Maryland insurance laws
Insurance regulations, rate filing requirements, department info, and recent bulletins for Maryland. Updated May 2, 2026.
Maryland DOI page content changed
Maryland DOI Website · May 14, 2026
Maryland DOI page content changed
Maryland DOI Website · Apr 25, 2026
Department of Insurance
The Maryland Insurance Administration (MIA) regulates insurance practices in the state, ensuring compliance with state laws to protect consumers. The MIA oversees various types of insurance, including auto, health, life, and commercial insurance, and enforces regulations to maintain fair practices.
Auto Insurance
Notable Laws
- Enhanced Underinsured Motorist Coverage (EUIM) required unless opted out in writing (Md. Ins. § 19-509.1)
- Prohibition on using credit history for underwriting auto insurance (Md. Ins. § 27-501)
- Credit scoring allowed for rating but not underwriting (COMAR 31.15.11.09)
- PIP coverage must be offered with minimum $2,500; can be waived or rejected (Md. Ins. § 19-506.1)
- UM/UIM coverage required in same amounts as liability unless affirmatively waived (Md. Ins. § 19-509)
- MD Ins. Code § 19-501 (Minimum Liability Coverage)
- MD Ins. Code § 19-505 (Uninsured Motorist Coverage)
- MD Ins. Code § 19-506 (Underinsured Motorist Coverage)
- MD Ins. Code § 19-507 (Personal Injury Protection)
- MD Ins. Code § 19-508 (Rate Filing Requirements)
Homeowners Insurance
Notable Laws
- Credit history prohibited for homeowners insurance underwriting, rating, or payment plans (COMAR 31.15.11.04)
- Detached condominium units require separate homeowners insurance rather than HOA master policy coverage (effective October 1, 2024)
- Restrictions on cancellations and nonrenewals based on satellite/aerial imagery (Bulletin 25-10, June 2025)
- Prohibition on using noise abatement violations for insurance purposes (effective July 1, 2024)
- Maryland Joint Insurance Association (JIA) provides coverage for high-risk properties unable to obtain standard market coverage
- MD Ins. Code § 19-401 (Homeowners Insurance Regulations)
- MD Ins. Code § 19-402 (Cancellation and Nonrenewal)
- MD Ins. Code § 19-403 (Rate Filing Requirements)
- MD Ins. Code § 19-404 (Fair Plan Regulations)
Recent Bulletins
Split Settlements Do Not Violate the Insurance Article
Clarifies that split settlement agreements between insurers and claimants do not violate Maryland insurance law provisions
View bulletinContact Information in the Event of a Disaster or Catastrophic Event
Requires insurers to provide updated disaster and continuity contact information to the Maryland Insurance Administration
View bulletinStudent Health Plan Form and Rate Filing Instructions for the 2026-2027 School Year
Provides filing instructions for student health plans for the 2026-2027 academic year
View bulletinMaryland Insufficiency Assessment
Addresses Maryland's insufficiency assessment mechanism for the Maryland Automobile Insurance Fund
View bulletinCancellations, Nonrenewals, and Claim Denials Based on Satellite and Aerial Imagery
Establishes standards for insurers' use of satellite and aerial imagery in underwriting and claims decisions; prohibits cancellations or denials based solely on such imagery without physical inspection
View bulletinRecent Law Changes
Insurance - Automobile Insurance - Maryland Automobile Insurance Fund and Affordability Study
Requires the Maryland Automobile Insurance Fund to meet Risk Based Capital levels and mandates a study on auto insurance affordability in the state
Requires MAIF to maintain adequate capital reserves and initiates study to address rising auto insurance costs for Maryland drivers
Effective: 2025-07-01
Disability and Life Insurance - Medical Information (Genetic Testing Protection Act)
Prohibits life and disability insurers from using genetic test results to unfairly discriminate or accessing genetic data without written consent
Protects consumers from genetic discrimination in life and disability insurance underwriting and rating
Effective: 2025-10-01
Residential Condominium Unit Insurance - Lapses in Coverage - Prohibition on Denial
Prohibits insurers from denying coverage to a condo unit owner solely because of a lapse in coverage caused by an insurer's market withdrawal
Prevents condo owners from being penalized when their prior insurer exits the market, ensuring continued access to coverage
Effective: 2025-10-01
Health Insurance - Utilization Review - Use of Artificial Intelligence
Imposes requirements on the use of AI in utilization review, including clinical history requirements and a prohibition on using AI to solely deny or delay care
Ensures AI-assisted utilization review decisions are transparent and do not result in automatic denials of medically necessary care
Effective: 2025-10-01
Health Insurance - Individual Market Stabilization - Establishment of the State-Based Health Insurance Subsidies Program
Establishes a state-funded subsidy program to mitigate the impact of reduced federal tax credits on individual health insurance premiums
Provides state subsidies to Maryland residents to offset premium increases in the individual health insurance market
Effective: 2025-06-01
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