Maryland Car Insurance Minimum Requirements
Maryland requires at least 30/60/15 liability coverage. That is $30,000 for injuries to one person, $60,000 per accident and $15,000 for property damage.
- Shorthand
- 30/60/15
The minimums apply to every registered vehicle, even one that is not being driven.
- Bodily injury — per person
- $30,000
- Bodily injury — per accident
- $60,000
For any two or more persons injured or killed in one accident.
- Property damage
- $15,000
- Uninsured / underinsured motorist
- Required — equal to your liability limits unless you waive in writing
Every policy must carry uninsured motorist coverage for bodily injury and property damage of at least 30/60/15. Since July 1, 2024 new private passenger policies include enhanced underinsured motorist coverage by default, which pays on top of the at-fault driver's insurance instead of being reduced by it, at the same limits as your liability coverage. You can decline it only by an affirmative written waiver, keeping standard uninsured motorist coverage instead, which must also equal your liability limits unless you waive that in writing.
- Personal injury protection (PIP)
- Required unless waived in writing
Personal injury protection is included in every policy unless the first named insured signs an affirmative written waiver on the Commissioner's form. A waiver binds every named insured, listed driver and household member 16 or older. A narrow outright rejection is also allowed on minimum-limit policies for certain applicants, such as those coming off a cancelled policy.
- PIP minimum limit
- $2,500
Up to $2,500 for medical, hospital, dental, funeral and similar expenses, 85% of lost income, and household services, each incurred within 3 years of the accident. Paid regardless of who caused the crash.
Maryland sets $15,000 — higher than 11 of the 51 jurisdictions on this site. The range runs from $5,000 to $50,000.
How Maryland compares with every other state
What these numbers buy you
Those first two numbers are two different walls, and drivers regularly mistake them for one. $30,000 is the most the policy pays for any single person's injuries. $60,000 is the ceiling for everyone hurt in the same crash put together. Injure one person badly and $30,000 is all your insurer owes, however large the bill. Injure three people and they divide $60,000 between them. Anything a court awards above those lines is yours to pay, and it does not go away when the policy runs out.
The $15,000 of property damage cover is the figure drivers look at last and need first. It pays for what you hit — the other car, a guardrail, a storefront — and nothing else. Only 11 states on this site set a lower floor. Whatever the repair or replacement actually costs above $15,000 is not covered by this policy, and the difference is a debt in your name rather than your insurer's.
None of this is what Maryland drivers actually spend. The average premium written per insured vehicle here was $514 in 2023, 9th highest of 51 states and DC — and that average covers policies far above the legal floor, not the bare minimum on this page.
Carrying the minimum is legal, not safe. It is the line below which Maryland will not let you drive — and the penalties for falling under it are on the driving uninsured page.
Common questions
Is uninsured motorist coverage required in Maryland?
Required — equal to your liability limits unless you waive in writing.
Is PIP required in Maryland?
Required unless waived in writing.
Is full coverage required in Maryland?
No. Collision and comprehensive — the two coverages people usually mean by "full coverage" — are not part of what Maryland law requires. A lender or leasing company will usually require them until the car is paid off.
Every statute cited for Maryland
What changed
July 1, 2024
Enhanced 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. § 19-509.1
Why the rule looks like this
- What Changed in 2026Liability minimums doubled in Hawaii, two states dropped pure comparative fault, New Hampshire stopped inspecting cars, and three crash reporting thresholds moved — a dated account of the 2026 changes, and the ones already signed for 2027 and beyond.
- Fifteen Thousand Dollars, or Two Hundred and Fifty ThousandThe legal minimum for injuring one person in a crash ranges from $15,000 in Pennsylvania to $250,000 in Michigan — and in Florida there is no bodily injury requirement at all.
More on Maryland
Checked against the primary sources above on September 22, 2026. If a figure here is wrong, tell us and we will fix it — what we have corrected so far is public.