Maryland
- ~$60–$75
- ~$160–$190
- $30K/$60K/$15K
Maryland features moderately high insurance costs driven by dense urban areas like Baltimore and proximity to Washington, D.C. The state has a fault-based system with mandatory liability coverage, and a relatively high rate of uninsured drivers increases risk for insured motorists.
Find a local Auto Insurance agents in your town:
Maryland Auto Insurance Facts *
Drivers
- ~4.1–4.3 million licensed drivers as of 2023.
- High vehicle ownership with ~90% of households owning at least one vehicle.
- Wide variety of vehicle types with urban use predominating.
- Uninsured motorist rate around 12%.
- Extensive public transportation networks in urban centers.
Accidents
| Year | Reported Crashes | Injury Crashes | Fatal Crashes |
|---|---|---|---|
| 2018 | ~95,600 | ~26,400 | 785 |
| 2019 | ~97,300 | ~27,000 | 800 |
| 2020 | ~88,900 | ~24,500 | 810 |
| 2021 | ~93,700 | ~25,700 | 825 |
| 2022 | ~95,200 | ~26,000 | 830 |
Laws & Regulations
- Fault liability system with mandatory minimum coverage.
- Uninsured motorist coverage required.
- Electronic proof of insurance mandatory.
