Maryland Car Insurance Coverage | Allstate Car Insurance

Coverage designed with you in mind

Finding the right car insurance for you means staying up to date on Maryland requirements. The table below lists the coverages and minimum coverage limits that are required in Maryland. Keep in mind, however, that minimum coverage limits are just a starting point. You may want to consider increasing your coverage limits for greater protection.

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Maryland car insurance state minimums

Coverage type	State requirements
Bodily injury liability Helps cover expenses related to the injury or death of another driver or a pedestrian when an accident is your fault.	$30,000 limit per person/$60,000 limit per accident
Property damage liability Helps cover expenses related to the damage of another person's property — like vehicles, homes, buildings and other structures — when an accident is your fault.	$15,000 limit
Uninsured motorist Helps cover your medical expenses if you're in an accident, the other driver is at fault and doesn't have any insurance.	Bodily injury: $30,000 limit per person/$60,000 limit per accident Property damage: $15,000 limit
Underinsured motorist Helps cover your medical expenses if you're in an accident, the other driver is at fault and doesn't have enough liability insurance.	Grouped with uninsured motorist coverage
Personal injury protection If you and/or your passengers are hurt in an accident, this helps cover medical or funeral expenses.	$2,500 limit
Collision Helps cover expenses to repair or replace your vehicle that's been damaged in an accident.	Not required¹
Comprehensive Helps cover expenses to repair or replace your vehicle that's been stolen or damaged by things like storms or vandalism.	Not required¹

All coverages are subject to the coverage limits stated in your policy.

¹Although Maryland law does not require drivers to carry this coverage, it may be required by your lender if you are leasing or financing your vehicle.

Other types of car insurance coverage in Maryland

Allstate also offer these other types of car insurance coverage:

Roadside coverage
Ride For Hire®
Rental reimbursement coverage

Learn about these and other car insurance coverage types available.

Maryland car insurance discounts

It’s possible to get quality coverage at a lower rate than you might think. When you get a quote for Maryland auto insurance from Allstate, you may be eligible for discounts that could help you save. Some available discounts can include:

Multiple policy / bundling discount
New car discount
Smart student discount

Review the different types of car insurance discounts tailored to you and enjoy savings without cutting coverage.

Insurance bundling discounts

Allstate offers discounts for having multiple polices together, when you need multiple types of protection — for instance, bundling your auto and homeowners insurance could save you up to 5%*. When you bundle multiple Allstate insurance policies, you can quickly access them with a single sign-in, where you can review your coverages and make payments.

Factors that can impact your car insurance rates in Maryland

In addition to selecting the coverages, limits and deductibles that’s right for you, these factors could also affect your car insurance rates in Maryland:

The type of car you’re insuring (year, make, model)
Your driving habits and annual mileage
Demographic factors, like zip code
Any discounts you may qualify for

Learn more about these factors that could impact your car insurance premium.

Maryland’s rules on electronic proof of insurance

If you are stopped by the police and asked to show proof of insurance, you may wonder if you need to find a paper copy of your insurance card, or if you can use an electronic version. In Maryland, you are allowed to show an electronic copy of your insurance card on your mobile device. You can use the Allstate mobile app for iPhone® and Android® to access a digital ID card.