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Maryland
Auto Insurance Coverages

It doesn't matter if you live in Capitol Heights, Hyattsville, Gaithersburg or Silver Spring, with so many companies offering auto insurance in Maryland, how do you choose the auto insurance that's right for you? There are a wide variety of car insurance policies, optional insurance coverages and other products available in Maryland, and as your auto insurance needs change, your agent will take the time to help so you can make the choices that are right for you. And if you have a teen driver, there are many other considerations. See the Graduated Driver Licensing chart below. 

Maryland Auto Insurance Coverage Scale

Only you can decide what auto insurance coverages are right for you in Maryland. But the chart below provides a possible starting point for understanding the Maryland-required and most common car insurance coverages.

Coverage
State Requirements
Most Common
Bodily Injury Liability
30,000/60,000
100,000/300,000
Property Damage Liability
15,000
50,000
Uninsured Motorist Bodily Injury
20,000/40,000
100,000/300,000
Medical Payments
Not required
5,000
Collision
Not required
250 deductible
Comprehensive
Not required
0 deductible
Personal Injury Protections
Not required
Meets state minimum requirements

Maryland Graduated Driver Licensing

Maryland has its own variation of Graduated Driver Licensing, and they are one of the few things that have been proven to save teen lives. You and your teen should become familiar with Maryland laws, and at the very least, you should use these laws to form the baseline for the rules you set for your teen driver.

Insurance Institute for Highway Safety Rating
Good
Minimum Entry Age
(Optimal: 16)
15 years, 9 mo.
Extended Learner Period
(Optimal: at least 6 months)
Has optimal provision
Parent Certification
(Optimal: 30 hours minimal)
Has optimal provision
Night Restriction
(Optimal: 9 or 10 p.m.)
Has the provision
but it is not optimal
Passenger Restriction
(Optimal: only 1 non-family member)
Has optimal provision
Minimum Exit Age
(Optimal: 18)
17 years, 9 mo.

Washington, D.C.
Auto Insurance Coverages

Washington, D.C. Auto Insurance Coverage Scale

Only you can decide what auto insurance coverages are right for you in Washington, D.C. But the chart below provides a possible starting point for understanding the Washington, D.C.-required and most common car insurance coverages.

Coverage
State Requirements
Most Common
Bodily Injury Liability
25,000/50,000
100,000/300,000
Property Damage Liability
10,000
50,000
Uninsured Motorist Bodily Injury
25,000/50,000
25,000/50,000
UnderInsured Motorist Bodily Injury
Not required
25,000/50,000
Collision
Not required
500 deductible
Comprehensive
Not required
100 deductible
Personal Injury Protection
Not required
100,000/240,000

Washington, D.C. Graduated Driver Licensing

Washington D.C. has its own variation of Graduated Driver Licensing, and they are one of the few things that have been proven to save teen lives. You and your teen should become familiar with Washington, D.C. laws, and at the very least, you should use these laws to form the baseline for the rules you set for your teen driver.

Insurance Institute for Highway Safety Rating
Good
Minimum Entry Age
(Optimal: 16)
16
Extended Learner Period
(Optimal: at least 6 months)
Has the provision
but it is not optimal
Parent Certification
(Optimal: 30 hours minimal)
Has the provision
but it is not optimal
Night Restriction
(Optimal: 9 or 10 p.m.)
Has optimal provision
Passenger Restriction
(Optimal: only 1 non-family member)
Has the provision
but it is not optimal
Minimum Exit Age
(Optimal: 18)
18

Virginia
Auto Insurance Coverages

Virginia Coverage Scales

Only you can decide what auto insurance coverages are right for you in Virginia. But the chart below provides a possible starting point for understanding the Virginia-required and most common car insurance coverages.

Coverage
State Requirements
Most Common
Bodily Injury Liability
25,000/50,000*
100,000/300,000
Property Damage Liability
20,000*
50,000
Uninsured Motorist Bodily Injury
25,000/50,000*
100,000/300,000
Medical Expense Benefits
Not required*
5,000
Collision
Not required*
250 deductible
Comprehensive
Not required*
0 deductible

Virginia Graduated Driver Licensing

Virginia has its own variation of Graduated Driver Licensing, and they are one of the few things that have been proven to save teen lives. You and your teen should become familiar with Virginia laws, and at the very least, you should use these laws to form the baseline for the rules you set for your teen driver.

Insurance Institute for Highway Safety Rating
Good
Minimum Entry Age
(Optimal: 16)
15 years, 6 mo.
Extended Learner Period
(Optimal: at least 6 months)
Has optimal provision
Parent Certification
(Optimal: 30 hours minimal)
Has optimal provision
Night Restriction
(Optimal: 9 or 10 p.m.)
Has the provision
but it is not optimal
Passenger Restriction
(Optimal: only 1 non-family member)
Has optimal provision
Minimum Exit Age
(Optimal: 18)
18, Has optimal provision
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