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Maryland Auto Insurance Requirements

In Maryland it is required by state law that you maintain a minimum bodily injury liability limit of $20,000 per person, $40,000 per accident, and $15,000 property damage limit. This coverage is referred to as 50/100/25 coverage with 20/40 UM limits.

Maryland Insurance Coverage Limit Minimums:
Bodily Injury Liability $20,000/$40,000 - Property Damage Liability $15,000
Uninsured/Underinsured Bodily Injury $20,000/$40,000
Uninsured Property Damage $15,000
Personal Injury Protection $2,500

Maryland maintains a tort insurance system meaning there is always someone at fault when an accident happens. The individual found at fault and there insurance provider are responsible to pay for all damages incurred from the accident. Tort systems vary by state.

Maryland law requires you to carry Personal Injury Protection (PIP) to help pay for medical expenses in the amount of $4,500. You are also required to have Uninsured/Underinsured bodily injury coverage to protect against damages caused to you and your passengers by an Uninsured/Underinsured driver in the amount of $20,000 per person up to a total of $40,000. Uninsured Property Damage coverage in the amount of $15,000 is also required.

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