Maryland drivers pay around $3,053 a year for full coverage — about 13% over the national average. The state is at-fault but mandates uninsured-motorist coverage on top of a 30/60/15 liability minimum. Here's the coverage you must carry, what Marylanders pay, and how to find a cheaper rate.
Maryland runs on an at-fault (tort) basis but mandates uninsured/underinsured motorist coverage and must offer PIP (which can be waived) on top of its 30/60/15 liability minimum. Full coverage averages roughly $3,053 a year, about 13% over the national average, with dense Baltimore–Washington corridor traffic, theft, and high vehicle density as the main cost drivers. Credit history is a permitted rating factor.
The coverages below are the minimum a driver must legally carry in Maryland. Source: Bankrate minimum-coverage requirements and state insurance department filings.
| Coverage | Minimum limit | Notes |
|---|---|---|
| Bodily injury liability | $30k / $60k | Per injured person / per crash |
| Property damage liability | $15k | Mandatory |
| Uninsured / underinsured motorist | $30k / $60k / $15k | Compulsory in Maryland |
| Personal injury protection | Offered | Must be offered; may be waived in writing |
Independent market estimates based on Bankrate's 2026 rate data and NAIC filings, shown against the U.S. average. Actual rates vary by ZIP, carrier, and individual profile.
| Coverage level | Est. annual premium | vs. U.S. avg. | Notes |
|---|---|---|---|
| Full coverage | $3,053/yr | 13% above U.S. | Comprehensive and collision included |
| Minimum coverage | $1,101/yr | 31% above U.S. | Bundles the required UM |
Estimates apply national rate-increase multipliers to Maryland's full-coverage average. Approximate (“~”) figures multiply the state average by a national factor and will vary by carrier.
| Driver profile | Est. annual premium | vs. state avg. | Notes |
|---|---|---|---|
| Clean record, 30–45 | ~$3,053/yr | Baseline | Statewide full-coverage average |
| One at-fault accident | ~$4,366/yr | +43% | 3,053 × 1.43 per Bankrate |
| Speeding ticket | ~$3,786/yr | +24% | 3,053 × 1.24 per Bankrate |
| DUI on record | ~$5,740/yr | +88% | 3,053 × 1.88 per Bankrate |
| Young driver (18–24) | ~$6,106/yr | ≈2× | About double per Bankrate |
| Poor credit score | ~$5,190/yr | +70% | 3,053 × 1.70 per Bankrate |
ⓘ Source: Bankrate 2026 rate data and NAIC filings. Figures are independent estimates, not quotes. Verify pricing with a licensed agent or carrier.
Maryland's required UM coverage and higher 30/60/15 minimum make its baseline policy more protective than bare-liability states — but they also push its minimum cost above average. Urban density in the Baltimore–DC corridor is the biggest upward pressure on full coverage. With credit and ZIP code creating wide gaps between carriers, comparison shopping is the most effective way to soften Maryland's higher baseline.
Maryland lands over the national average, with mandatory UM and a higher minimum adding both protection and cost. Weighing carriers and keeping your credit healthy is the best way to secure a competitive Maryland rate.
Disclaimer: RateWire is an independent lead generation and comparison service. Rate figures for Maryland are independent market estimates compiled from publicly available Bankrate, NAIC, and state regulatory data — not quotes. Coverage requirements summarized here are for general information only and may change; always confirm current minimums with the Maryland insurance department. By submitting your ZIP code, you may be connected with licensed insurance agents or carriers who will provide actual quotes based on your individual profile. Always verify coverage terms and pricing directly with a licensed agent before purchasing.