Maryland Car Insurance

Auto Insurance In Maryland

Whether you live in Bethesda near the nation's capital or the state capital of Annapolis, you could find great auto insurance rates with GEICO. If you're new to Maryland or just making sure you have the best car insurance quote, GEICO can work with you to make sure you have the right car insurance coverage in MD. Check car insurance rates by getting a free quote with GEICO.

New to Maryland?

Drivers who move to Maryland need to be aware of some registration and car insurance rules that may be different from their previous state.

Registering Your Car In Maryland

To register your car in Maryland, you will need to show proof that you have car insurance. If you've just moved to Maryland, be sure to inform GEICO of your new address so we can make sure that your auto insurance matches the requirements for Maryland registration.

Unlike other states, Maryland has a state inspection called the Maryland Safety Inspection. You will need to pass this inspection and receive a Maryland Safety Inspection Certificate before you can register your vehicle. Each county in Maryland has authorized inspection stations, so find the one nearest to you. The inspection will ensure that your vehicle is up to the state's safety standards.

After you complete your registration, you will likely receive a letter requiring you to get an emissions test. It is important to note that this is separate from the safety inspection, and the state requires that both are completed. Check with your county to find inspection locations.

Maryland Car Insurance Coverage

New Maryland residents and established Marylanders need to make sure that they meet the legal Maryland auto insurance requirements. They may also choose additional coverage that fits their needs. GEICO can give you a free car insurance quote and help you find the right coverage for your car. GEICO also offers many discounts, such as the Maryland defensive driver discount.

The minimum legal Maryland car insurance coverage is:

  • Bodily Injury Liability Coverage: $30,000 minimum per person / $60,000 minimum per accident
  • Property Damage Liability Coverage: $15,000 minimum
  • Uninsured Motorist Bodily Injury Coverage: $30,000 minimum per person / $60,000 minimum per accident
  • Uninsured Motorist Property Damage Coverage: $15,000 minimum
  • Personal Injury Protection: $2,500 minimum*

*Note: Maryland allows you to waive Personal Injury Protection and choose a limited PIP option. Please speak with a GEICO representative to discuss this option.

Teen Drivers In Maryland

Maryland teens looking to get their driver's license should become familiar with Maryland's teen driving laws. To receive a learner's permit, a teen driver must be at least 15 years, 9 months old and complete a knowledge test. After nine months, the driver becomes eligible for a provisional license. Young drivers must first complete driver's education and pass a road test. The minimum age for a full license is 18.