Full-coverage average sourced from
Insurify (2026-06). Minimum-coverage figure and the estimator adjustments are estimates — see
methodology.
The one thing that sets Maryland apart
Must carry uninsured-motorist matching your liability limits.
Minimum vs. full coverage in Maryland
What each coverage level costs on the Maryland average — so you can see what "going minimum" really saves, and risks.
| Coverage level | Est. / year | Est. / month |
|---|
| Minimum | $1,240 | $103 |
| Liability Only | $2,010 | $168 |
| Full | $3,650 | $304 |
| Full Low Deductible | $4,450 | $371 |
Minimum coverage saves about $2,406/yr vs full — but caps protection at 30/60/15. One at-fault crash above those limits and the gap is yours.
Maryland car insurance FAQ
- What's the minimum car insurance required in Maryland?
- Maryland's state minimum is 30/60/15 — $30k bodily injury per person, $60k per accident, $15k property damage. Minimum-only runs about $1,240/yr but leaves you exposed above those caps.
- How much is full coverage in Maryland?
- Representative full coverage averages $3,646/yr (about $304/mo), ranking Maryland #51 of 51 states for cost.
- Why is Maryland car insurance priced the way it is?
- Must carry uninsured-motorist matching your liability limits.