Car-insurance requirements in Maryland (2026)
Maryland requires 30/60/15 in the usual shorthand and separately requires personal-injury-style benefits unless the buyer waives or rejects them in the form the statute prescribes. Maryland also restricts credit rating rather than banning it.
- Minimum liability limits
- 30/60/15
- Fault system
- At-fault (tort)
- Tort threshold
- not applicable
- Restricted rating factors
- 2
What the statute requires
| Coverage | Amount | Status | Citation |
|---|---|---|---|
| Bodily injury liability, per person | $30,000 | required | Md. Code, Transp. §17-103(b) |
| Bodily injury liability, per accident | $60,000 | required | Md. Code, Transp. §17-103(b) |
| Property damage liability | $15,000 | required | Md. Code, Transp. §17-103(b) |
Source of record: the legislature’s own statute text, corroborated against the state insurance department or motor-vehicle agency. Verification status: primary text confirmed.
The part most published tables get wrong
The restriction is specific: credit may be used for new business only, its effect is capped, information older than a stated age may not be used, and the absence of a credit history may not be held against the applicant. That is a materially different rule from an outright ban, and lists that file Maryland beside the ban states misdescribe it.
How old is this minimum?
Our committed statutory record for Maryland does not carry the date its current limits took effect, so no real-terms restatement is shown. We will not deflate from a year we have not read in the statute or its enacting bill. The limits themselves are confirmed against primary text; only the commencement date is missing.
What the property-damage minimum leaves exposed
A $42,000 property-damage claim against Maryland’s minimum of $15,000 leaves $27,000 above the limit. That difference is the at-fault driver’s own exposure. The claim figure is an illustration; the limit is the statute.
Rating rules in Maryland
| Factor | Status | Authority |
|---|---|---|
| Credit information | Restricted New business only, capped at ±40%, no factor older than five years, and the absence of credit history cannot be used. | Md. Ins. §27-501(e-2) |
| Gender | No restriction found | — |
| ZIP code | No restriction found | — |
| Rating territory | No restriction found | — |
| Age | No restriction found | — |
| Marital status | Restricted Surviving-spouse protection only. | Md. Ins. §27-501 |
| Occupation | No restriction found | — |
| Education | No restriction found | — |
The same factor across every jurisdiction: credit-based rating by state, gender rating by state, age rating by state, marital-status rating by state, occupation and education rating by state, zip code and territory rating by state.
Premium data for Maryland
Maryland Insurance Administration publishes filed sample rates for 22 driver profiles across 29 ZIP codes, quoted as annual premiums. We compute the distribution of those filed rates — 32,648 of them — and publish the count, the lowest, the quartiles, the median and the highest for every published combination.
Coverage requirement checker
Pick a jurisdiction to see every coverage its statute requires, with the amount, the citation and whether it can be rejected.
Maryland — minimum limits 30/60/15
| Coverage | Amount | Status | Citation |
|---|---|---|---|
| Bodily injury liability, per person | $30,000 | required | Md. Code, Transp. §17-103(b) |
| Bodily injury liability, per accident | $60,000 | required | Md. Code, Transp. §17-103(b) |
| Property damage liability | $15,000 | required | Md. Code, Transp. §17-103(b) |
Fault system: At-fault (tort).
General information, not insurance, financial or legal advice. Requirements change; verify with your state insurance department or the statute before acting.
Questions about Maryland
- What is the minimum car insurance required in Maryland?
- Maryland requires liability limits of 30/60/15 under Md. Code, Transp. §17-103(b).
- Is Maryland a no-fault state?
- Maryland operates at-fault (tort).
- Where can I see what drivers in Maryland actually pay?
- Maryland Insurance Administration publishes filed sample rates for the driver profiles it defines. We compute the distribution of those filed rates and publish it, with the count behind every figure.
Statutory records for Maryland last verified against primary sources on 10 August 2026. Price level for the real-terms restatement: June 2026, all-items index 333.952. Every figure on this page is recomputed from committed data at build time.