Maryland Auto Insurance for First-Time Drivers
Maryland requires 30/60/15 liability coverage and is an at-fault state.
Free to compare
Maryland at a Glance
30/60/15
Minimum liability limits, in thousands of dollars (per person / per accident / property)
At-fault
The at-fault driver's insurance pays for the damage they cause
Required
PIP and Uninsured motorist coverage must be on every policy
15½
Minimum learner's permit age, 60 supervised driving hours
Source: state DMV, insurance department and statute records, verified July 2026
Minimum Coverage Requirements in Maryland
Maryland operates under a tort-based liability system, meaning the at-fault driver is financially responsible for injuries and damage they cause. The state requires all drivers to carry proof of insurance and enforces compliance through the Maryland Vehicle Administration's Electronic Insurance Compliance system, which monitors every registered vehicle in real time. Maryland is one of few states that mandates uninsured motorist coverage at the same limits as your liability policy, providing automatic protection against uninsured drivers.
Bodily Injury Liability
Property Damage Liability
Uninsured/Underinsured Motorist Bodily Injury
Uninsured/Underinsured Motorist Property Damage
Personal Injury Protection (PIP)
What Drivers Pay in Maryland
$458/mo
Typical monthly rate in Maryland, new drivers
Rate data: Insurify, 2026
Bring Your Under 25 Rate Back to Earth
Compare Rates for Drivers Under 25Rules for new drivers
Night driving
midnight-5am
Passengers
no passengers younger than 18 for first 151 days (age 18+ exempt)
Source: IIHS and state DMV records, verified July 2026
Coverage Types
Liability Insurance
Pays for injuries and property damage you cause to others in an at-fault accident. Your premium (the amount you pay each month) covers legal defense costs and settlements up to your policy limit, which is the maximum your insurer will pay per accident.
Full Coverage
Combines liability, collision (pays for damage to your car in an accident regardless of fault), and comprehensive (covers theft, vandalism, weather, and animal strikes). This package protects both your legal obligation to others and your financial investment in your vehicle.
Comprehensive Coverage
Covers damage to your vehicle from non-collision events like theft, hail, flooding, fire, and vandalism. You pay a deductible (your out-of-pocket amount before insurance pays), typically $250–$1,000, and insurance covers the rest up to your vehicle's actual cash value.
Uninsured Motorist Coverage
Pays for your medical bills and vehicle damage when you're hit by a driver with no insurance or a hit-and-run driver who cannot be identified. This is your own policy stepping in to cover what the at-fault driver should have paid.
Collision Coverage
Pays to repair or replace your vehicle after a collision with another car or object, regardless of who was at fault. You choose a deductible amount — the lower your deductible, the higher your monthly premium.
Personal Injury Protection
Covers your medical expenses, lost wages, and essential services like childcare after an accident, regardless of fault. PIP pays immediately without waiting for liability determination, which can take weeks or months.