Maryland Car Insurance for Seniors 65+
Maryland requires 30/60/15 liability coverage and is an at-fault state.
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Maryland at a Glance
30/60/15
Minimum liability limits, in thousands of dollars (per person / per accident / property)
At-fault
The at-fault driver's insurance pays for the damage they cause
Required
PIP and Uninsured motorist coverage must be on every policy
40
Age when license renewal rules change, with a vision test at renewal
Source: state DMV, insurance department and statute records, verified July 2026
Minimum Coverage Requirements in Maryland
Maryland operates under a traditional tort liability system, meaning the at-fault driver's insurance pays for damages in an accident. The state requires proof of financial responsibility at registration and traffic stops, enforced through the Maryland Vehicle Administration's electronic verification system. Maryland also mandates uninsured motorist coverage at the same limits as your liability policy unless you reject it in writing — a detail many seniors discover only at policy inception when the premium is higher than quoted.
Bodily Injury Liability
Property Damage Liability
Uninsured Motorist Coverage
Personal Injury Protection (PIP)
Collision Coverage
Comprehensive Coverage
What Drivers Pay in Maryland
$158–$177/mo
Typical monthly rate in Maryland, drivers 65 and over
Rate data: MoneyGeek and Insure.com, 2026
Keep Your Coverage Without Overpaying
Compare Senior Auto Insurance RatesMature-driver discount
Not required by state law
Mature-driver discounts here are set by each insurer.
Source: state statutes and insurance departments, verified July 2026
Coverage Types
Liability Insurance
Covers injury and property damage you cause to others in an at-fault accident. Maryland's 30/60/15 minimum leaves seniors vulnerable to lawsuits if assets exceed coverage limits.
Uninsured Motorist Coverage
Pays your medical bills and vehicle damage when an uninsured driver hits you. Maryland requires this at the same limits as your liability coverage unless you reject it in writing at policy inception.
Comprehensive Coverage
Covers theft, vandalism, weather damage, hail, and animal strikes. Often worth keeping even on older vehicles due to Maryland's deer population and urban theft rates.
Collision Coverage
Pays to repair your vehicle after an accident regardless of fault. The largest savings opportunity for seniors driving paid-off vehicles worth under $5,000.