Deciding How Much Auto Insurance Coverage is Enough in Maryland

Like every state in the country, Maryland requires everyone who drives a vehicle to carry a certain amount of minimum auto insurance. Maryland has higher minimums that many states, meaning that insurance premiums are a little higher. The average annual payment in 2011 is $1,912 compared to the national average of $1,432. Many people, especially if they are buying Maryland auto insurance for the first time, will ask ‘Does basic liability provide enough coverage?’ The answer will depend on your financial situation and the kind of car you drive among other things. Insurance companies like to say that you should take no chances, and buy as much insurance as you can afford. This is hardly a satisfying answer, however. There is no other remedy but to learn more about what is and what is not covered by basic liability insurance in Maryland.


Maryland uses a Tort system. This means that in any accident involving two or more vehicles, someone must be found at fault. That person and their insurance company will be responsible for covering costs. By state law, Maryland requires that each motorist holds a policy that can provide up to $30,000 per injured person up to a maximum of $60,000 plus $15,000 in property damage coverage. These are high limits by national standards and insurance here will be more expensive than in other places. The good news is that, in theory, you should be well protected if you are the victim of an accident with another driver.

In addition, Maryland auto insurance law requires minimum personal injury protection coverage of $2,500. This money is set aside specifically to cover your own medical costs or those of your passengers. This will be important if the other driver is underinsured or if you have an accident that does not involve another car. Many people choose to carry additional collision or physical damage insurance that will cover your own repair or replacement costs. This will be important for anyone driving a valuable car. It is essential to remember that basic liability does not pay even one cent toward repairing your own car or covering the medical expenses of you or your passengers.

Comprehensive insurance is intended to offer additional coverage for non-accident related damage. This insurance will cover storm damage, theft, fire, and glass breakage in most cases, but it is always a good idea to carefully read any policy to be sure you know what is and what is not included. Work Loss, Gap Insurance, Rental Car Reimbursement, and Towing and Labor insurance offer additional protection for those who would prefer to be insured against lost time and other inconveniences resulting from an accident.

A combination of these plans at varying levels is available from a wide range of companies. Beyond basic coverage, each motorist should compare the cost of more complete coverage with the potential loses that could result from an accident. The proper level of coverage for you will depend on how valuable you consider your time as well as your ability to fix or replace your car should it be damaged. Comparing Maryland auto insurance quotes is a fast way to learn the real cost of different levels of coverage. In many cases, significantly coverage that is more complete can be obtained without paying a whole lot extra.

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