Maryland Car Insurance Requirements (Updated for 2025)

Maryland requires all drivers to maintain minimum liability insurance to legally operate a vehicle. The state follows an at-fault system, which means the driver responsible for an accident is liable for damages. Below are Maryland’s insurance requirements for 2025.

Minimum Liability Insurance Coverage

Maryland mandates the following minimum liability limits:

  • Bodily Injury Liability: $30,000 per person / $60,000 per accident
  • Property Damage Liability: $15,000 per accident

Often referred to as 30/60/15 coverage.

Optional Coverages to Consider

In addition to the minimum, consider:

  • Collision and Comprehensive Insurance
  • Uninsured/Underinsured Motorist Coverage (UM/UIM)
  • Medical Payments Coverage
  • Roadside Assistance and Rental Reimbursement

If your vehicle is financed or leased, full coverage is usually required by lenders.

Penalties for Driving Without Insurance

Failing to maintain required insurance in Maryland may result in:

  • Fines and license suspension
  • Vehicle registration suspension
  • SR-22 insurance filing requirement

Proof of Insurance

Maryland drivers must carry proof of insurance and present it to law enforcement or during registration when requested.

Frequently Asked Questions About Maryland Car Insurance

Is car insurance required in Maryland?

Yes. Maryland requires all registered vehicles to carry a minimum level of liability insurance and uninsured motorist coverage.

What are the minimum coverage limits in Maryland?

Maryland drivers must carry 30/60/15 liability coverage, plus uninsured motorist coverage of at least 30/60/15 and $2,500 in personal injury protection (PIP), unless waived.

Does Maryland use electronic insurance verification?

Yes. The Maryland MVA uses an electronic system to monitor insurance status and can issue fines or suspend registrations for lapsed coverage.

What happens if your insurance lapses in Maryland?

You may face daily fines, registration suspension, and collection fees. Insurance must be reinstated and verified to avoid continued penalties.

Is electronic proof of insurance accepted in Maryland?

Yes. Maryland law permits drivers to show digital proof of insurance using a smartphone or other device.

Compare Maryland’s insurance laws to nearby states:
Delaware,
Pennsylvania,
Virginia, and
West Virginia.

Disclaimer: This content is intended as a general guide and may not reflect recent updates. Please verify details with your insurance provider or the Maryland Motor Vehicle Administration.