Maryland Auto Coverages
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Maryland Auto Insurance Coverage

Feel secure knowing you have an insurance provider you can rely on. With Nationwide, it’s easy to customize your policy with affordable options for Maryland auto insurance.

Maryland car insurance coverage your policy must have

Liability coverage

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.

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

Uninsured/underinsured motorist

Protects you in the event of an accident where the other party is at-fault and either doesn’t carry insurance or is underinsured.

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

It’s often a good idea to add the following coverages to your policy so you can enjoy the security of being protected on the road:


This type of Maryland auto insurance coverage is used to repair your vehicle when physical damage occurs from non-collision related incidents (subject to deductible). Such incidents include theft, fire, vandalism, glass breakage, and contact with animals.


Collision coverage is used to repair your vehicle when physical damage occurs from collision with another vehicle or object (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.

Tailor your policy with these options

Accident Forgiveness

With this optional coverage, Nationwide will not raise your 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. Get covered for fuel delivery, lockout service, jump-starts and more.

Loss of use

If you can’t drive your car due to a covered loss, this coverage helps pay for a rental car or other transportation expenses so you can get back on the road.

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