Car Insurance in Maryland
Car Insurance Liability Requirements in Maryland
Minimum Liability Limits in MD: 30/60/15 [ 4]
30 Required coverage up to $30,000 for one individual injured in an accident
60 Required coverage up to $60,000 for all persons injured in an accident
15 Required coverage up to $15,000 for property damage in an accident
Note: These amounts are the minimum required by the law. Drivers may opt to purchase auto insurance above the mandatory minimums.
Required Car Insurance Coverage in Maryland
Auto Insurance Coverage Requirements in MD [ 4]
Bodily injury liability coverage Property damage liability coverage Uninsured motorist coverage Underinsured motorist coverage Personal injury protection coverage Note: Personal Injury Protection (PIP) may be waived for the policyholder but is compulsory for passengers. Car Insurance Verification Laws in Maryland
Insurer Verification of Auto Insurance in MD [ 4]
Insurer must notify Department of Motor Vehicles or other state agency of cancellation or nonrenewal.
Maryland Car Insurance Facts, Estimates & Related Laws
Maryland Car Insurance Facts
Average Car Insurance Rates in MD
Maryland had the 9th highest auto insurance rates in the nation in 2010.
[ 2] Rates in MD ranked 10th in the nation in 2009.
[ 2] In 2008, MD had the 10th highest rates in the country.
Number of Auto Insurance Policies in MD
Maryland ranked 20th in the nation in auto insurance policies in 2011 with a total of 3,920,707.
Uninsured Motorist Rate in MD
The uninsured motorist rate in MD ranked 18th in the nation in 2009.
Maryland Distracted Driving Laws
Hand-held phone ban? Yes hand-held phone ban in place for all drivers. [ 7]
Texting-while-driving ban? Yes Texting-while-driving ban in place for all drivers. [ 7]
Young drivers cell phone ban? Yes Ban applies to drivers younger than 18. [ 7]
Bus driver cell phone ban? Yes Ban applies to school bus drivers (hand-held ban). [ 7]
Enforcement of laws:
Primary enforcement in effect.
[ 7] With primary enforcement, a police officer can pull over a driver for that specific offense.
Under a primary law, a police officer can stop a driver for that specific offense. Under a secondary law, an officer must stop a driver for a primary offense before ticketing for the secondary offense.
Maryland Automotive Laws
Safety Belt Laws in MD
Safety belt laws have been in place since 1986 and apply to drivers/passengers 16+ years in all seats (effective 10/01/13).
[ 7] Child restraint law in place for 7 years and younger and less than 57 inches.
Motorcycle Helmet Laws in MD
Motorcycle helmets required for all riders.
Driver's License Renewal Cycle in MD
Renewal cycle: 8 years
Maryland Auto & Driver Facts
Maryland Automotive Facts
Speed Limits in MD
Rural interstates: 65 mph
[ 7] Urban interstates: 65 mph
[ 7] Other roads: 55 mph
Motor Fuel Consumption in MD
Maryland cities collectively ranked 22nd in the nation in total motor fuel consumption in 2011.
Maryland Licensed Drivers
Licensed Drivers in MD [ 10]
Total Drivers: 3,856,604
MD has the 20th most drivers in the U.S.
Minimum Driving Age in MD [ 5]
Maryland has a minimum driving age of 15 years, 9 months.
Maryland Auto Registrations
Auto Registrations in MD [ 8]
Registered Cars: 2,088,130
Registered Trucks: 1,682,819
Registered Motorcycles: 120,122
Total Registrations: 3,905,629
Rank: Maryland ranked 24th in the United States in total auto registrations in 2011.
Additional information about Maryland
Maryland has a population of approximately 5,773,552, which ranks 19th in the U.S. among all states.
More about Maryland auto insurance
For more information about auto insurance in MD, or for additional resources regarding
Maryland car insurance, visit the Maryland Department of Insurance.
Did you know?
Penalties for driving without required insurance coverage vary widely by location. Fines can reach into the thousands of dollars.
1. ^ Automobile Insurance Plans Service Office (AIPSO)
2. ^ National Association of Insurance Commissioners (NAIC)
3. ^ Insurance Research Council (IRC)
4. ^ Insurance Information Institute (III)
5. ^ Insurance Institute for Highway Safety (IIHS)
6. ^ United States Census Bureau
7. ^ IIHS & Highway Loss Data Institute
8. ^ Office of Highway Policy Information
9. ^ U.S. Department of Transportation
10. ^ Federal Highway Administration