Maryland Car Insurance Car Insurance Quote in MD
The average auto insurance premium for residents in Maryland is $2,228 in 2009; the national average is $1,790.
Maryland Car Insurance
Maryland state law requires minimum Bodily Injury Liability limits of $20,000 per injured person up to a total of $40,000 per accident, and Property Damage Liability coverage with a minimum limit of $15,000. This basic coverage is often referred to as 20/40/15 coverage with 20/40 UM limits.
Maryland Insurance Coverage:
- Bodily Injury Liability: $20,000/$40,000 Limit
- Property Damage Liability: $15,000 Limit
- Uninsured/Underinsured Motorist Bodily Injury: $20,000/$40,000
- Uninsured Motorist Property Damage: $15,000 Limit
- Personal Injury Protection: $2,500 Limit
The state of Maryland follows a Tort system meaning someone must be found to be at fault for causing the accident, and that person and their insurance company is responsible for all the damages. You should be aware that the details of a tort system vary from state to state.
Personal Injury Protection (PIP) helps pay for "reasonable and necessary" medical expenses for you and your passengers. Maryland state law requires a minimum Personal Injury Protection coverage of $2,500.
To help protect against damages caused to you and your passengers by an uninsured driver, Maryland state law requires a minimum Uninsured/Underinsured Motorist coverage of $20,000 per person up to a total of $40,000 per accident for any bodily injury caused by the uninsured and/or underinsured driver.
