The rule in Maryland
Maryland uses a 75% simple percentage threshold to decide when a damaged vehicle must be declared a total loss. Once estimated repair cost reaches 75% of the vehicle's actual cash value (ACV), state law treats it as a total loss — regardless of what the vehicle's salvage value would be.
Worked example — a $10,000.00 vehicle:
Repair estimate: $7,500.00 (75% of $10,000.00). On a $10,000.00 vehicle, repair costs reaching $7,500.00 (75% of ACV) meet Maryland's total-loss threshold.
What this means practically
75% is the single most common state threshold nationally, and Maryland uses it — roughly three-quarters of the vehicle's actual cash value in repair costs triggers a total loss.
How Maryland compares nationally
Of the 29 jurisdictions that use a fixed percentage, 7 set a lower bar than Maryland's 75%, 16 use the same 75%, and 5 set a higher one. Another 22 use the Total Loss Formula instead of any percentage.
Maryland vs. bordering states
| State | Rule | Compared with Maryland |
|---|---|---|
| Maryland | 75% of ACV | — |
| Delaware | Total Loss Formula | Different method |
| Pennsylvania | Total Loss Formula | Different method |
| Virginia | 75% of ACV | Same rule |
| West Virginia | 75% of ACV | Same rule |
| Washington, D.C. | 75% of ACV | Same rule |
Across the state line — Take a $10,000.00 car with a $7,500.00 repair estimate. It is a total loss in Maryland (75% of ACV), but it is not a total loss in Delaware (Total Loss Formula, with an assumed $1,000.00 salvage value). If your accident happened near the Delaware line, check which state's rule actually applies — usually the state where the vehicle is registered and insured.
Who regulates total losses in Maryland
Total-loss rules are enforced by Maryland's insurance regulator. If you think your insurer applied the wrong threshold or undervalued your vehicle, you can file a consumer complaint there. Find the department's contact details in the NAIC directory of state insurance departments, and see how to file a complaint with your state insurance department.
Check your own numbers
The Total-Loss Threshold Checker has Maryland pre-selected from this link — enter your own repair estimate and ACV to see how they compare.
What this page can't tell you
It can't tell you Maryland's threshold with legal certainty — this reflects one compiled secondary review as of mid-2026, not a direct reading of the state's current statute or administrative code, and state rules can change. It also can't tell you what your specific vehicle's ACV or salvage value actually is; for that, see How Insurers Value a Total-Loss Vehicle and run your own numbers through the Total-Loss Offer Audit calculator.
Frequently Asked Questions
What is the total-loss threshold in Maryland?
Maryland uses a 75% simple percentage threshold: if estimated repair cost reaches 75% of the vehicle's actual cash value (ACV), state law treats it as a total loss.
Does Maryland use a percentage rule or the Total Loss Formula?
A percentage rule — specifically 75% of ACV. Some neighboring states use the Total Loss Formula instead, so the same repair estimate can produce a different result just across a state line.
Is this the exact test my insurer will use?
It's the state-law minimum, compiled from a secondary source and one example state regulator's published methodology — not a live read of the current statute, and not necessarily identical to your insurer's own internal total-loss policy, which can be more (but not less) generous. Confirm the current rule with your state insurance department if it matters to your claim.