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Maryland Teen Driver Insurance: Costs & Discounts

Adding a 16-year-old driver to a parent's policy in Maryland typically increases the annual premium by $2,400–$4,200, or roughly $200–$350 per month. Maryland law requires insurers to offer good student discounts, and pairing that with a telematics program can reduce costs by 20–35%. Parents usually save significantly by adding their teen to an existing policy rather than buying a separate one.

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Non-Standard Auto · SR-22 · Senior · Teen Drivers

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Updated May 2026

State Requirements

Maryland requires minimum liability coverage of $30,000 per person and $60,000 per accident for bodily injury, plus $15,000 for property damage. The state operates a three-stage graduated licensing system: learner's permit at age 15 years 9 months, provisional license at 16 years 6 months with a midnight–5 a.m. curfew and passenger restrictions, and full unrestricted license at 18 after completing the provisional period. Maryland law mandates that insurers offer good student discounts to drivers under 25 who maintain a B average or better, making it one of the few states where this discount is legally required rather than carrier-discretionary.

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$30,000 per person / $60,000 per accident
Bodily Injury Liability
Maryland's required minimums are low for a household adding a teen driver—a single at-fault accident involving serious injuries can easily exceed $30,000. Parents should consider at least $100,000/$300,000 limits when adding a teen, as the statistically higher accident risk for new drivers makes adequate liability protection especially important. The premium difference between minimum and higher limits is often smaller than the financial exposure.
$15,000 per accident
Property Damage Liability
The state minimum of $15,000 may not cover damage if your teen hits a newer vehicle or causes a multi-car accident. Raising this to $50,000 or $100,000 typically adds only $50–$150 annually but protects your household assets if your teen is found at fault for significant property damage.
Must be offered; can be rejected in writing
Uninsured/Underinsured Motorist Coverage
Maryland requires insurers to offer uninsured and underinsured motorist coverage matching your liability limits unless you decline it in writing. For families with teen drivers, accepting this coverage is strongly advisable—it protects your teen if they're hit by a driver with insufficient insurance, which is particularly relevant in Maryland where an estimated 12% of drivers are uninsured.
Not required by state; required by lender if financing
Collision Coverage
Collision coverage is not legally required in Maryland, but lenders mandate it for financed vehicles. For parents whose teen drives an older paid-off car worth less than $4,000–$5,000, many choose to drop collision and accept the out-of-pocket risk—this can save $400–$800 annually, which may be more than the vehicle's value after depreciation and the deductible.
Not required by state; required by lender if financing
Comprehensive Coverage
Comprehensive covers theft, vandalism, weather damage, and animal strikes—risks that apply regardless of your teen's driving skill. Maryland sees higher-than-average deer collision claims in suburban and rural counties, making comprehensive coverage worth considering even on older vehicles if you're in areas like Frederick, Carroll, or Howard counties where wildlife strikes are common.
State-Mandated Minimum Coverage · Maryland

Maryland Minimum Coverage

CoverageMinimum
Bodily Injury (per person)$30,000
Bodily Injury (per accident)$60,000
Property Damage$15,000

License Reinstatement Fee$90

Meeting the state minimum keeps you legal. See whether it's enough — get your Maryland quote.

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Cost Overview

Teen driver insurance costs in Maryland are driven primarily by age, license stage, and driving history, with 16–17-year-olds on learner's permits or provisional licenses representing the highest risk and therefore the highest premiums. The state-mandated good student discount, combined with carrier-offered telematics programs that monitor driving behavior, can reduce costs by 20–35%, making discount stacking the most effective cost management strategy for Maryland parents.

What Affects Your Rate

  • Maryland's state-mandated good student discount is legally required for insurers to offer, typically reducing premiums by 8–15% for students under 25 with a B average or 3.0 GPA—parents must submit report cards or transcripts to activate this discount.
  • Telematics programs that monitor braking, acceleration, speed, and time-of-day driving can reduce teen driver premiums by 10–25%, with some Maryland insurers offering initial enrollment discounts of 5–10% before monitoring even begins.
  • Vehicle choice has outsized impact on teen driver premiums—a 17-year-old driving a 2010 Honda Civic may cost $2,800/year to insure, while the same teen in a 2022 Dodge Charger could cost $5,500/year due to higher theft, repair, and performance vehicle risk ratings.
  • Completing a Maryland MVA-approved driver education course beyond the state's minimum requirement can qualify for driver training discounts of 5–15%, and some insurers offer additional discounts if the course includes defensive driving components.
  • The add-to-parent-policy decision is almost always more cost-effective in Maryland—a separate policy for a 17-year-old typically costs $4,500–$7,000 annually versus $2,400–$4,200 added to a parent's multi-car policy due to multi-car and household discounts.
  • Geographic location within Maryland significantly affects rates—teen drivers in Baltimore City face premiums 25–40% higher than those in suburban Frederick or Carroll counties due to higher accident, theft, and vandalism claim frequencies.
Age 16–17 (Learner/Restricted)
$200–$350/month added
Drivers on provisional licenses face the highest premiums due to limited experience and statistically higher accident rates. Good student discounts and supervised driving programs reduce costs, but expect premiums to represent 80–120% of the parent's base policy cost during this stage.
Age 18–19 (Full License)
$180–$300/month added
Rates typically drop 10–20% when a Maryland teen turns 18 and receives a full unrestricted license, as they've completed the graduated licensing requirements and accumulated more supervised hours. Maintaining a clean driving record during the provisional period is critical to accessing these lower rates.
Age 20–25 (Young Adult)
$140–$250/month added
Young adult drivers see gradual rate decreases each year, with the most significant drop occurring at age 25 when many insurers reclassify the driver. For college students away from home, distant student discounts can reduce rates by 10–30% if the vehicle remains at the parent's Maryland address and the student is more than 100 miles away.

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Coverage Types

Liability Insurance (Higher Limits)

While Maryland requires only $30,000/$60,000/$15,000, teen drivers' statistically higher accident risk makes $100,000/$300,000/$100,000 or higher a better financial choice for most families.

Collision Coverage

Pays for damage to your teen's vehicle after an accident regardless of fault. Required by lenders but optional for paid-off vehicles.

Comprehensive Coverage

Covers theft, vandalism, weather damage, and animal strikes—risks unrelated to your teen's driving behavior.

Uninsured/Underinsured Motorist Coverage

Protects your teen if they're hit by a driver with no insurance or insufficient coverage to pay for injuries and damage.

Medical Payments Coverage

Pays medical expenses for you and your passengers after an accident, regardless of fault, up to your policy limit.

Full Coverage Package

Combines liability, collision, comprehensive, and uninsured motorist coverage—typically required by lenders and recommended for newer vehicles or households with significant assets to protect.

Find Your City in Maryland

Baltimore, Maryland cityscape and street view

Baltimore

urban
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Columbia

suburban
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Germantown

suburban
Blooming tree on hillside meadow at sunset with golden light filtering through white blossoms and green landscape

Silver Spring

suburban
Frederick, Maryland cityscape and street view

Frederick

suburban
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Rockville

suburban
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Gaithersburg

suburban
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Annapolis

urban

Frequently Asked Questions

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