Maryland Car Insurance for Drivers 75 and Older
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 system — drivers who cause accidents are financially responsible for the resulting damages. The Maryland Insurance Administration requires all registered vehicles to carry proof of insurance at all times, and law enforcement can verify coverage electronically during traffic stops. Maryland does not impose additional filing requirements for standard drivers, but conviction-related suspensions may trigger certification obligations through the Maryland Motor Vehicle Administration.
Bodily Injury Liability
Property Damage Liability
Uninsured Motorist Coverage
Personal Injury Protection (PIP)
Collision and Comprehensive
What Drivers Pay in Maryland
$158–$177/mo
Typical monthly rate in Maryland, drivers 65 and over
Rate data: MoneyGeek and Insure.com, 2026
What Affects Your Rate
- Clean driving records matter less after age 75 — carriers apply age-based surcharges independent of violation history, meaning a 78-year-old with zero claims still pays more than a 65-year-old with one minor violation.
- Multi-car and homeowner bundling discounts erode after age 75 — some carriers reduce or cap bundle savings for drivers in this age bracket, producing unexpected rate jumps at renewal even when no claims occurred.
Find Coverage That Fits Driving Past 75
Compare Auto Insurance for Drivers 75+Mature-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
Frequently Asked Questions
Do Maryland carriers non-renew policies based solely on age?
Maryland law does not prohibit age-based non-renewal, and some carriers do non-renew policies once drivers reach 80 or 85 without regard to claims history. Non-renewal notices must be delivered at least 45 days before the policy expiration date under Maryland Insurance Administration regulations. If you receive a non-renewal notice, the Maryland Automobile Insurance Fund serves as the assigned risk pool and guarantees coverage at state-approved rates.
How does Maryland's tort system affect liability coverage decisions for older drivers?
Maryland operates under a tort system, meaning injured parties can sue you directly for damages exceeding your policy limits. Drivers 75 and older face higher litigation exposure because tort judgments in this age bracket often include long-term care and disability damages that exceed state minimums. The 30/60 minimum is exhausted by a single serious injury — 100/300 limits provide meaningful protection against catastrophic claims.
Coverage Types
Liability Insurance
Covers injury and property damage you cause to others. Maryland's 30/60/15 minimum is among the lowest in the Mid-Atlantic region and exhausts quickly in multi-vehicle crashes.
Uninsured Motorist Coverage
Protects you when struck by a driver with no insurance or insufficient coverage. Must be offered at limits matching your liability selection; rejection requires written signature.
Comprehensive Coverage
Covers theft, vandalism, hail, flood, animal strikes, and falling objects. Not legally required but often mandated by lienholders.
Full Coverage
Combines liability, uninsured motorist, comprehensive, and collision into a complete package. Protects both your liability exposure and your vehicle's value.