Maryland Car Insurance Laws Apr 2026

: $30,000 per person and $60,000 per accident. Property Damage Liability : $15,000 per accident.

: Driving without insurance is a misdemeanor. Conviction can result in fines up to $1,000, and the Maryland Motor Vehicle Administration (MVA) can impose administrative fees or suspend your registration.

Maryland is a state for car insurance, meaning the driver responsible for an accident is liable for the resulting damages. State law requires all vehicle owners to maintain specific minimum insurance limits to legally operate or register a vehicle. Minimum Insurance Requirements (30/60/15) maryland car insurance laws

: Matches the liability minimums ($30,000/$60,000 for injury; $15,000 for property) to protect you if hit by an uninsured driver.

: Maryland follows a strict contributory negligence rule. If you are found even 1% at fault for an accident, you may be barred from recovering any damages from the other driver. Factors Affecting Maryland Rates Guide to Car Accident Claims in Maryland : $30,000 per person and $60,000 per accident

: A minimum of $2,500 is required, though it can sometimes be waived for certain family members. Key Maryland Auto Insurance Laws

Maryland drivers must carry a "30/60/15" policy, which includes both liability and uninsured motorist coverage: Conviction can result in fines up to $1,000,

: Most policies require you to notify your insurer "promptly" after a crash, typically within 24 to 72 hours .