Auto Insurance Minimum Requirements
Maryland requires all drivers to carry minimum liability coverage of $30,000 per person and $60,000 per accident for bodily injury, plus $15,000 for property damage — commonly written as 30/60/15. Maryland is a tort (at-fault) state, which determines how fault and claims are handled after a collision. Uninsured motorist coverage is mandatory. Personal Injury Protection (PIP) is required at a minimum of $2,500.
Important Notes
Maryland mandates that continuous insurance coverage must be maintained on all registered vehicles at all times, even if the vehicle is not actively driven or operational. Insurers must report lapses instantly, which triggers automatic daily MVA fines. PIP is mandatory at $2,500 unless specifically waived by the first named insured for certain eligible exclusions.
Uninsured / Underinsured Motorist
Mandatory coverage must equal liability minimum limits (30/60/15).
SR-22 Filings
Required for 3 years following specific revocations or persistent non-compliance triggers.
Alternatives to Insurance
Self-insurance certificates are reserved for institutional commercial entities.
Fine
$150–$2,500
License / Registration
Suspension: Yes
SR-22 Required After
No
What is the minimum car insurance required in Maryland?
Maryland requires minimum liability coverage of $30,000 per person and $60,000 per accident for bodily injury, plus $15,000 for property damage. This is written as 30/60/15 coverage.
Is Maryland a no-fault state?
No, Maryland is a tort (at-fault) state. The driver responsible for the accident is liable for damages, and claims are filed against their insurance.
Is uninsured motorist coverage required in Maryland?
Yes. Maryland requires uninsured motorist (UM) coverage. Underinsured motorist (UIM) coverage is also required. Mandatory coverage must equal liability minimum limits (30/60/15).
What happens if I drive without insurance in Maryland?
Driving without insurance in Maryland can result in fines of $150–$2,500 and license/registration suspension.
Do I need an SR-22 in Maryland?
SR-22 filings are used in Maryland for high-risk drivers following events like DUI convictions, serious violations, or driving without insurance. An SR-22 is a certificate of financial responsibility filed by your insurer — it is not a type of insurance policy. Required for 3 years following specific revocations or persistent non-compliance triggers.
What does 30/60/15 mean in Maryland?
These numbers represent your liability limits: $30,000 per person for bodily injury, $60,000 per accident for bodily injury, and $15,000 for property damage. These are the legal minimums — purchasing higher limits provides greater financial protection.
Official Source
Maryland Motor Vehicle Administration
Last verified: 2026-05-27 · Always confirm with official state sources before making coverage decisions.