Maryland Auto Insurance Minimums Increase

With the new increase in minimum bodily injury liability car insurance, can help consumers maintain affordable rates while increasing coverage.

Online PR News – 12-January-2011 – – The minimum amounts of bodily injury liability coverage that drivers must carry in Maryland went up on Jan. 1 with the intention of bringing the minimum limits of coverage in line with rising medical costs.

As of the beginning of 2011, the minimum levels of protection that Maryland auto insurance policies must have for bodily injury liability have increased by 50 percent.

New and renewal policies issued in the state now must provide for at least up to $30,000 of bodily injury liability for one person injured in an accident and $60,000 for two or more people injured in an accident — which is commonly denoted as 30/60 coverage.

The previous minimum in the state was 20/40.

Although higher premiums generally come with higher levels of protection, not every Marylander will be affected by the change. Only the drivers who carry policies with barebones coverage levels can expect to see an increase in premiums in order to compensate for the added protection. But according to the National Association of Insurance Commissioners, the added cost of purchasing higher coverage limits tends to be relatively low.


The minimum bodily injury liability insurance limits were also raised in Texas at the beginning of 2011, although they were only bumped up from 25/50 to 30/60. The commissioner for the state of Texas told one media outlet that drivers carrying only the state-set minimums could expect a 2 percent to 3 percent premium increase to come with the switch.

To find out more about securing the best price for a policy in Maryland or in any state, readers can go to and click on the links that will take them to informative resource pages and a free-to-use quote-comparison generator that can help jump-start the search for quality protection.

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