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Maryland Minimum Car Insurance (30/60/15)

Use the calculator to see how Maryland's minimum limits would apply to a hypothetical injury bill and property-damage bill.

This tool is an estimate for education only. It is not legal advice, not an insurance quote, and not a prediction of what a court, insurer, or claims adjuster would pay. Coverage rules, statutes, and case law change. Read the official source linked on this page. Nothing you type into the calculator is collected or sent anywhere; the math runs in your browser.

Short answer: Maryland requires $30,000 bodily injury per person / $60,000 bodily injury per accident / $15,000 property damage. This page prefills the calculator for Maryland and cites the official source.

Reviewed November 7, 2026

What Maryland requires

Maryland's required-security statute, Transportation Article § 17-103, requires payment of claims up to $30,000 for one person and $60,000 for two or more people for bodily injury or death, and $15,000 for other people's property, plus personal injury protection unless it is waived or rejected under the Insurance Article and required uninsured-motorist benefits. Maryland is also one of the few remaining contributory-negligence jurisdictions for most auto tort claims.

Required PIP / no-fault benefits (Maryland requires the personal-injury-protection benefits described in Insurance Article § 19-505 unless waived under § 19-506 or rejected under § 19-506.1. This review did not independently extract the current PIP dollar figure from § 19-505, so no Maryland PIP amount is displayed.) Uninsured-motorist benefits required under Insurance Article § 19-509 or § 19-509.1.

A common way to write split limits is 30/60/15. The first number is bodily injury per person, the second is bodily injury for everyone hurt in one crash, and the third is property damage. This calculator's injury example uses only the per-person number because it assumes one injured person.

Official source

Maryland Transportation Code § 17-103 (2025). Md. Code, Transp. § 17-103 (2025): security of $30,000/$60,000 for bodily injury or death and $15,000 for property damage, plus PIP (unless waived or rejected) and required UM benefits

Reviewed November 7, 2026. Compare other states on the sources table or the machine-readable data file.

For the recovery rule that would apply if you were partly at fault in Maryland, use the fault / comparative negligence calculator.

FAQ

What is the minimum car insurance in Maryland?

The primary source cited on this page states that Maryland requires $30,000 bodily injury per person / $60,000 bodily injury per accident / $15,000 property damage. In addition, required PIP / no-fault benefits (Maryland requires the personal-injury-protection benefits described in Insurance Article § 19-505 unless waived under § 19-506 or rejected under § 19-506.1. This review did not independently extract the current PIP dollar figure from § 19-505, so no Maryland PIP amount is displayed.); Uninsured-motorist benefits required under Insurance Article § 19-509 or § 19-509.1.. Always read the official source because statutes and department guidance can change.

Does Maryland's minimum cover my own injuries or my own car?

Liability coverage pays people you injure or whose property you damage. It does not pay your own medical bills or repair your own car. This state does require first-party PIP or no-fault benefits for your own injuries. Collision and comprehensive are separate optional coverages.

What if medical or repair bills are higher than the minimum?

The calculator subtracts Maryland's per-person bodily-injury minimum from a one-person injury bill and subtracts the property-damage minimum from a property bill. Anything above those two limits is the simple gap shown.

Is uninsured or underinsured motorist coverage required in Maryland?

Uninsured-motorist benefits required under Insurance Article § 19-509 or § 19-509.1.

How does this calculator work?

You enter a hypothetical injury bill for one other person and a hypothetical property-damage bill. The script, running only in your browser, compares those bills with the verified per-person BI limit and PD limit and shows the covered amount and the leftover gap. It does not send your numbers to our servers.

Is this legal advice or an insurance quote?

No. This Maryland page and calculator are general information based on the official source cited below, reviewed November 7, 2026. They are not a quote and not advice about your claim or what limits you should buy.