It is illegal to drive without insurance in the roads and highways of Maryland. And unlike other states, the State of Maryland requires three types of insurance: automotive liability insurance, uninsured motorist coverage and personal injury protection coverage.

For the automotive liability insurance, the required minimum car insurance for Maryland is $20,000 per person for bodily injury per accident, $40,000 per accident for bodily injury per accident and $15,000 per accident for property damage.

In most states, the uninsured motorist coverage is an elective insurance. However in Maryland it is a requirement. This is a requirement in the state so that drivers are protected from paying for medical bills and for the damages to property in case the driver responsible for the accident does not have any car insurance. The required minimum coverage for the uninsured motorist is also the same as the liability: 250/40/15.

The personal injury protection or PIP is usually bought by drivers in no-fault system state. In Maryland however, this additional protection is again a requirement. This coverage is your protection in case you cannot work because of the accident. The required minimum coverage is $2,500. Since you are required to have this additional coverage, it is advisable to increase your coverage since the increase will not cost you much. In fact, the typical maximum coverage insurance companies allow, which is $10,000 is very inexpensive so you might want to ask your insurance company about their rate. Another thing that you should know is that if your health care policy has the same coverage or equals to the same coverage, you are exempt from buying the PIP. Aside from the required insurance coverage, you might also want to be fully protected, you can do this by choosing collision coverage and comprehensive coverage which is what most car insurance providers for Maryland recommend.