State‑Specific Minimums
Maryland law requires drivers to carry liability insurance with at least $30,000 per person for bodily injury, $60,000 per accident for bodily injury, and $15,000 for property damage (30/60/15). These figures are higher than many neighboring states and form the baseline for legal compliance.
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Required Coverage Types
Only three coverage categories are mandatory: bodily injury liability, property damage liability, and uninsured/underinsured motorist coverage that meets the same 30/60/15 limits. No personal injury protection (PIP) or collision coverage is required, though optional policies can fill those gaps.
How Limits Work
The per‑person limit ($30,000) applies to each injured individual, while the per‑accident limit ($60,000) caps total payouts for all injured parties in a single crash. Property damage is capped at $15,000 for damage to another's vehicle or structure.
Comparative Snapshot
| State | Bodily Injury (per person) | Bodily Injury (per accident) | Property Damage |
|---|---|---|---|
| Maryland | $30,000 | $60,000 | $15,000 |
| Virginia | $25,000 | $50,000 | $20,000 |
| Delaware | $25,000 | $50,000 | $10,000 |
Enforcement and Penalties
Driving without the minimum coverage can result in license suspension, fines, and a possible vehicle impound. Insurers must provide a proof‑of‑insurance card; failure to present it during a traffic stop triggers a citation.
Choosing Adequate Coverage
While the 30/60/15 limits satisfy legal requirements, many drivers opt for higher limits—such as 50/100/50—to protect assets against lawsuits. Adding uninsured motorist bodily injury and property damage coverage at equal or higher limits can further safeguard against drivers who lack insurance.