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Auto Insurance in Maryland

Maryland auto insurance has a lot of requirements for drivers. In addition to basic liability coverage, motorists are required to purchase uninsured motorist coverage and personal injury coverage. The amounts required by Maryland law include:

•     $20,000 per person and $40,000 per accident for injury coverage liability
•     $15,000 per accident for property damage coverage
•     Uninsured Motorist Coverage with the same limits as liability
•     $2,500 in personal injury protection, which can be waived by a signature form

The liability insurance will cover injuries and damages that result from an accident where you are at fault, while uninsured motorist coverage provides protection in the event you are hit by an uninsured driver. Personal injury protection is an extra endorsement that covers medical expenses that are accident related, regardless of who is at fault.

Auto insurance in Maryland is determined based on many different factors, including your driving record, the type of car you're insuring, as well as how much coverage you want. If your driving record is good, you will get lower rates on insurance, and vice versa. No matter what your record looks like, you need to shop around and compare rates to ensure you're getting the right policy for your needs. And who knows, you might wind up with more coverage than you thought you could afford.