What changed in Maryland
Insurance law does not sit still, but most guides are written once and left alone. Repealed programs and retired forms keep circulating for years. This is what actually changed inMaryland, when, and where to verify it.
Every state we cover, in one feed: what changed across the country · RSS
July 1, 2024
Minimum coverageEnhanced underinsured motorist coverage became the default
Chapter 514 of 2023 requires insurers to include enhanced underinsured motorist coverage — which pays without reduction for the at-fault driver's insurance — in every new private passenger policy issued on or after July 1, 2024, unless the first named insured waives it in writing. Before that it was an optional add-on. Existing policies from before that date are not switched over unless the insured elects the coverage. The change is scheduled to sunset on June 30, 2029, when the coverage becomes opt-in again.
Md. Code, Ins. § 19-509.1July 1, 2024
Driving uninsuredMVA uninsured motorist penalty raised to $200 and capped at $3,500
Chapter 857 of 2024 (HB 1482) raised the penalty for the first 30 days of a lapse from $150 to $200 and the 12-month cap from $2,500 to $3,500. The daily rate from day 31 stays at $7. Guides that still quote $150 and $2,500 are out of date.
Maryland General Assembly — Chapter 857 of 2024
What this list does and does not cover
Recorded here: changes to the rules this site tracks for Maryland — liability minimums, SR-22 and proof-of-insurance requirements, penalties for driving uninsured, the fault system, what a lapse costs, new-resident deadlines and crash reporting. Each entry names the session law or statute that made the change and the date it took effect, not the date it was signed.
Not recorded: rate filings, individual insurer decisions, court rulings that do not change the text of the law, and changes to rules outside those seven subjects. A short list does not mean a quiet legislature — it means little moved in the parts of Maryland law a driver has to comply with.
A change that has passed but has not yet taken effect is not shown as current anywhere on this site. It sits on the Maryland pages as a dated pending value and replaces the current figure on the morning it comes into force. You can see every pending change across the country at the top of the national change feed, and the sources behind the Maryland figures on its statute index.