Maryland Car Insurance (MD)

If Maryland is your current launching pad, you might want to take a fresh look at the cost of your car insurance.  If you are young and living in a large urban area (like Washington D.C.) some insurance companies are going to treat you like a target. Regardless, you are still required to carry car insurance.

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Maryland Car Insurance Requirements

Maryland’s basic required car insurance has several elements.  A minimum of $20,000 in bodily injury coverage is required for an individual; a minimum of $40,000 in bodily injury for the entire accident.  The policy must provide a minimum of $15,000 in coverage for property damage.  In addition, the same $20,000/$40,000 coverage formula for bodily injury must be carried for uninsured or underinsured motorists.  Personal Injury Protection is required at a minimum of $2,500.

You may want to consider collision coverage – insurance that pays for damage to your car as well, if you are at fault.  That will depend on the value of your car.  There are other options regarding medical payments and comprehensive coverage for non-accident damage to your car, including theft.

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Additional Car Insurance Coverage in Maryland

Another widely used type of insurance coverage is for uninsured or underinsured motorists. This coverage pays for your losses should you be involved with an uninsured or underinsured driver, or engaged in a hit-and-run accident. The state of Maryland does not require motorists to purchase this type of coverage, but it is a sensible alternative to trying to personally collect on damages over and above the other party’s coverage.

Medical payments insurance is another form of optional car insurance that provides an additional layer of protection against injury related costs. This policy component will pay for medical costs for you and your passengers regardless of who is at fault. Medical payments insurance may overlap with the other driver’s liability coverage, or may be a necessity if you have no underinsured motorist coverage and the other driver has insufficient coverage.

Minor insurance options include towing coverage, which pays for the cost of removing your car from an accident scene, as well as insurance to pay for a rental car while yours is in the shop for repairs.

Car Insurance in Maryland Cities

Learn more about car insurance specifically in Baltimore.

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