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Maryland

Auto Insurance Minimum Requirements

30/60/15
Liability Limits
No
No-Fault
$2,500
PIP Minimum
UM+UIM
Uninsured Motorist

Full Requirements

Bodily Injury (per person)$30,000
Bodily Injury (per accident)$60,000
Property Damage$15,000
Uninsured Motorist RequiredYes
Underinsured Motorist RequiredYes
PIP RequiredYes — $2,500 minimum
No-Fault StateNo (tort)
MedPay RequiredNo
SR-22 FilingsYes (for high-risk drivers)
Effective Date2011-01-01

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.

Official Source

Maryland Motor Vehicle Administration

View Official Site →

Last verified: 2026-05-27 · Always confirm with official state sources before making coverage decisions.