Minimum Car Insurance in Maryland

Maryland requires 30/60/15 liability coverage: $30,000 per person and $60,000 per accident for bodily injury, and $15,000 for property damage. Policies must also include uninsured/underinsured motorist coverage in the same minimum amounts ($30,000/$60,000 bodily injury and $15,000 property damage) and $2,500 of personal injury protection (PIP) unless PIP is waived. The Motor Vehicle Administration may accept another form of security (such as self-insurance) if it provides the required benefits.

Maryland uses a fault-based system for liability claims, with an add-on of personal injury protection (PIP). PIP pays at least $2,500 regardless of fault for medical expenses, 85% of lost income, and essential household services within 3 years of an accident. PIP is included unless the first named insured makes an affirmative written waiver on the Commissioner's form after receiving notice of the coverage and its cost. Claims for damages beyond PIP are made against the at-fault driver's liability coverage.

Uninsured motorist coverage (which in Maryland includes underinsured motorist coverage) is required in every auto liability policy, at minimums of $30,000/$60,000 for bodily injury and $15,000 for property damage. When a private passenger policy's liability limits exceed the state minimums, UM coverage must equal the liability limits unless the first named insured signs an affirmative written waiver on the Commissioner's form after being told the nature, benefit and cost of the coverage being waived. Insurers also offer optional enhanced underinsured motorist coverage.