Auto Insurance in Maryland
From the bustling streets of Baltimore to the scenic routes along the Chesapeake Bay, Maryland drivers need to carry the right insurance to stay legal and protected on the road. Here’s a breakdown of what’s required, where rates are highest and lowest, and how to save on coverage in the Old Line State.
Minimum Auto Insurance Requirements in Maryland
Maryland requires drivers to carry both liability insurance and uninsured motorist coverage, along with personal injury protection (PIP). As of April 2025, the state’s minimum auto insurance requirements are:
- $30,000 bodily injury liability per person
- $60,000 bodily injury liability per accident
- $15,000 property damage liability
- $2,500 personal injury protection (PIP), unless waived
- $30,000 uninsured motorist bodily injury per person
- $60,000 uninsured motorist bodily injury per accident
- $15,000 uninsured motorist property damage
Minimum coverage amounts for Maryland auto insurance were sourced from the Maryland Insurance Administration and are accurate as of 2025. City-specific insurance cost comparisons are based on publicly available data, industry reports, and major insurance quote platforms.
Maryland has strict penalties for driving uninsured, including fines and possible license suspension. So maintaining active coverage is not to be taken lightly.
4 Ways to Save on Auto Insurance in Maryland:
- Raise Your Deductible: Choosing a higher deductible for collision or comprehensive coverage can lower your premium. But tread lightly! If you truly can’t afford to raise your deductible, it’s not worth it. Talk to an insurance expert to determine a healthy deductible for your budget.
- Maintain a Good Driving Record: Maryland insurers offer significant discounts for clean records. This is the easiest and most effective way to save on car insurance, no matter what state you live in.
- Take Advantage of Discounts: Ask about savings for bundling, good students, safe driving apps, or completing defensive driving courses.
- Pay Your Premium Upfront: Many insurers offer discounts if you pay in full rather than monthly.
Cities in MD with the Most Expensive Auto Insurance
Rates vary significantly across the state depending on traffic volume, theft rates, and claim histories. The most expensive areas for car insurance in Maryland tend to be:
- Baltimore City: Dense traffic, a higher rate of theft and accidents, and more frequent claims make premiums here among the highest in the state.
- Capitol Heights: Located in Prince George’s County, this suburb of D.C. tends to see higher rates due to congestion and frequent accidents.
- Oxon Hill & Temple Hills: Also in Prince George’s County, these communities typically pay above-average premiums.
Cities in MD with the Most Affordable Auto Insurance
Maryland drivers in less urbanized or lower-risk areas typically see more affordable coverage. Some of the cheapest places for auto insurance include:
- Frederick: With its rural characteristics, Frederick tends to have lower claim rates and more competitive pricing.
- Hagerstown: This western Maryland city benefits from lower population density and fewer accidents.
- Cumberland: Located in Allegany County, this area sees lower premiums thanks to reduced traffic and crime rates.
Optional Coverage
While not required, these add-ons can provide extra protection:
Collision & Comprehensive
Especially valuable if you drive a newer vehicle or live in an area prone to theft or weather damage.
Gap Insurance
Covers the difference between your car’s value and what you owe on a loan or lease if it’s totaled.
Roadside Assistance
Helps with tows, lockouts, and flat tires—particularly useful in more rural areas.
Rental Reimbursement
Useful if you rely on your car daily and need a backup during repairs.
Find Affordable Auto Insurance in Maryland
Auto insurance is never one-size-fits-all. Talk to an expert insurance agent to see what policy makes sense for your driving habits, vehicle type, and budget. We pride ourselves on leading with kindness. That means educating our clients and never suggesting more coverage than they actually need.
Reach out to The Kind Insurance to discuss your current coverage & how you might be able to save money. We are an independent insurance agency. That means we are not tied down to any specific selection of insurers. Our agents work with you to understand your needs and budget and then find a plan that suits you the best.
Get in touch today for more expert insurance advice.
The Advantage of an Independent Insurance Agency Working for You
- Personalized insurance solutions.
- Friendly, knowledgeable service.
- Building trusted relationships.
Find Our Office in Lemoyne, PA
Lemoyne, PA 17043