Maryland
Maryland guides

Average Cost of Car Insurance in Maryland: What Drivers Pay and What Drives Your Quote
A Maryland policy with liability, collision and comprehensive averaged $1,767.57 a year in 2024, per the NAIC. See what averages mean and what moves a quote.
AutoMaryland Auto Insurance Fund (MAIF): Who It Serves, What It Covers and How to Apply
Maryland Auto Insurance (MAIF) covers residents that private insurers canceled, nonrenewed or refused. See who qualifies, what it covers and how to apply.
AutoMaryland Car Insurance Requirements: Minimum Coverage, PIP, Uninsured Motorist and What to Ask Your Agent
Maryland requires 30/60/15 liability, $2,500 of PIP unless waived, and uninsured motorist coverage on every registered car. See the rules and lapse penalties.
More Maryland guides

Maryland Flood Insurance: When You Need It, What It Costs, and How to Check Your Flood Map
Most Maryland homeowners and renters policies exclude flood. See when a lender requires flood insurance, NFIP limits, the 30-day wait and how to check your map.

Maryland Homeowners Insurance: What It Costs, What It Covers, Rate Increases and State Laws
Maryland law does not require homeowners insurance, but lenders commonly do. The 2023 average HO-3 premium was $2,134. See coverage, rate rules and your rights.

Maryland Insurance Lapse: The MVA Uninsured Fines, How to Pay or Clear Them, and What to Do Next
A Maryland insurance lapse costs $200 for days 1 to 30, then $7 a day up to $3,500. See how to pay or clear an MVA notice, return plates and remove a flag.

Maryland Paid Family and Medical Leave (FAMLI): Program Dates, Contributions, Benefits and Private Plans
Maryland FAMLI contributions start January 1, 2027 at 0.9% of wages, and benefits of up to $1,000 a week begin in 2028. See the rules, dates and private plans.

Can You Waive PIP in Maryland? What Personal Injury Protection Pays and How the Written Waiver Works
Maryland requires at least $2,500 of PIP unless the first named insured signs a written waiver. See what PIP pays, who a waiver binds and how to undo it.

Maryland Renters Insurance: What It Costs, What It Covers, and What Maryland Law Says About Landlords Requiring It
Maryland renters insurance covers your belongings, liability and extra living costs. No state law requires it, and HO-4 policies averaged $180 a year in 2023.

Maryland Small Business Insurance: What the Law Requires and What Is Worth Asking About
Maryland businesses with one employee generally need workers' compensation, and every registered vehicle needs active insurance. See what else to ask about.