Senior Driver Auto Insurance in Maryland
Maryland requires 30/60/15 liability coverage and is an at-fault state.
Compare Senior Car Insurance RatesMaryland 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
As an at-fault state, your insurance pays for damage you cause regardless of injury severity. The Maryland Motor Vehicle Administration (MVA) maintains a list of approved courses that qualify for both insurance discounts and point reduction on your driving record.
Liability Insurance
Uninsured Motorist Coverage
Comprehensive Coverage
Collision Coverage
Full 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
See Where Your Rate Stands Today
Compare Senior Car 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
Pays for injuries and property damage you cause to others. Maryland's 30/60/15 minimum provides inadequate protection for senior drivers with assets to protect — a single serious accident can generate $100,000+ in medical claims.
Comprehensive Coverage
Covers non-collision damage from theft, vandalism, weather, animal strikes, and falling objects. Maryland's coastal storm exposure and significant deer population make comprehensive valuable even for older vehicles.
Uninsured Motorist Coverage
Pays your medical bills, lost wages, and vehicle damage when an at-fault driver lacks insurance or carries insufficient limits. Particularly critical for senior drivers who face longer recovery periods and higher out-of-pocket medical costs.
Collision Coverage
Pays for your vehicle damage when you hit another car or object, regardless of who caused the accident. Cost-effectiveness depends on vehicle value relative to annual premium and deductible.
Medical Payments Coverage
Covers medical expenses for you and your passengers after an accident regardless of fault, supplementing Medicare and filling gaps in primary health coverage.
Roadside Assistance
Provides towing, battery jump-starts, lockout service, and flat tire changes. Cost-effective alternative to AAA for senior drivers who rarely need service.