Affordable Maryland car insurance that puts you first
Root rewards Maryland drivers with lower rates, makes managing insurance simple, and gives you flexibility to choose auto insurance coverage that fits your needs.
Better auto insurance
Drivers who switch can save up to $1,300 a year on car insurance with Root. Get your personalized Maryland auto insurance quote. It’s easy to see if you could save.
Customizable coverage options
Choose the coverage options and limits that work for you, your car, and your budget. Available coverages vary by state, and you can adjust your policy as your needs change.
Manage your policy in the app
Access your Maryland auto insurance policy, view your insurance cards, and file a claim in as little as 3 minutes right from Root’s convenient mobile app.
Driving in the Old Line State
Maryland drivers pack city streets, beltways, tunnels, mountains, and one very big bay into a relatively small state. Baltimore, Frederick, Annapolis, and the Eastern Shore all offer very different drives.
Around the metros: I-695 circles Baltimore, while I-495 forms the Capital Beltway around the Washington area.
Across the Chesapeake: US 50 and the Chesapeake Bay Bridge lead toward Easton, Ocean City, and the Eastern Shore, while I-70 heads west toward Frederick and the mountains.
Know where to go: The Maryland Department of Transportation oversees highways and transportation, while the MVA handles driver and vehicle services.
From Baltimore to the Eastern Shore and beyond: Explore Maryland car insurance from Root.
Maryland's minimum auto insurance requirements
To legally operate a vehicle in Maryland, you must carry Liability insurance, Uninsured/Underinsured motorist coverage, and Personal Injury Protection (PIP).
The minimum coverage amounts required for drivers in Maryland are [1] :
Bodily injury liability
$30,000 per person
$60,000 per accident
Property damage liability
$15,000 per accident
Uninsured/underinsured motorist coverage
$30,000 bodily injury per person
$60,000 bodily injury per accident (multiple people injured)
$15,000 property damage
Personal injury protection
$2,500
Types of Maryland auto insurance we offer
Explore our Maryland car insurance coverage options available below. You can update your policy anytime in the Root app.
Liability coverage
Liability coverage pays for another person’s injuries or property damage when you’re responsible for an accident.
Collision coverage
Get your car repaired or replaced after a collision with another vehicle or object regardless of who was at fault. Add optional rental coverage.
Comprehensive coverage
Protect your car from damage beyond collisions, including theft, vandalism, severe weather, fire, and falling objects.
MedPay coverage
MedPay insurance helps cover eligible medical expenses like hospital or ambulance bills if you or your passengers are injured in an accident.
Uninsured motorist coverage
Stay protected if you’re in an accident with a driver who doesn’t have insurance or enough coverage to pay for eligible injuries or damages.
Roadside assistance coverage
Roadside assistance gets you back on the road when you're stranded, with services like towing, jump-starts, and tire changes.
What is the average cost of car insurance in Illinois?
The average Illinois driver pays $1,938 per year for full coverage car insurance [2].
Root customers looking to purchase Illinois car insurance could save up to $1,300 a year.
Get a quote in under 5 minutes.
Illinois Auto Insurance FAQs
What is the minimum car insurance required in Illinois?
To legally operate a vehicle in Illinois, you must carry liability insurance and uninsured motorist coverage.
To avoid serious expenses in the event of a major accident, you should consider coverage that protects:
You and your passengers (MedPay coverage)
Your vehicle (collision and comprehensive)
However, liability insurance and uninsured motorist coverage are the only coverages you are legally required to select when purchasing auto insurance in Illinois.
Is it legal to drive without insurance in Illinois?
No, you cannot legally drive without auto insurance in Illinois. State law requires every driver and vehicle owner to maintain continuous liability insurance and uninsured motorist coverage and carry proof of it inside the vehicle. If you’re found driving without insurance, your driver’s license or vehicle registration could be suspended.
Do you need insurance to register a vehicle in Illinois?
Yes. Illinois requires vehicles to be insured in order to be registered, and you’ll need to keep that coverage in place for as long as the vehicle is registered. Letting your insurance lapse on a registered vehicle can lead to penalties, including suspension of your registration.
How do I lower my car insurance rate in Illinois?
The easiest ways to save on your Illinois car insurance premium are to drive safely, compare car insurance quotes, and review your coverage and deductible to find opportunities to save. With Root, you can get a personalized car insurance quote in minutes and explore coverage options that fit your needs and budget in the Prairie State.
Is Illinois a no-fault car insurance state?
No, Illinois is not a no-fault state. It is an at-fault (or fault-based) state for car accidents. The driver who causes the crash is responsible for paying for medical bills, car repairs, and other damages through their insurance.
Is auto collision insurance required in Illinois?
Illinois law does not require drivers to carry collision coverage. The state only requires minimum liability insurance and uninsured motorist coverage. Still, when comparing auto insurance quotes, consider adding collision protection to help pay for repairs to your vehicle after an accident, regardless of who caused it.
Is uninsured / underinsured motorist coverage required in Illinois?
Illinois requires Uninsured Motorist Bodily Injury coverage. Root also offers Uninsured Motorist Property Damage (UMPD), which helps pay for damage to your vehicle caused by an uninsured driver. You can review your uninsured/underinsured motorist coverage options in our app.
Does Root offer full coverage car insurance in Illinois?
There’s actually no such thing as “full coverage” in the auto insurance industry, but the term usually refers to combining liability (Bodily Injury and Property Damage), collision, and comprehensive. Root offers all of these coverages.
Who needs SR-22 insurance in Illinois?
High-risk Illinois drivers may be ordered by a court or the Illinois Secretary of State to provide an SR-22 after serious violations such as DUI, DWI, or driving without insurance.
An SR-22 is not insurance, but a certificate your auto insurer files to prove you carry the state-required minimum coverage. For high-risk drivers, failing to maintain it can result in license suspension.
How does Illinois verify that drivers have car insurance?
The Illinois Secretary of State regularly checks registered vehicles against insurance company records through the Illinois Insurance Verification System. If your coverage can't be verified, you'll get a notice asking for proof of insurance. Miss the deadline, and your registration can be suspended until you pay a $100 reinstatement fee. With Root, you can always find your insurance card in our app.
What happens if I'm partly at fault for an accident in Illinois?
Illinois uses a modified comparative negligence rule with a 51% bar. You can recover damages as long as you're 50% or less at fault, though your compensation is reduced by your share of fault. If you're found 51% or more at fault, you can't recover damages.
Helpful resources for Illinois drivers
Illinois Secretary of State
CyberDriveIllinois is the Illinois Secretary of State's site for driver's licenses, ID cards, vehicle titles, and registrations.
Illinois Department of Insurance
The Illinois Department of Insurance regulates insurance in the state and helps consumers with insurance questions and complaints.
Illinois Department of Transportation
IDOT maintains Illinois highways and oversees transit, aviation, and traffic safety programs.
Start saving on car insurance
Get a rate based primarily on how you drive. The safer you drive, the more you could save.
References
Illinois Department of Insurance. Auto Insurance Shopping Guide.
Insure.com. Annual average rates were compiled in 2026.