Published by Prominent Insurance Services on August 6, 2026 in Auto Insurance.
Maryland requires 30/60/15 liability limits plus uninsured motorist coverage on every policy. Learn what the law requires, what PIP covers, and whether minimum coverage is enough for Maryland drivers.
Quick answer: Every registered vehicle in Maryland must carry liability limits of at least 30/60/15 — $30,000 bodily injury per person, $60,000 per accident, and $15,000 property damage — plus uninsured/underinsured motorist coverage at matching limits. Maryland's minimums are higher than most neighboring states, but they can still fall short after a serious accident.
Maryland requires continuous insurance on every registered vehicle. A compliant policy includes:
Maryland enforces these requirements strictly. Driving an uninsured registered vehicle can lead to fines that accrue for each day without coverage, registration suspension, and other penalties — Maryland does not allow a registered vehicle to sit uninsured, even if it is parked.
Maryland policies include Personal Injury Protection of at least $2,500, which pays your own medical expenses and a portion of lost wages after an accident regardless of who was at fault. You may waive PIP in writing for yourself and household members age 16 and older to reduce premium — but the savings is usually small relative to the benefit, and the waiver also affects family members on your policy. Review a PIP waiver carefully before signing it.
Since 2018, Maryland drivers can choose Enhanced UIM (EUIM) instead of standard UIM. The difference matters after a serious accident: with standard UIM, the at-fault driver's liability payment is subtracted from your UIM limit; with EUIM, your coverage stacks on top of what the at-fault driver's policy pays. EUIM can meaningfully increase your total recovery for a modest premium difference, and it is one of the most overlooked options on Maryland policies.
Maryland's 30/60/15 minimums are higher than Pennsylvania's or Virginia's, but they were not designed to match today's costs:
For most Maryland households, limits of 100/300/100 with matching UM/UIM (or EUIM) provide a far stronger foundation, and a [personal umbrella policy](/umbrella-insurance) extends protection further for those with assets to protect.
Rates vary widely by carrier, and the Baltimore metro area generally sees higher premiums than rural Maryland. Driving record, credit-based insurance score, vehicle type, annual mileage, and coverage selections all factor in. Because each carrier weighs these differently, comparing quotes from multiple carriers is the most reliable way to find your best rate — which is exactly what an [independent agency](/independent-vs-captive-agents) does.
This guide is educational and is not a coverage recommendation; requirements are set by Maryland law and policy terms vary by insurer. For a personalized review of your Maryland auto coverage, [schedule a free strategy session](/strategy-session) or call 302-351-3368. See also our [Maryland insurance overview](/insurance-maryland) and, if you employ workers, our guide to [Maryland workers' compensation requirements](/blog/workers-comp-requirements-maryland).