	$373	$31
40	USAA	$362	$30
45	USAA	$355	$30
50	USAA	$347	$29
55	USAA	$344	$29
60	USAA	$344	$29
65	USAA	$378	$32
70	USAA	$378	$32
75	USAA	$378	$32

Read our methodology

Maryland minimum coverage cost by city

Hagerstown drivers pay the least for minimum coverage in Maryland at $589. However, Baltimore pay the most at $1,045.

Car insurance rates vary by city. For example, drivers in larger cities with a high traffic volume or vehicle theft rate pay higher rates.

The table below shows average minimum coverage rates for cities in Maryland.

City	Average annual premium	Average monthly premium
Hagerstown	$589	$49
Salisbury	$616	$51
Frederick	$623	$52
Annapolis	$740	$62
Rockville	$772	$64
Gaithersburg	$776	$65
Bowie	$851	$71
Laurel	$867	$72
College Park	$948	$79
Baltimore	$1,045	$87

Read our methodology

Optional car insurance coverage in Maryland

Maryland requires drivers to carry car insurance to pay for injuries and damages caused to others. However, drivers don't have to carry coverage for their vehicle unless required by a loan or lease.

Drivers may choose optional coverages such as:

Collision. Collision coverage pays for damages to your vehicle if you cause an accident.
Comprehensive. This coverage pays for damages to your car unrelated to an accident, such as fire, flood, falling debris, and hail.
Rental car coverage. This pays for a rental car if your vehicle is being repaired for a covered claim and usually has time and cost limits.
Roadside assistance. If you run out of gas, need a tire changed, or have a dead battery roadside assistance will send someone to help.
Gap. Gap coverage pays the difference between what you owe on a car loan and the vehicle's value.

Methodology

Insurance.com commissioned state minimum car insurance rates from Quadrant Information Systems based on a 40-year-old driver with good credit and a clean driving history, driving a 2023 Honda Accord LX. Rates are based on all coverages required by law at minimum coverage limits. Rates were also fielded for various additional age groups. State laws were gathered from state DMV and insurance department websites.

Maryland car insurance laws and requirements: FAQs

Is it mandatory to have car insurance in Maryland?

Yes, Maryland requires that you carry at least the minimum mandatory coverage. Necessary coverage includes UMBI, UMPD and PIP $2,500.

Will my bare minimum car insurance cover me in another state?

Yes, your car insurance covers claims in another state, even if the minimums are higher in the other state.

What happens if I drive without car insurance in Maryland?

If you're caught driving without car insurance in Maryland, you may face fines, a driver's license suspension, having your vehicle impounded, and increased car insurance rates. Additionally, you may face jail time, especially for multiple violations.