Maryland car insurance

Getting car insurance in Maryland

Heavy traffic on I-95 and the Capital Beltway means a more hectic drive than the quieter ride you may find in western Maryland and along the Eastern Shore. Your car insurance should fit where and how you drive, and Progressive helps you compare coverage options and build a policy around your needs and budget. For example, with our rate comparison tool you can compare your Progressive quote with rates from other insurers.

What are the minimum auto insurance requirements in Maryland?

Maryland requires drivers to carry liability and uninsured/underinsured motorist coverage with at least the following limits. Insurers must also offer at least $2,500 in personal injury protection (PIP), although drivers may select limited PIP and certain individuals may reject PIP entirely.

Maryland allows drivers to select limited PIP coverage, and certain eligible individuals may reject PIP entirely. For newly issued policies, enhanced underinsured motorist (EUIM) coverage is the default unless the policyholder opts out. EUIM may provide additional protection when an at-fault driver's liability limits aren't enough to cover your injuries or damaged vehicle.

While these are Maryland's minimum coverage limits, higher limits may offer better financial protection after a serious accident. See how much car insurance you may need.

What is the average cost of car insurance in Maryland?

Drivers in high-cost states like Maryland pay an average of $165.02 per month for a liability-only policy from Progressive in 2025.^† That amount is based on one vehicle and one driver. Your rate may vary based on factors such as your driving history, vehicle, and coverage choices.

Factors that impact your auto insurance rate in Maryland

Several factors affect how much you pay for auto insurance in Maryland, including:

• Driving and claims history: Tickets, accidents, and prior claims may affect your rate.
• Vehicle type: Insurers consider your car's make, model, age, safety features, and repair costs when setting rates.
• Location: Rates may reflect traffic, theft, weather, and claim frequency where you live. Maryland's mix of dense urban and suburban areas, as well as more rural roads, can create different insurance risks across the state.
• Vehicle use: How often and how far you drive may affect your rate.
• Coverage choices and deductibles: The coverages, limits, and deductibles you choose affect your premium. Higher limits or additional coverage generally cost more, while a higher deductible may lower your rate.

Recommended additional auto insurance coverages in Maryland

Maryland's required coverage may not cover every type of damage or expense after an accident. Additional coverages can help protect you and your vehicle.

If you finance or lease your vehicle, your lender or leasing company may require comprehensive and collision coverages. You must also have comprehensive and collision on your car to add rental car reimbursement.

Maryland driving resources

Use these resources to learn more about Maryland driving laws, insurance requirements, vehicle registration, and road conditions.

• Maryland Motor Vehicle Administration (MVA): Find information about driver's licenses, vehicle registration, insurance requirements, and other motor vehicle services.
• Maryland Insurance Administration: Review auto insurance requirements, coverage information, consumer guides, and complaint resources.
• Maryland Highway Safety Office: Find information about distracted driving, impaired driving, speeding, seat belts, motorcycle safety, and other road-safety programs.
• Maryland 511 and CHART: Check current traffic, crashes, road closures, construction, cameras, and weather-related road conditions.

Maryland car insurance FAQs