Liability Car Insurance in Maryland
Numbers refreshed
In Maryland, the cheapest legal policy: what it costs and what it doesn't include.
- $79.the average monthly cost for liability.
- 30/60/15.the minimum limits for liability.
- 12th of 51.the most expensive state (1st = highest).
How much liability costs in Maryland
In Maryland, liability-only car insurance averages $944 a year, or about $79 a month. Liability costs place it 12th from the top among the states.
| Coverage in Maryland | Per year | Per month |
|---|---|---|
| Liability | $944 | $79 |
| Collision | $554 | $46 |
| Comprehensive | $269 | $22 |
| Full coverage (all three) | $1,768 | $147 |
Source: NAIC 2024 Auto Insurance Database Average Premium Supplement (PDF).
What you still pay under the minimum
With 30/60/15 liability coverage, Maryland sets required limits of at least those amounts. Each person hurt can receive up to $30,000. The limit for everyone hurt in one crash is $60,000. Damage to other people's property is covered up to $15,000.
Other people are the ones liability coverage pays. You pay for repairs to your own car unless you add collision.
When the cost of a crash goes beyond your limits, you may face a claim for the rest. Buying higher limits usually costs far less than the jump in protection you receive.
Learn more about car insurance in Maryland
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