Teen Driver Insurance in Maryland: Parent Guide
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
15½
Minimum learner's permit age, 60 supervised driving hours
Source: state DMV, insurance department and statute records, verified July 2026
Minimum Coverage Requirements in Maryland
The state operates a three-stage graduated licensing system administered by the Maryland Motor Vehicle Administration: learner's permit at age 15 years 9 months, provisional license at 16 years 6 months (with passenger and nighttime restrictions), and full license at 18. Maryland Insurance Code requires all insurers to offer a good student discount to teen drivers maintaining at least a B average, making it one of the few states where this discount is mandated rather than carrier-discretionary.
Liability Insurance
Uninsured Motorist Coverage
Collision Coverage
Comprehensive Coverage
Full Coverage
What Drivers Pay in Maryland
$507–$521/mo
Typical monthly rate in Maryland, adding a driver aged 16–19 to a parent's policy
Rate data: Insurify and ValuePenguin, 2025
What Affects Your Rate
- The Maryland MVA requires 60 hours of practice driving for provisional license holders, and insurers reward documented completion.
- Maryland parents often assign older paid-off vehicles to teen drivers to minimize both collision premiums and deductible risk.
- This bundling advantage disappears if the teen gets a separate policy.
Cover Your New Driver for Less
Compare Teen Driver Insurance RatesRules for new drivers
Night driving
midnight-5am
Passengers
no passengers younger than 18 for first 151 days (age 18+ exempt)
Source: IIHS and state DMV records, verified July 2026
Coverage Types
Liability Insurance for Teen Drivers
Liability pays for injuries and property damage your teen causes to others. Maryland's 30/60/15 minimums leave parents exposed to significant out-of-pocket risk if a teen driver causes a serious accident.
Collision Coverage Decision
Collision repairs or replaces your vehicle after an at-fault accident. For teen drivers, collision claims are common—16-year-olds have crash rates nearly four times higher than drivers over 20.
Uninsured Motorist Protection
Uninsured motorist coverage protects your teen if hit by a driver without insurance. Maryland requires 30/60 minimums, but approximately 12% of Maryland drivers are uninsured.
Comprehensive Coverage
Comprehensive covers theft, vandalism, weather, and animal collisions. Maryland's suburban and rural areas—particularly Baltimore, Howard, and Frederick counties—see frequent deer strikes.
Good Student Discount (Mandated)
Maryland Insurance Code Section 27-502 requires all auto insurers to offer a good student discount to teen drivers maintaining at least a B average or equivalent GPA.
Telematics Programs
Telematics programs use a mobile app or plug-in device to monitor driving behavior—speed, braking, mileage, and time of day. Safe driving earns discounts of 15–30%.