Cheap auto insurance in Maryland

Illustration of Burnside's Bridge in MarylandIllustration of Burnside's Bridge in Maryland

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



Car insurance coverages in Maryland

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 liability limit offered in Maryland?

$100,000 bodily injury liability per person
$300,000 bodily injury liability per accident 
$50,000 property damage liability per accident



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

Bodily injury liability, property damage liability, uninsured/underinsured motorist bodily injury, and uninsured/underinsured motorist property damage must be offered and can’t be rejected. Personal injury protection must also be offered, but can be rejected.

What coverages are available in Maryland?

  • Bodily injury liability

  • Property damage liability

  • Uninsured/underinsured bodily injury

  • Uninsured/underinsured property damage

  • Comprehensive

  • Collision

  • Lienholder deductible

  • Special equipment

  • Rental reimbursement

  • Roadside assistance

What’s the oldest a vehicle can be to get 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?

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

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

What policy terms are available in Maryland?

6 months

What is the minimum down payment option in Maryland?

20% down with five installments

Are SR22s and/or FR44s used in Maryland? If so, is there a fee? Are they filed electronically?

SR22s and FR44s aren’t used in Maryland.

What discounts are available in Maryland?

  • Multi-car

  • Homeowners

  • Prior insurance (transfer)

  • Paid in full

  • Advanced quote

  • Defensive driver course

  • Good driver

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