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Maryland’s minimum car insurance coverage requirements

While every state has some sort of mandatory guideline regarding car and auto insurance coverage, the minimum limits vary by state.  The following is a breakdown of minimum liability requirements for Maryland:

Is it mandatory to have car insurance in Maryland?  


What are the minimum limits for Maryland? 

$30,000 bodily injury per person 
$60,000 bodily injury per accident 
$15,000 property damage per accident



Dairyland® coverage in Maryland

At Dairyland, we’re proud to be able to help drivers in Maryland meet their insurance needs. Here are some of the parameters of our insurance coverage in Maryland:

What is the maximum bodily injury liability and property damage limit Dairyland offers in Maryland?

$50,000 bodily injury per person 
$100,000 bodily injury per accident 
$50,000 property damage per accident



What liability coverages are required to be offered offer in Maryland? Can a customer reject them?

Bodily Injury, Property Damage, Uninsured Motorist/Underinsured Motorist Bodily Injury, and Uninsured Motorist/Underinsured Motorist Property Damage must be offered and can’t be rejected. Personal Injury Protection also must be offered, but can be rejected.

What are all the coverages Dairyland offers in Maryland?

  • Bodily Injury
  • Property Damage
  • Uninsured Motorist/Underinsured Motorist Bodily Injury
  • Uninsured Motorist/Underinsured Motorist Property Damage
  • Personal Injury Protection
  • Comprehensive
  • Collision
  • Rental Reimbursement
  • Special Equipment
  • Towing and Labor
  • Lienholder Deductible

What’s the oldest a vehicle can be to get Dairyland’s comprehensive and collision coverage in Maryland?

 20 years 

How far back does Maryland go to look at violation history? 

3 years

What additional policy types are offered in Maryland? 

Named Non-Owner and Broad Form Named Driver

Is an insurance score used in my rating in Maryland? If so, is it mandatory?

Yes, an insurance score is used for rating in Maryland, but the insured can opt out.

What policy terms does Dairyland offer in Maryland?

6 months

What is Dairyland’s minimum down payment option in Maryland?

20% down with four installments

Are SR22s and/or FR44s used in Maryland?  If so, is there a fee assessed by Dairyland? Is it filed electronically? 

These are not used in Maryland.

What discounts are available from Dairyland in Maryland?

  • Multi-car
  • Homeowners
  • Prior insurance (transfer)
  • Paid in full
  • Advanced quote
  • Defensive driver course
  • Good driver

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