• Maryland Auto Insurance Coverage
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Maryland Auto Insurance Coverage

Find the convenient and reliable options you need for Maryland car insurance. Choose from the affordable options below to customize an auto policy that fits your lifestyle and your budget.

Maryland car insurance coverage you must have to stay legal on the road

Liability auto coverage in Maryland is required by law

Maryland law requires drivers to have bodily injury and property damage liability coverage. When buying Maryland auto insurance coverage, you’ll need a policy with at least the required state minimum amount, which is $20,000/$40,000/$15,000. This means in the event of an accident, if you are at fault, you may be covered up to $20,000 per person with a total maximum of $40,000 per incident. It also may cover up to $15,000 in property damage coverage per accident.

• Property damage coverage safeguards your assets if you are found responsible for a covered accident. It may cover damage you cause to the property of another party.
• Bodily injury coverage safeguards your assets if you’re found responsible for a covered accident, including certain expenses associated with bodily harm sustained by the other party.

Liability coverage also provides for your legal defense expenses if you are sued as a result of a covered accident.

Uninsured/underinsured motorist

• Bodily injury: This protects you if you’re involved in an accident and the other party is at-fault and either is uninsured or doesn’t carry enough insurance to cover costs related to your bodily injury damages.
• Property damage: This protects you if you’re involved in an accident where the other party is at-fault and uninsured/underinsured for damages sustained to your vehicle and other covered property.

Personal Injury Protection (PIP)

PIP covers medical, hospital, and disability benefits without regard to fault. This coverage can be waived for certain persons under Maryland law by signature on the proper form.

Maryland auto insurance coverage that’s smart to have

Comprehensive

If your vehicle is physically damaged in a non-collision related incident including fire, theft, glass breakage, vandalism or animal contact, comprehensive coverage is used to cover any necessary repairs (subject to deductible).

Collision

If your vehicle is physically damaged in a collision with another vehicle or object, collision coverage is used to cover any necessary repairs (subject to deductible).

Medical payments

May cover necessary medical expenses for you and other persons, who are covered under your vehicle’s policy in the event of an accident, regardless of who is at fault (as provided by your policy and state law). In your policy, this may be referred to as Medical Payments, Medical Expenses, Medical Benefits or Basic Personal Injury Protection.

Other helpful Maryland auto insurance coverage options

• Accident Forgiveness: With this optional coverage, Nationwide will not raise auto insurance rates following your first at-fault automobile accident. Learn more about Accident Forgiveness.
• Roadside Assistance: Nationwide Roadside Assistance coverage is available in two different levels, Basic and Plus, so you can choose the one that works best with your budget. If you’re stranded, Roadside Assistance can help with fuel delivery, lockout service, jumpstarts and more.
• Loss of Use:  If your car can’t be driven due to a covered loss, this coverage may help pay for a rental car or other transportation expenses so you can get back on the road.

Find the dependable Maryland car insurance coverage you need for less with Nationwide

Get a free online auto insurance quote or find a Maryland auto insurance agent near you.

Average annual savings based on Nationwide policyholder data collected nationally through July 2007 for customers who switched to Nationwide.

Insurance terms, definitions, and explanations are intended for informational purposes only and do not in any way replace or modify the definitions and information contained in individual insurance contracts, policies, and/or declaration pages which control coverage determinations. Such terms may vary by state and exclusions may apply.