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Maryland Insurance Guide
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Insurance in Maryland
Find comprehensive insurance information for Maryland (MD) residents. From health coverage to auto and home insurance, we’ll help you understand your options in the Northeast region.
Not sure what coverage you need? Take our Coverage Quiz for personalized recommendations.
Quick Facts
| State | Maryland (MD) |
| Region | Northeast |
| Population | ~6.2M residents |
| Health Marketplace | Maryland Health Connection |
| Insurance Regulator | Maryland Department of Insurance |
Health Insurance in Maryland
Maryland residents can find health coverage through:
- Maryland Health Connection - The official health insurance marketplace
- Employer-sponsored insurance - Coverage through your workplace
- Medicaid - For eligible low-income residents
- Medicare - For residents 65 and older
Auto Insurance in Maryland
Maryland has specific requirements for auto insurance coverage. Learn about minimum liability requirements, optional coverages, and how to find the best rates.
Homeowners Insurance in Maryland
Protect your home with coverage tailored to Maryland’s specific risks and requirements.
Life Insurance in Maryland
Find life insurance options available to Maryland residents to protect your family’s financial future.
How Maryland Compares
Understanding how Maryland stacks up against national averages helps you evaluate your insurance costs and coverage options.
| Metric | Maryland | National Avg | Comparison |
|---|---|---|---|
| Auto Insurance (annual) | $1,756 | $1,935 | -9% (above average) |
| Health Insurance (monthly) | $345 | $477 | -28% (among the lowest) |
| Home Insurance (annual) | $1,512 | $2,377 | -36% (near average) |
| Uninsured Rate | 7.5% | 9.5% | -21% (near average) |
Key Insights
- Health insurance premiums are relatively affordable compared to other states, ranking #2 lowest.
Related Resources
- What Insurance Do I Need? - Coverage Quiz - Find out which coverage types match your situation
- Insurance Coverage Checklist - Review your coverage and identify gaps
- Insurance Costs by State - Compare costs across all 50 states
- Insurance Glossary - Understand common insurance terms
Related Insurance Types
- Health Insurance - Medical coverage options
- Auto Insurance - Vehicle coverage requirements
- Homeowners Insurance - Home protection
- Life Insurance - Financial protection for your family
- Business Insurance - Coverage for business owners
Official Resources
- Maryland Insurance Administration (opens in new tab) - State insurance regulator, file complaints, verify licenses
- Maryland Health Connection (opens in new tab) - Maryland’s official health insurance marketplace
- FEMA Flood Map Service Center (opens in new tab) - Check flood zones for any Maryland address
Contact Your State Insurance Department
Have questions about insurance coverage, need to file a complaint, or want to verify an agent's license? Contact your state regulator:
- Agency
- Maryland Insurance Administration
- Phone
- 410-468-2000
- Website
- Visit Official Website
Frequently Asked Questions
What is the minimum auto insurance required in Maryland?
Maryland requires minimum liability coverage of 30/60/15: $30,000 per person for bodily injury, $60,000 per accident for bodily injury, and $15,000 for property damage. Uninsured motorist coverage at 30/60 and Personal Injury Protection (PIP) of $2,500 are also required.
How do I get health insurance in Maryland?
Maryland has its own state marketplace, Maryland Health Connection. Open enrollment runs November through January. Maryland expanded Medicaid and many residents qualify for premium tax credits or cost-sharing reductions.
Does Maryland homeowners insurance cover hurricane damage?
Standard homeowners insurance covers wind damage from hurricanes, but flood damage requires separate flood insurance. Eastern Shore and coastal properties may have separate wind/hurricane deductibles.
Is Maryland a no-fault auto insurance state?
No, Maryland is an at-fault state, but it requires Personal Injury Protection (PIP) coverage. PIP covers your own medical expenses up to limits regardless of fault. You can still pursue claims against at-fault drivers for additional damages.
What is the average cost of car insurance in Maryland?
Maryland drivers pay approximately $1,600-$1,900 per year for full coverage auto insurance, which is above the national average. Baltimore and DC metro areas have significantly higher rates than rural areas.
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[maryland] Insurance Types
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Neighboring State Guides
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