Pennsylvania vs. Maryland Auto Insurance Minimums: Key Differences Explained

State Minimum Liability Requirements

Pennsylvania mandates a minimum of $15,000 per person for bodily injury, $30,000 per accident, and $5,000 for property damage (15/30/5). Maryland requires higher limits: $30,000 per person, $60,000 per accident, and $15,000 for property damage (30/60/15). These figures represent the smallest legally required liability coverage you can carry in each state.

What Each Limit Covers

The "per person" limit applies to injuries to any single individual in an accident, while the "per accident" limit caps total bodily‑injury payouts for all victims combined. Property damage limits address repair or replacement costs for other vehicles and structures.

Impact on Premiums

Higher statutory limits generally increase premiums because insurers face greater potential payouts. Maryland's 30/60/15 minimum typically results in rates 10‑20% higher than Pennsylvania's 15/30/5, though exact differences depend on driver history, vehicle type, and discounts.

Optional Add‑Ons and State Requirements

Both states allow additional coverages such as uninsured/underinsured motorist protection, medical payments, and collision. Maryland requires drivers to carry personal injury protection (PIP) with a $2,500 limit, whereas Pennsylvania does not have a PIP mandate.

Choosing Between the Two Minimums

If you drive primarily in one state, you must meet that state's minimum. For occasional cross‑state travel, maintain coverage that satisfies the stricter state—typically Maryland's limits—to avoid gaps. Consider your risk tolerance; the higher Maryland minimums provide broader protection against lawsuits and out‑of‑pocket expenses.

Comparison Table