Maryland Auto Insurance
What Maryland requires you to carry, how PIP works, why fault matters more here than in most states, and how we find the right company for your car.
What Maryland requires you to carry, how PIP works, why fault matters more here than in most states, and how we find the right company for your car.
Liability. At least $30,000 for injury to one person, $60,000 for all injuries in one accident and $15,000 for property damage.
Uninsured motorist coverage. Required at the same minimums, plus $15,000 of uninsured motorist property damage. In Maryland, UM also includes underinsured coverage: if the at-fault driver's limits are lower than your UM limits and your injuries exceed what they have, you can claim the difference from your own policy. Insurers also offer enhanced underinsured motorist coverage, which is worth asking about.
Personal injury protection. Insurers must offer at least $2,500 of PIP. It pays medical expenses and some lost income after a crash, no matter who caused it. You can buy full PIP for everyone in the household, choose limited PIP that leaves some drivers out, or in some cases waive it. Waiving lowers the premium, but PIP pays lost wages and household members' medical bills that health insurance won't. Only the first named insured can waive PIP, and the waiver must be in writing on the Maryland Insurance Administration's form. Choosing limited PIP removes PIP for the named insured, every listed driver, and family members in the household who are 16 or older, and an insurer cannot refuse to write you because you decline to waive it. Ask us before you sign.
Maryland still follows contributory negligence. A 2026 analysis by the Maryland Department of Legislative Services describes the rule plainly: an injured person's own fault, however slight, bars all recovery. Bills to soften the rule for pedestrians, cyclists and other vulnerable road users were filed in 2025 and 2026 but didn't pass.
That makes your own coverage, PIP, uninsured and underinsured motorist, and collision, the coverage that actually pays you. And if you cause a serious crash, 30/60/15 runs out fast. $15,000 in property damage won't replace many cars on the road today. Most of the families we insure carry 100/300/100 or more, plus an umbrella.
Pays for injuries and damage you cause others. Minimum 30/60/15; we usually recommend more.
Pays you when the at-fault driver has no insurance or not enough. Ask about enhanced underinsured coverage.
Medical bills and some lost wages after a crash, no matter who's at fault.
Repairs or replaces your car after a crash, theft, hail, fallen tree or flood.
Keeps you moving while the car is in the shop.
Liability above your auto and home, from $1 million.
We also write motorcycles, RVs, golf carts and classic cars.
Sizemore Insurance is licensed in Maryland. We don't have an office in the state. We serve Maryland drivers by phone and online from our North Carolina offices.
Main number: (910) 791-1011
$30,000 bodily injury per person, $60,000 per accident and $15,000 property damage, plus uninsured motorist coverage at the same limits, $15,000 of uninsured motorist property damage, and a $2,500 PIP offer.
You can choose limited PIP, and some people can reject PIP entirely if they meet certain conditions. Waiving lowers the premium but gives up lost-wage and household medical coverage. Talk to us before you sign a waiver.
No. PIP pays regardless of fault, but Maryland is still an at-fault state and follows contributory negligence for injury claims.
The MVA can assess $200 for the first 30 days and $7 for each day after, suspend the registration and take the plates. You can't register another vehicle until the violation is cleared.
Maryland residents turned down by at least two private insurers can apply to the Maryland Automobile Insurance Fund, which does business as Maryland Auto Insurance. We shop the private market first.
No. We're licensed in Maryland and handle quotes, changes and claims help by phone and online.
Every client works with a licensed Sizemore advisor. We compare more than 100 insurance companies and recommend the one that fits. Request a quote online in about two minutes, or call us at (910) 791-1011, Monday through Friday, 8:00 AM to 5:00 PM.