Maryland insurance shopping

Shopping for car insurance in Maryland? Compare PIP and UM/UIM before you compare the price.

Maryland auto insurance has several parts that can change the value of a quote. Two prices are not truly comparable if one policy changes PIP or uninsured motorist protection.

Short answer: Maryland requires at least 30/60/15 liability and uninsured or underinsured motorist coverage at state minimum levels. Insurers must also offer PIP. Match those choices before deciding which quote is cheaper.

Maryland auto rules

What car insurance does Maryland require?

30 / 60 / 15

Minimum bodily injury and property damage liability limits.

UM / UIM

Uninsured and underinsured motorist protection is part of Maryland’s required auto system.

PIP offered

Insurers must offer Personal Injury Protection, with Maryland-specific choices about how much protection you keep.

PIP

Why does PIP matter when I compare Maryland quotes?

PIP can pay covered medical expenses and lost wages after an accident without waiting for a fault decision. Maryland allows different PIP choices, and those choices can change the price.

If one quote includes full PIP and another uses limited or rejected PIP, the lower price is not just a price difference. The coverage changed too.

Uninsured drivers

Why should I look closely at UM and UIM?

Uninsured and underinsured motorist coverage can help when another driver causes a covered loss but has no insurance or not enough insurance.

When you compare quotes, check the limits and the type of protection instead of assuming every policy handles this the same way.

Compare correctly

What should stay the same across Maryland quotes?

  • Liability limits.
  • PIP selection and limit.
  • UM/UIM or enhanced underinsured motorist coverage.
  • Collision and comprehensive deductibles.
  • Drivers, vehicles and mileage.
  • Rental, towing and other optional coverage.

Once those items match, the price comparison means much more.

Switching

Can I switch before renewal?

Yes. You can shop before the current policy ends. If you decide to switch, confirm the new policy is active before canceling the old one. Do not create a gap just to save a few dollars.

Primary sources

Maryland sources

Maryland Insurance Administration: Minimum Required Auto Coverage

Maryland Insurance Administration: Auto Insurance Shopping Tips

Maryland Insurance Administration: Uninsured and Enhanced Underinsured Motorist Coverage

Related questions

What should you look at next?

Why does insurance shopping feel so repetitive?

See why starting over with every company can make comparing harder.

Read the insurance shopping guide

Why do quote sites ask for your phone number?

Understand what can happen after you submit an online insurance form.

See how quote-site contact works

Not sure what an insurance term means?

Use plain-English definitions before you compare policies.

Open the Insurance Dictionary

Shopping next step

Ready to compare your options?

You now know what to look for before you focus on price. Ensurance helps people shop for better insurance prices and coverage options through one protected request, so you can keep the important details together instead of starting over again and again.

Start a Maryland auto request

Updated September 18, 2026. Ensurance is a U.S. insurance-shopping company. This page is educational. Insurance prices, availability, eligibility and policy terms vary. Licensed insurance professionals handle policy-specific advice and available options.