Car insurance in Maryland (30/60/15)
- Minimum car insuranceMaryland requires at least $30,000 bodily injury per person, $60,000 per accident and $15,000 property damage. It also requires $2,500 of PIP, which the first named insured can waive in writing. Uninsured motorist coverage is mandatory at least at the minimum limits, and insurers must offer enhanced underinsured motorist coverage. Source
- Fault systemMaryland is an at-fault (tort) state with required PIP added on: PIP pays your own initial medical and wage losses, but you keep the full right to sue the at-fault driver. Source
Business insurance rules in Maryland
- Workers’ compensationEach employer must secure workers' compensation for all covered employees through an authorized insurer, an approved self-insurance group or self-insurance, generally starting with the first employee. Maryland is not monopolistic and does not allow opting out. Source
- Contractor licensingThe Maryland Home Improvement Commission licenses home improvement contractors and salespersons. Since June 1, 2024, contractors must carry at least $500,000 of general liability insurance and pay into the Home Improvement Guaranty Fund, which can repay homeowners up to $30,000 for losses from poor or unfinished work. Source
Home insurance in Maryland
- Home insurer of last resortThe Joint Insurance Association, which every insurer writing essential property insurance in Maryland must join, provides property coverage to owners who cannot get it elsewhere. Hurricanes and coastal storms are the main catastrophe exposure. Insurers may use percentage hurricane deductibles, but these apply only while a National Hurricane Center hurricane warning is in effect for Maryland and are capped at 5% of the dwelling limit unless the insurer files a higher standard. Source
Disasters, floods, hail, tornadoes and earthquakes in Maryland
| Measure | Maryland | Rank among the states | Detail |
|---|---|---|---|
| Federal major disaster declarations since 2000 | 16 | #42 of 51 | Most often for severe storm (5), hurricane (4), flood (3). Howard County has been in 10 of them. |
| National Flood Insurance Program claims, 2005–2025 | 7,479 | #29 of 51 | $114.0 million paid; 41% of claims with a known flood zone were outside FEMA’s high-risk zones. |
| Hail reports, 2016–2025 | 388 | #33 of 51 | 20 of them 2 inches or larger. Largest stone 4 inches, Washington County, August 2023. |
| Tornadoes, 2016–2025 | 69 | #31 of 51 | 7 rated EF2 or stronger; 425 recorded since 1950. |
| Earthquakes of magnitude 4.0+, 2000–2025 | 1 | #28 of 51 | Largest: magnitude 4.6, 220 km SE of Ocean City, Maryland, January 15, 2019. |
From the public FEMA, NOAA, Storm Prediction Center, USGS and FMCSA records behind each linked report; ranks count all 50 states and Washington, DC unless noted.
Look up the storm history of any county in Maryland.
Worth knowing in Maryland
Maryland runs its own state auto insurer, the Maryland Automobile Insurance Fund (MAIF), which provides the required coverage to eligible drivers who cannot get it from a private insurer.
Maryland’s insurance regulator
Insurance in Maryland is regulated by the Maryland Insurance Administration, which handles consumer complaints and licenses insurers and agents.
Sam Alishahi holds a nonresident insurance producer license in Maryland (NPN 21022298), so requests from Maryland are handled by him directly.
Common questions
What is the minimum car insurance in Maryland?
Maryland requires at least $30,000 bodily injury per person, $60,000 per accident and $15,000 property damage. It also requires $2,500 of PIP, which the first named insured can waive in writing. Uninsured motorist coverage is mandatory at least at the minimum limits, and insurers must offer enhanced underinsured motorist coverage.
Is Maryland a no-fault state?
Maryland is an at-fault (tort) state with required PIP added on: PIP pays your own initial medical and wage losses, but you keep the full right to sue the at-fault driver.
Do employers in Maryland need workers’ comp?
Each employer must secure workers' compensation for all covered employees through an authorized insurer, an approved self-insurance group or self-insurance, generally starting with the first employee. Maryland is not monopolistic and does not allow opting out.
What can a Maryland homeowner do if no insurer will write the house?
The Joint Insurance Association, which every insurer writing essential property insurance in Maryland must join, provides property coverage to owners who cannot get it elsewhere. Hurricanes and coastal storms are the main catastrophe exposure. Insurers may use percentage hurricane deductibles, but these apply only while a National Hurricane Center hurricane warning is in effect for Maryland and are capped at 5% of the dwelling limit unless the insurer files a higher standard.
Sources
- Maryland: Minimum car insurance
- Maryland: Fault system
- Maryland: Workers’ compensation
- Maryland: Home insurer of last resort
- Maryland: Contractor licensing
- Maryland: insurance regulator
General information as of October 2026, not legal advice; confirm current rules with the agency.