All motorists in Maryland and the rest of Baltimore are required to carry at least the following liability insurance limits:
- $30,000 of bodily injury liability per person
- $60,000 of bodily injury liability per incident
- $15,000 of property damage liability per incident
Liability coverage helps financially protect you if you're found at fault in an accident that results in injury or property damage to another driver.
Personal injury protection (PIP)
Drivers in Maryland are also required to carry $2,500 of PIP coverage, which helps financially protect you regardless of fault in an accident. It can help pay for things like funeral expenses, medical fees, substitute services (a housecleaner, for example), and lost wages if you can't work due to a covered incident.
For more details on your state's unique PIP coverage, visit our Maryland page.
Uninsured motorist coverage
If you or your passengers are involved in an accident with an uninsured driver that results in injury or property damage, uninsured motorist coverage helps financially safeguard you from medical and repair bills coming out of your pocket.
The Old Line State requires all residents carry uninsured motorist coverage at the same minimum limits as your liability coverage:
- $30,000 of uninsured motorist bodily injury per person
- $60,000 of uninsured motorist bodily injury per incident
- $15,000 of uninsured motorist property damage per incident
This coverage also protects you in hit-and-run situations.