The Old Line State

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Maryland Auto Insurance Coverage

Known across the country for Blue Crabs and Baltimore, Maryland is full of American history and delicious eateries. But, whether you're new in town or have deep roots in the Old Line State, it's important to understand Maryland's auto insurance requirements.

Required Auto Insurance in Maryland

Maryland requires all drivers to have liability insurance for both property damage and bodily injury, which pays for any damage or injuries caused by an accident in which you were at fault. Maryland requires the following minimum liability coverage:

  • Bodily Injury: $30,000 per person and $60,000 per accident.
  • Property Damage: $15,000 per accident.
  • Uninsured Motorist Bodily Injury: $30,000 per person and $60,000 per accident.
  • Uninsured Motorist Property Damage: $15,000 per accident. 

Maryland Teen Driving Laws

Maryland operates under a Graduated Driver's License (GDL) program, which includes three stages: Learner's Permit, Provisional License, and Full License. 

  • Learner's Permit: At 15 years and 9 months old, teens can obtain an instructional permit after passing a knowledge exam. A learner's permit allows teens to drive with a parent, legal guardian, licensed driver over 21, or a certified driving instructor. 
  • Provisional License At 16 years and 9 months old, teen drivers may apply for their Provisional license after completing the required 60 hours of driving practice, finishing an education course, and passing a road skills exam. With a provisional license, teens cannot drive unsupervised between midnight and 5:00 AM.
  • Full License: At 18, drivers may obtain their full, unrestricted license, provided that the driver had no traffic violations during the previous 12 months.

Please be aware of additional restrictions for teen drivers in Maryland.

Maryland Auto Insurance Discounts

Looking to save? You may qualify for one or more auto insurance discounts available to drivers in Maryland. Some examples of common discounts include:

  • Safe driver
  • Good student
  • Installed anti-theft systems
  • Multi-vehicle
  • Accident-free
  • Multi-policy




Read more about potential discounts by visiting our auto insurance discounts page.

Optional Coverage in Maryland

No law in Maryland states that you must settle for the state's minimum auto insurance requirements. You can always expand your coverage by purchasing optional insurance policies that cover a broader range of expenses and situations.

Start your Maryland auto insurance quote online, or by calling (888) 772-4247.

Learn More About Maryland

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About Maryland

Maryland became America's 7th state in 1788. Originally one of the first 13 colonies, Maryland is full of American history. In fact, the national anthem was first written in Baltimore.