- Car Insurance
- Auto Insurance by State
- Maryland Car Insurance
Get a Maryland car insurance quote
You could save over $700 on auto insurance when you switch to Liberty Mutual1
Buying auto insurance in Maryland
Need car insurance in Maryland? Whether you live in the Eastern Shore or Baltimore, Liberty Mutual Insurance can help you save on car insurance! From Liability Protection to Comprehensive Coverage, we've got you covered. We'll help you customize your Maryland auto insurance, so you only pay for what you need.
Maryland auto insurance discounts
Buy your policy online and save. It's that simple.2
Learn more about SavingsConvenience and savings — need we say more? Combine your policies and get a discount.2
Learn about Bundle and Save Discounts and moreGet rewarded for your good driving behavior by saving up to 30% on your policy.3
Save with our safe driver programMaryland minimum car insurance requirements (30/60/15)
It's illegal to drive without car insurance in Maryland. To drive legally, you need to have at least the following coverage amounts and minimums in Maryland.4
Coverage type | State requirements |
|---|---|
| Bodily Injury to Others Coverage | $30,000 per person and $60,000 per accident |
| Property Damage Liability Coverage | $15,000 per accident |
See the Maryland Insurance Administration for official coverage requirements and details.
Average car insurance in Maryland, 2026
According to 2026 data, the average cost of “full” coverage car insurance in Maryland is about $3,120 per year.
Maryland drivers often pay more, or less, depending on their coverages, car, age, driving record, and where they live.
Who offers cheap car insurance in Maryland?
Finding the cheapest car insurance in Maryland may sound great, but a low-cost policy may not pay out when you need it.
You want car insurance that's affordable, and dependable if you have an accident. Trusted for over 100 years, we have the experience and stability to back you up.
A Liberty Mutual auto insurance policy can cost less than you think.5
- $817 lower than GEICO
- $731 lower than Progressive
- $839 lower than State Farm
- $758 lower than Allstate
Is Maryland a no-fault state?
No, Maryland is not a no-fault state. Maryland uses an at-fault (or "tort") system, meaning the driver who causes an accident is financially responsible for the resulting injuries and property damage. Injured parties can file a claim against the at-fault driver's liability insurance to recover their losses.
Maryland is also one of the few states that follows a strict contributory negligence rule. If a driver is found even partially at fault for an accident, they may be unable to recover damages from the other driver.
Maryland car insurance FAQs
- Getting car insurance in Maryland typically starts with gathering a few basic detailsa bout yourself and your behicle, including your driver's license number, behicle identifaction number (VIN), current mileage, and ZIP code. These details help determine your coverage optins and insurance rate.
You can get a Liberty Mutual car insurance quote online in just a few steps and explore coverage options, discounts, and policy features that fit your needs and budget.
- Yes. Maryland requires minimum liability coverage of $30,000 per person and $60,000 per accident for bodily injury, along with $15,000 in Property Damage Liability coverage. Drivers mustr also carry Uninsured Motorist coverage at the same bodily injury limits, plus $15,000 in uninsured motorist property damage coverage. Insurers are also required to offer Personal Injury Protection (PIP) coverage.
- Liberty Mutual offers a range of coverage options and policy features to support different driver requirements and situations. Maryland motorists are encouraged to focus on coverage, pricing, customer service, and claims handling when shopping for the "best" car insurance.
- There are several ways to lower your car insurance in Maryland. Liberty Mutual offers discounts if you bundle home and auto insurance, get good grades, or are an active member of the military. Consistently driving safely and avoiding accidents can also lower your rates over time.