Maryland
Maryland

Find out how much you can save on Maryland car insurance.

Download the app. Take a test drive around the Old Line State. Get a free quote.

Why choose Root for your Maryland insurance policy?

Marylanders: did you know that your state is home to the very first school in the U.S.? Citizens of the Old Line State have a long tradition of intellect and education. Thanks to Root, you finally have car insurance that’s just as smart. Whether you’re driving the busy streets of Baltimore or crossing the Chesapeake Bay Bridge, you deserve affordable, sensible coverage that fits your needs. With Root, great drivers in Maryland can save up to 52%.

What makes Root different from traditional insurers in Maryland?

We base rates primarily on how you actually drive, not just on some statistical profile of your age, credit score, marital status, and ZIP code.

Here’s how it works:

  1. Download the free Root app and breeze through a simple signup.
  2. Drive normally for 2-3 weeks. During that test drive, your smartphone gathers driving data and sends it to us to crunch the numbers (it knows if you’re a driver or passenger—don’t worry). We run that data through our machine learning algorithm to determine your customized rate.
  3. Get your free quote and customize your policy, all within the app. And because we don’t insure high-risk drivers, good drivers save up to 52%.

Root is disrupting the broken insurance industry by bringing fairness and ease to customers across the Old Line State.

The worst 30% of drivers
cause nearly 45% of all accident costs1
Bad drivers cause nearly 45% of all accident costs

It’s a good time to be a good driver in Maryland.

Because Maryland is an electronic proof of insurance state, you’ll always have legal, hassle-free proof of coverage on hand through the Root app on your phone. Root’s competitive quotes and simple app prove that car insurance can be easy and affordable for the state’s best drivers—from Baltimore to Gaithersburg, Hagerstown to Rockville, and all points between (we’re looking at you, Frederick).

What are the minimum car insurance requirements in Maryland?

To legally operate a vehicle in Maryland, you must carry liability coverage, uninsured and underinsured motorist coverage, and personal injury protection (PIP), also known as no-fault coverage. If you’re found driving without the required insurance, you can face suspension of your license plates and vehicle registration, in addition to fines and reinstatement fees.

Liability coverage helps to pay for property damage or bodily injuries that occur from a car accident you cause. It does not cover harm to you or your family members (that’s what Medical Payments or Personal Injury Protection coverages are for) or your vehicle (but Collision and Comprehensive coverages do). These additional coverages can help you avoid serious expenses in the event of a major accident.

Minimum required liability coverage in MD:

  • $30,000 Bodily Injury (per person)
  • $60,000 Bodily Injury (per accident – multiple people injured)
  • $15,000 Property Damage

You can always opt for higher limits if you want more coverage.

Uninsured and underinsured motorist coverage (UM/UIM) will help pay for the damages, losses, and injuries you suffer if you’re in an accident caused by a driver who doesn’t have car insurance. It also covers you if you’re in an accident with a driver whose car insurance is insufficient.

Minimum required uninsured/underinsured motorist coverage:

  • $30,000 Bodily Injury (per person)
  • $60,000 Bodily Injury (per accident – multiple people injured)
  • $15,000 Property Damage

You can always opt for higher limits if you want more coverage.

Personal Injury Protection (PIP)

Maryland also requires drivers to have Personal Injury Protection (PIP), also called no-fault car insurance. PIP coverage will help pay for your medical bills after a car accident, regardless of who is at fault for the accident. If you’re involved in a car accident caused by another driver, that driver's liability insurance is responsible for your medical costs even after your PIP goes into effect. While insurance companies are required to offer this coverage, drivers who meet certain criteria can choose to decline it in writing.

Minimum required personal injury protection coverage:

  • $2,500

You can always opt for higher limits if you want more coverage.

When do you need to show proof of insurance?

You must show proof of insurance if you’re stopped by a police officer or involved in a car accident. Acceptable forms include:

  • An insurance ID card issued by your insurance carrier
  • Electronic version of your ID card, like the one found in the Root app on your phone

Failure to present proof of insurance to a police officer at a traffic stop may result in a $50 fine. If you’re insured with Root, you can avoid that trouble. As long as you’ve got your phone, you have legal proof through the Root app.

What other coverages does Root offer?

  • Collision
  • Comprehensive (including glass coverage)
  • Medical Payments
  • Rental
  • Roadside Assistance (included in every Root policy)

Learn all about Root’s coverage options here:

Our Coverages

What are the fines and penalties if you’re caught without insurance?

If you’re found driving without insurance, you’ll face the following:

  • Suspension of your license plates and vehicle registration
  • $150 fine for the first 30 days with an additional $7 fine for each subsequent day
  • Suspended privileges to register or renew any car
  • $30 registration reinstatement fee

If you’re caught with a false proof of insurance, you face:

  • One year of imprisonment
  • $1000 fine

What is the average cost of car insurance in Maryland?

The average driver in Maryland pays $1,3272 per year for their auto policy, but many people pay much more—often to make up for their bad-driving counterparts. Root doesn’t insure high-risk drivers, so Root customers save up to $1,112/year on average—all while enjoying fair and simple car insurance.

What our customers tell us

Root car insurance app for iPhone and Android

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