Car Insurance in Maryland
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Car Insurance Liability Requirements in Maryland
- Minimum Liability Limits in MD: 30/60/15 [4]
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- 30 Required coverage up to $30,000 for one individual injured in an accident
- 60 Required coverage up to $60,000 for all persons injured in an accident
- 15 Required coverage up to $15,000 for property damage in an accident
- Note: These amounts are the minimum required by the law. Drivers may opt to purchase auto insurance above the mandatory minimums.
Required Car Insurance Coverage in Maryland
- Auto Insurance Coverage Requirements in MD [4]
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- Bodily injury liability coverage
- Property damage liability coverage
- Uninsured motorist coverage
- Underinsured motorist coverage
- Personal injury protection coverage
- Note: Personal Injury Protection (PIP) may be waived for the policyholder but is compulsory for passengers.
Car Insurance Verification Laws in Maryland
- Insurer Verification of Auto Insurance in MD [4]
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- Insurer must notify Department of Motor Vehicles or other state agency of cancellation or nonrenewal.
Maryland Car Insurance Facts, Estimates & Related Laws
Maryland Car Insurance Facts
- Average Car Insurance Rates in MD
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- Maryland had the 9th highest auto insurance rates in the nation in 2010. [2]
- Rates in MD ranked 10th in the nation in 2009. [2]
- In 2008, MD had the 10th highest rates in the country. [2]
- Number of Auto Insurance Policies in MD
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- Maryland ranked 20th in the nation in auto insurance policies in 2011 with a total of 3,920,707. [1]
- Uninsured Motorist Rate in MD
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- The uninsured motorist rate in MD ranked 18th in the nation in 2009. [3]
Maryland Distracted Driving Laws
- Hand-held phone ban? Yes
- hand-held phone ban in place for all drivers. [7]
- Texting-while-driving ban? Yes
- Texting-while-driving ban in place for all drivers. [7]
- Young drivers cell phone ban? Yes
- Ban applies to drivers younger than 18. [7]
- Bus driver cell phone ban? Yes
- Ban applies to school bus drivers (hand-held ban). [7]
- Enforcement of laws:
- Primary enforcement in effect. [7]
- With primary enforcement, a police officer can pull over a driver for that specific offense.
- Under a primary law, a police officer can stop a driver for that specific offense. Under a secondary law, an officer must stop a driver for a primary offense before ticketing for the secondary offense.
Maryland Automotive Laws
- Safety Belt Laws in MD
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- Safety belt laws have been in place since 1986 and apply to drivers/passengers 16+ years in all seats (effective 10/01/13). [7]
- Child restraint law in place for 7 years and younger and less than 57 inches. [7]
- Motorcycle Helmet Laws in MD
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- Motorcycle helmets required for all riders. [7]
- Driver's License Renewal Cycle in MD
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- Renewal cycle: 8 years [7]
Maryland Auto & Driver Facts
Maryland Automotive Facts
- Speed Limits in MD
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- Rural interstates: 65 mph [7]
- Urban interstates: 65 mph [7]
- Other roads: 55 mph [7]
- Motor Fuel Consumption in MD
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- Maryland cities collectively ranked 22nd in the nation in total motor fuel consumption in 2011. [9]
Maryland Licensed Drivers
- Licensed Drivers in MD [10]
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- Total Drivers: 3,856,604
- Female: 1,981,313
- Male: 1,875,291
- MD has the 20th most drivers in the U.S.
- Minimum Driving Age in MD [5]
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- Maryland has a minimum driving age of 15 years, 9 months.
Maryland Auto Registrations
- Auto Registrations in MD [8]
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- Registered Cars: 2,088,130
- Registered Trucks: 1,682,819
- Registered Motorcycles: 120,122
- Total Registrations: 3,905,629
- Rank: Maryland ranked 24th in the United States in total auto registrations in 2011.
Additional information about Maryland
About Maryland
Maryland has a population of approximately 5,773,552, which ranks 19th in the U.S. among all states. [6]
More about Maryland auto insurance
For more information about auto insurance in MD, or for additional resources regarding Maryland car insurance, visit the Maryland Department of Insurance.
1. ^ Automobile Insurance Plans Service Office (AIPSO)
2. ^ National Association of Insurance Commissioners (NAIC)
3. ^ Insurance Research Council (IRC)
4. ^ Insurance Information Institute (III)
5. ^ Insurance Institute for Highway Safety (IIHS)
6. ^ United States Census Bureau
7. ^ IIHS & Highway Loss Data Institute
8. ^ Office of Highway Policy Information
9. ^ U.S. Department of Transportation
10. ^ Federal Highway Administration
