Maryland Car Insurance Requirements (2024)
Navigate Maryland car insurance regulations and understand the required coverage for a smooth driving experience. With our helpful resource, you can gain the knowledge you need to make informed decisions about your car insurance coverage. Stay on the right side of the law and safeguard your financial well-being.
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Justin Wright
Licensed Insurance Agent
Justin Wright has been a licensed insurance broker for over 9 years. After graduating from Southeastern Seminary with a Masters in Philosophy, Justin started his career as a professor, teaching Philosophy and Ethics. Later, Justin obtained both his Property & Casualty license and his Life and Health license and began working for State Farm and Allstate. In 2020, Justin began working as an i...
Licensed Insurance Agent
UPDATED: Oct 21, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance company and cannot guarantee quotes from any single insurance company.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything insurance related. We update our site regularly, and all content is reviewed by insurance experts.
UPDATED: Oct 21, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance company and cannot guarantee quotes from any single insurance company.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
Welcome to our comprehensive guide on Maryland car insurance regulations and required coverage. If you’re a driver in Maryland, it’s crucial to understand the insurance requirements and coverage options to ensure you’re adequately protected on the road. Explore requirements, liability limits, uninsured motorist protection, and more.
To find the best insurance rates tailored to your specific circumstances, enter your zip code below and compare quotes from top-rated insurance providers. Don’t miss out on the opportunity to secure the right coverage at the best rates.
Required Insurance Coverage
All personal vehicles in Maryland require the following liability coverage requirements:
- Bodily Injury
- Property Damage
Additionally, Maryland requires:
- Uninusred / Underinsured Motorist Bodily Injury
- Uninusred / Underinsured Motorist Property Damage
- Personal Injury Protection (PIP)
Read more: Maryland Car Insurance Discounts
| Minimum Maryland Car Insurance Requirements | |||
|---|---|---|---|
| Bodily Injury Liability | $20,000 / $40,000 Limit | ||
| Property Damage Liability | $15,000 Limit | ||
| Uninsured/Underinsured Bodily Injury | $20,000 / $40,000 Limit | ||
| Uninsured/Underinsured Property Damage | $15,000 Limit | ||
| Personal Injury Protection | $2,500 Limit | ||
Additional insurance coverage can include:
- Comprehensive and Collision Coverage
Comprehensive and collision, while optional, are highly recommended. Comprehensive can help pay for damages if your car is stolen or if your car has damage from a fire. A list of the most stolen vehicles in Maryland can serve as a guide to see how at-risk your vehicle is. Collision is pays for repairs to or replacement of your vehicle after an accident.
Proof of Insurance and Financial Responsibility
Establishing proof of insurance and financial responsibility
- Get a standard liability car insurance policy
Required Documentation
In order to provide proof of insurance, you can provide one of the following:
- Insurance ID Card
- Maryland Insurance Certification (FR-19) if asked for proof from MVA or registering your vehicle
You must maintain proof of insurance and financial responsibility and present it:
- When asked by a police officer
- After an accident
- When registering or renewing your vehicle’s registration
- When requested for proof by the MVA
- Anytime you are operating a vehicle
Failure to Maintain Financial Responsibility Penalties
If you are unable to show proof of insurance, you can face the following penalties:
- Fees of $150 during the first 30 days and $7 per day thereafter
- Suspension of your registration and a reinstatement fee of $25
- Fines of $1,000 or imprisonment for 1 year
- Required to pay all fines prior to registering any vehicles
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Frequently Asked Questions
What are the minimum requirements for car insurance coverage in Maryland?
The minimum requirements for car insurance coverage in Maryland are:
- $30,000 for bodily injury per person
- $60,000 for bodily injury per accident
- $15,000 for property damage per accident
Is it necessary to have uninsured motorist coverage in Maryland?
While uninsured motorist coverage is not mandatory in Maryland, insurance companies are required to offer it to their policyholders.
What is the penalty for driving without car insurance in Maryland?
The penalty for driving without car insurance in Maryland can include fines up to $1,000 and the suspension of your driver’s license and vehicle registration.
Can I use my out-of-state car insurance in Maryland?
No, if you are a resident of Maryland, you must have car insurance that meets the state’s minimum requirements.
What factors can affect my car insurance rates in Maryland?
Several factors can affect your car insurance rates in Maryland, including your age, gender, driving record, type of car you drive, and where you live.
How can I find the best car insurance rates in Maryland?
To find the best car insurance rates in Maryland, it’s important to shop around and compare quotes from multiple insurance companies. You can also consider increasing your deductible or taking advantage of discounts for safe driving or multiple policies.
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Justin Wright
Licensed Insurance Agent
Justin Wright has been a licensed insurance broker for over 9 years. After graduating from Southeastern Seminary with a Masters in Philosophy, Justin started his career as a professor, teaching Philosophy and Ethics. Later, Justin obtained both his Property & Casualty license and his Life and Health license and began working for State Farm and Allstate. In 2020, Justin began working as an i...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything insurance related. We update our site regularly, and all content is reviewed by insurance experts.