Insurance.maryland.govConsumerDocumentsMedicalLiability Rate Guide - Maryland Insurance Administration 2026

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  1. Click ‘Get Form’ to open it in the editor.
  2. Review the introduction section to understand the purpose of the guide and how it can assist you in comparing medical liability insurance rates.
  3. Navigate to the relevant rate tables based on your specialty. Each table is categorized by different medical professions, such as physicians, surgeons, and various healthcare providers.
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Full coverage in Maryland costs an average of $2,743 per year, or $229 per month. If you want the cheapest policy possible, get minimum coverage. The average cost of minimum coverage in Maryland is $1,114 per year, or $93 per month.
Maryland, on the other hand, tends to have higher rates. The state has a higher population density, particularly in urban areas like Baltimore, which can lead to more traffic congestion and accidents. Additionally, Marylands insurance requirements are slightly more stringent, which can contribute to higher premiums.
Your vehicle insurance must cover, at a minimum: $30,000 for bodily injury. $60,000 for 2 or more people. $15,000 property damage.
Relative Cost of Coverage Avg PremiumPremium / Household Income Maryland $279 3.3% United States $425 6.3%
Marylands average annual home insurance premium is $1,916, $507 less than the national average. Free. Simple.

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$200 a month is above the national average for full coverage car insurance, which is $158 per month. That rate might still be fair if youre a younger driver, live in a high-risk area, or insure a newer or financed car. Drivers with clean records, older vehicles, or minimum coverage may be overpaying at $200 a month.
Our top picks for Maryland health insurance are Kaiser Permanente, CareFirst BlueChoice and Aetna Health. However, the best possible health insurance plan for you will vary widely depending on your personal details and coverage needs.