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Coverage and service made for Maryland

Maryland is known as the Old Line State and is home to the United States Naval Academy. It has a proud military history. It's our mission to provide service members, veterans and their families with the service they deserve. Whether you're heading for Annapolis, cruising for crabs or driving I-270 on your daily commute, we can be there for you.

The average cost of car insurance in Maryland

There are many things involved in determining auto insurance rates. For example, how many miles you drive a year, your driving record, where you park your car overnight and other factors all play a part in how much you'll pay. Maryland also requires more coverage than most states, making rates higher for some drivers.

See note$219 See noteper month

The average monthly cost for all USAA auto policies issued in Maryland in 2023.See note1

Maryland car insurance coverage requirements

As of Jan. 1, 2024, Maryland law requires drivers to have the following minimum bodily injury and property damage liability limits:

  • $30,000 of bodily injury liability coverage per person

    This helps cover expenses for injuries or deaths to other vehicles' drivers and their passengers, if you're found at fault for an accident. Subject to the terms and conditions of the policy.

  • $60,000 of bodily injury liability coverage per accident limit

    This is the total amount of coverage for costs related to injuries or deaths to other vehicles' drivers and their passengers if you're at fault for an accident. This is subject to the terms and conditions of the policy.

  • $15,000 of property damage liability coverage

    This helps pay for damages to other people's property like vehicles, homes and other buildings if you're at fault for an accident.

  • Uninsured and underinsured motorist coverage

    This helps cover your expenses if you're in an accident caused by a driver who doesn't have insurance or doesn't have enough coverage. You must have the same limits as your bodily injury and property damage coverage.

  • $2,500 of personal injury protection, or PIP

    This helps cover medical costs for you and your passengers. It doesn't matter who caused the accident. You can use it for related medical expenses, lost income and essential services like cleaning and child care. In some cases, you may be able to waive PIP coverage.

Some drivers choose to have higher limits and more coverages for greater protection. If you're responsible for injuries and damage that cost more than your policy will cover, you may have to pay out of pocket.

A popular coverage option is roadside assistance.See note2 It can help if you're broken down and need a tow. Many drivers also add rental reimbursement.See note3 It helps cover the cost of a rental car if your vehicle is in the shop for repairs after a covered loss.

If you're making payments to a leasing company or a lender, they may also require you to carry collision and comprehensive coverages. Learn more about the different types of car insurance coverage.

Get up to 30% off your premium for being a safe driver.See note4

With USAA SafePilot®, the better you drive, the bigger the discount you may earn.

Reasons to choose USAA Auto Insurance in Maryland

A countrywide survey showed that when members switched to a USAA Auto Insurance policy, they saved an average of $725 on their annual premium.See note5 Here's what else you can expect with a USAA Auto Insurance policy.

Coverage for whatever moves you

Still have questions about car insurance?

We can help. To speak with a representative, call 800-531-USAA (8722).([thats 800-531-]8722)