Maryland's Minimum Auto Insurance Limits: What You Need to Know

What Are Maryland's Minimum Auto Insurance Limits?

Maryland requires every licensed driver to carry a minimum amount of auto insurance. These limits are designed to cover damages and injuries you may cause in a collision. If you're unsure whether your current policy meets the state's requirements, read on for a clear, fact‑first breakdown.

The Three Core Coverage Types

Maryland's minimum limits apply to three key types of liability coverage:

• Personal Injury Protection (PIP)
• Property Damage Liability (PD)
• Medical Payments (MedPay)

Personal Injury Protection (PIP)

PIP covers medical expenses, lost wages, and other injury-related costs for you and your passengers, regardless of who was at fault. In Maryland, the minimum is:

• $30,000 per person
• $50,000 per accident

Property Damage Liability (PD)

PD protects against damages you cause to another driver's vehicle or property. The required limits are:

• $25,000 per accident

Medical Payments (MedPay)

MedPay covers medical costs for you and your passengers, regardless of fault, up to:

• $10,000 per accident

Why These Limits Matter

These figures are the statutory minimums; they are not necessarily sufficient for every situation. If you're involved in a serious accident, the costs can far exceed these amounts, leaving you exposed to personal liability.

Choosing Coverage Above the Minimum

Many drivers opt for higher limits to protect their assets:

• PIP: $50k per person / $100k per accident
• PD: $100k per accident
• MedPay: $25k per accident

Higher limits reduce the risk of having to pay out‑of‑pocket if the damages exceed the minimum.

How to Verify Your Policy Is Compliant

Check your insurance card or policy documents for the following:

• PIP coverage of at least $30k/$50k
• PD coverage of at least $25k
• MedPay coverage of at least $10k

Most insurers list these amounts in the "coverage limits" section. If you're unsure, call your agent or log into your online account.

Common Misconceptions

• "Minimum limits are enough for all situations." – Not true for large claims.
• "MedPay and PIP are the same." – MedPay covers only you and passengers; PIP covers additional costs like lost wages.

What Happens If You're Underserved?

Driving without the required coverage can result in license suspension, fines, and civil liability. Maryland enforces the limits through its Department of Motor Vehicles and insurance regulators.

Additional Resources

For more detailed information, visit the Maryland Department of Transportation's insurance website or consult a licensed agent.

Key Takeaways

• Minimum PIP: $30k per person / $50k per accident
• Minimum PD: $25k per accident
• Minimum MedPay: $10k per accident
• Higher limits are recommended for peace of mind