Automobile liability insurance is mandatory in the State of Maryland and in the District of Columbia with each having minimum required coverage with prescribed minimum limits.

  • Required Coverage
  • Bodily Injury per person
  • Bodily Injury per accident
  • Property Damage to others
  • Uninsured Motorist
  • Underinsured Motorist
  • Personal Injury (P.I.P.)
  • MD Minimum Limits
  • $20,000 BI per person
  • $40,000 BI per accident
  • $15,000 PD per accident
  • Same limits as above
  • Same limits as above
  • $2500 (Can be waived)
  • DC Minimum Limits
  • $25,000 BI per person
  • $50,000 BI / accident
  • $10,000 PD / accident
  • Same BI w/ $5000 PD
  • (Optional)
  • N/A
Registered (tagged) vehicles not insured in MD and DC are subject to fines. (DETAILS) Additional information regarding title and tag registration available at the MD MVA. Additional information regarding title and tag registration available at the DC DMV.
The above limits represent state minimums and can be increased to suit individual needs through most companies. Some companies do require higher limits to qualify for their "Preferred" rating tier. Physical Damage coverage (comprehensive & collision) is normally required by the lending institute if your vehicle is financed. Medical, funeral expense, loss of income, towing, rental, and deductible reimbursement are all optional and available through most companies.
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