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Fair and affordable car insurance in Maryland

From Baltimore to Salisbury and Frederick to Annapolis, car insurance in Maryland is more affordable with Root. Download the Root app, complete the test drive, and then see what you’ll save on your car insurance quote. If you’re a good driver in MD, you could get quality auto insurance and save hundreds. 

How it works

Traditional auto insurance companies base your rate on your demographic data, like your age, marital status, and ZIP code. At Root, we don’t believe that’s a fair way to price car insurance. That’s why we base your auto insurance rate primarily on how you drive, not who you are.

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Visit the App Store or Google Play. Sign up in less than a minute.

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We use your smartphone to measure your driving behavior. Better driving = more savings.

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You can customize and purchase your policy, all in the Root app.

State requirements for Maryland auto insurance

Liability coverage

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

Uninsured/Underinsured Motorist 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. That way, you’re not caught paying for any damages with your own funds. It also covers you if you’re in an accident with a driver in Maryland whose auto insurance 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

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

What other coverages does Root offer?

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Rental Car coverage

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Personal Injury Protection

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Medical Payments


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(including glass coverage)

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Roadside Assistance

(included with every Root policy)

What is the average cost of car insurance in Maryland?

The average driver in Maryland pays $1,467 [1] per year for their car insurance, 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 could save up to $900 a year.

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  1. Annual average rates were compiled in April 2020.

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Root Inc.

80 E. Rich Street

Suite 500

Columbus, OH 43215

Copyright ROOT 2024. ROOT is a registered servicemark of Root Insurance Company, Columbus, OH. Disclaimer for quotes: We reserve the right to refuse to quote any individual a premium rate for the insurance advertised herein. Disclaimer for coverage: Coverage is available in the event of a covered loss. Exclusions may apply. Not available in all states. Disclaimer for savings: Based on savings reported by actual customers who purchased a new Root policy between October 2019 - July 2020; changes in coverage levels not evaluated. For California residents: Telematics is not used and resulting represented savings are not applicable. Referral program not applicable. Roadside Assistance purchased as separate coverage. Visit for more information. This site is protected by reCAPTCHA and the Google Privacy Policy and Terms of Service apply.