Maryland Teen Driver Insurance: Costs & Discounts
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
State Requirements
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.
Bodily Injury Liability
Property Damage Liability
Uninsured/Underinsured Motorist Coverage
Collision Coverage
Comprehensive Coverage
Cost Overview
$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
Add Your Teen Without Doubling Your Bill
Compare Teen Driver 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
Frequently Asked Questions
When can my teen get a full driver's license in Maryland?
Maryland teens receive a full unrestricted driver's license at age 18, after holding a provisional license for at least nine months with no moving violations or at-fault accidents during the final five months. Teens can apply for a provisional license at 16 years and 6 months if they've held a learner's permit for at least nine months, completed 60 hours of supervised driving including 10 hours at night, and passed the driving test.
What are the passenger and curfew restrictions for teen drivers in Maryland?
Maryland provisional license holders (ages 16–18) face a midnight to 5 a.m. curfew except for work, school, or medical necessity, and cannot transport passengers under age 18 except siblings for the first 151 days (roughly five months) of holding the provisional license. After five months, one non-sibling passenger under 18 is allowed, and these restrictions end completely when the driver turns 18 and receives a full license.
Does my teen need their own car to be added to my Maryland insurance policy?
No—Maryland teens can be added to your policy as an occasional or primary driver of a vehicle you already insure, which is often the most cost-effective approach. If your teen will be the primary driver of a specific vehicle, you should list them that way to ensure proper coverage, but they don't need to own the car or have it titled in their name to be insured on your policy.
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.