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.
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.
