Maryland car insurance

Baltimore skyline overlooking the Patapsco River

Common questions about Maryland
auto insurance

Need car insurance in Maryland? Whether you live in the Eastern Shore or Baltimore, Liberty Mutual Insurance can help you save on car insurance! From Liability Protection to Comprehensive Coverage, we've got you covered. We'll help you customize your Maryland auto insurance, so you only pay for what you need.

What car insurance is required in Maryland?

In Maryland, it's illegal to drive without insurance. Drivers in Maryland are required to have car insurance coverage for

Bodily Injury to others
Property Damage Liability

Here are the minimum auto insurance limits drivers must have in Maryland.²

Coverage	Amount
Bodily Injury to Others	$30,000 per person and $60,000 per accident
Property Damage Liability	$15,000 per accident

For more information, check out the Maryland Department of Transportation.

What's the average cost of car insurance in Maryland?

The average cost of car insurance in Maryland was $2,426³ in 2024 according to thezebra.com. That's 11% higher than the national average. Of course, your auto insurance cost will depend on many different factors including your age, where you live, and your driving history.

Some people get the minimum coverage, while others prefer more protection. Liberty Mutual can save you money on Maryland auto insurance with a customized policy, so you only pay for what you need.

See how much you could save on car insurance

U.S. Map with Maryland state highlighted

Who has the cheapest car insurance in Maryland?

Getting the cheapest car insurance in Maryland may sound great, but that cheap rate can come at a cost when you need it most. You want auto insurance that's affordable, but even more importantly — reliable, in case you have an accident.

A Liberty Mutual auto insurance policy can cost less than you think.⁴