State guide
Insurance in Maryland
Required coverage, penalties, official contacts and sources for Maryland, reviewed 2026-10.
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Car insurance
What Maryland requires.
Liability 30/60/15 plus uninsured motorist and PIP. Claims system: fault-based claims.
| Coverage | Requirement in Maryland |
|---|---|
| Bodily injury liability | $30,000 per person / $60,000 per accident |
| Property damage liability | $15,000 per accident |
| Injury protection | Personal injury protection (PIP): $2,500 per person, according to Maryland Auto Insurance |
| Uninsured / underinsured motorist | Uninsured motorist limits of 30/60/15, according to Maryland Auto Insurance |
Required coverage
- Bodily injury liability: at least $30,000 per person and $60,000 per accident
- Property damage liability: at least $15,000
- Active insurance for the entire time the vehicle is registered, even if it is not being driven
- Uninsured motorist limits of 30/60/15 and PIP of $2,500, as described by Maryland Auto Insurance
Other coverage commonly available
- Collision
- Comprehensive
- Higher uninsured motorist limits (up to your liability limits)
If you drive without required coverage
The MVA says insurance violation penalties are set by law and based on how long the vehicle was uninsured. Unpaid penalties may result in registration suspension, vehicle flags and compounding fees, and are eventually referred to the Central Collections Unit, where an additional 17% is added. If you cancel insurance and do not replace it, return your license plates to stop penalties.
Notices
What to know in Maryland.
- Maryland law requires every registered vehicle to have continuous auto insurance at all times, even if the vehicle is not being driven.
- Your insurance must match the vehicle information on file with the MVA, and insurers report coverage to the MVA electronically. If the MVA shows a problem and your insurance is active, contact your insurer and ask it to correct the record (an FR-19 filing).
- Only insurance companies licensed and approved to do business in Maryland may insure vehicles registered there.
- If your policy was canceled or you were denied coverage by two or more insurers, you may be eligible for coverage through Maryland Auto Insurance, which the MVA does not manage.
- MVA contact center: 410-768-7000.
- The uninsured motorist and PIP figures come from Maryland Auto Insurance (MAIF), a state-created insurer, because the MVA pages list only the liability minimums. Confirm them with the Maryland Insurance Administration.
General information only. It is not legal advice. Rules change, so confirm with the official sources listed below.
Home insurance
Start with the Maryland Insurance Administration
- Standard homeowners policies typically exclude flood. Flood coverage is bought separately, including through the National Flood Insurance Program.
- The Maryland Insurance Administration publishes a flood insurance page and is the state authority for questions about insurers, agents and complaints.
Health insurance
Maryland Health Connection
Maryland Health Connection (state-based marketplace)
- CMS lists Maryland as a state-based exchange for plan year 2026. State marketplaces can set their own enrollment dates, so confirm them on the marketplace site.
Contacts
Who to contact.
- Maryland Insurance Administration
- Website: insurance.maryland.gov
- NAIC directory of state insurance departments
Sources
Where this summary comes from.
Reviewed 2026-10. Check each source for the current rule.
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