Is Maryland a no-fault state?
No. Maryland is an at-fault state. The at-fault driver's liability insurance pays for others' injuries, though Maryland also requires PIP that pays some of your costs regardless of fault.
Last checked November 9, 2026 · Official sources (5)
How does Maryland car insurance work?
“This mandatory coverage pays for damages to another person or another person's property that result from an accident where you are at fault.”
Maryland Insurance Administration
What is Maryland's minimum car insurance?
| Coverage | What Maryland requires |
|---|---|
| Injury to one person | $30,000 |
| Injuries in one crash | $60,000 |
| Damage to property | $15,000 |
| Personal injury protection (PIP) | PIP pays some lost income and medical costs after a crash, regardless of fault. The minimum is $2,500. |
| Uninsured motorist | You must carry uninsured/underinsured motorist injury coverage equal to the liability minimums, plus $15,000 for property damage. |
Other at-fault states
Questions
How much insurance does Maryland require?
At least $30,000 per person and $60,000 per crash for injuries, plus $15,000 for property damage (30/60/15).
What if you were partly at fault in Maryland?
Maryland uses contributory negligence: if you were even slightly at fault, you can be barred from recovering anything.
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See if I’m owed moneySources (5)
- Maryland Insurance Administration, checked 2026-11-09. “This mandatory coverage pays for damages to another person or another person's property that result from an accident where you are at fault.”
- Maryland Insurance Administration, checked 2026-11-09. “Maryland law requires all owners of motor vehicles to purchase and maintain a minimum of: $30,000 per person and $60,000 per accident of bodily injury liability coverage; $15,000 of property liability coverage;”
- Maryland Insurance Administration, checked 2026-11-09. “Personal Injury Protection (PIP) insurance provides reimbursement for some types of lost income and medical expenses for injuries sustained as a result of an accident, regardless of fault. Maryland law requires minimum coverage of $2,500.”
- Maryland Insurance Administration, checked 2026-11-09. “Identical amounts of uninsured/underinsured motorist bodily injury coverage; $15,000 of uninsured motorists property damage coverage; and $2,500 of Personal Injury Protection coverage.”
- Maryland Department of Legislative Services, checked 2026-11-09. “Under the defense of contributory negligence, an injured plaintiff's fault, however slight, is a defense to the negligence claim and bars all recovery by the plaintiff.”