Maryland Teen Driver Insurance for Parents & New Drivers
Maryland requires 30/60/15 liability coverage and is an at-fault state.
Compare Teen Driver 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
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
Teen drivers in Maryland follow a graduated licensing system managed by the Maryland Motor Vehicle Administration (MVA): learner's permit at age 15 years and 9 months (requiring 60 hours of supervised driving including 10 at night), provisional license at 16 years and 6 months (with passenger and nighttime restrictions), and unrestricted license at age 18. Maryland law mandates that all insurers offer good student discounts to drivers under 25 who maintain a B average or better, and insurers must offer driver training discounts for teens who complete approved courses.
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
Find the Right Policy for Your Teen
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
Adding Teen to Parent Policy vs. Separate Policy
The most common decision Maryland parents face: add the teen to an existing policy or purchase a separate standalone policy. Adding to a parent's policy is typically 40–60% cheaper because the teen benefits from the parent's multi-car, bundling, and loyalty discounts.
Liability Coverage for Teen Drivers
Maryland's 30/60/15 minimum is rarely sufficient for families with assets to protect. Parents typically increase liability limits to 100/300/100 or 250/500/100 when adding a teen driver, which costs $15–$50/month more than the state minimum but provides significantly better protection.
Collision and Comprehensive for the Teen's Vehicle
If the teen drives a newer or financed vehicle, collision and comprehensive coverage is essential. For older vehicles (10+ years, valued under $5,000), some Maryland parents opt for liability-only coverage to reduce costs, accepting the financial risk of repairing or replacing the vehicle out-of-pocket.
Uninsured Motorist Coverage
Maryland requires UM/UIM coverage at the same limits as liability unless explicitly rejected in writing. Given that roughly 12% of Maryland drivers are uninsured and teen drivers are more likely to be involved in accidents, this coverage is critical for protecting your family.
Good Student and Driver Training Discounts
Maryland law mandates that insurers offer good student discounts to drivers under 25 with a B average or higher. Most carriers also offer discounts for completing Maryland MVA-approved driver training courses, which can stack with the good student discount.
Telematics and Usage-Based Insurance
Telematics programs use a mobile app or plug-in device to monitor driving behavior (speed, braking, cornering, mileage, time of day). Maryland teens who drive cautiously and avoid late-night trips can earn significant discounts.