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Auto Insurance Requirements In Maryland

Maryland Auto Insurance 

According to the Maryland state law, all motorists applying for vehicle registration in Maryland are required to have valid vehicle liability insurance. 

This insurance helps cover the costs of damages or injuries you may have inflicted on others if you are responsible for an accident. You must carry evidence of insurance in your vehicle at all times, and provide it to law enforcement and others involved in an accident with you upon request. 

While this is the minimum amount as required by law, drivers are strongly urged to consider higher limits.  It’s also important to note that, while Maryland law does not require you to have collision and comprehensive coverages, you may have to purchase both as part of your car’s finance or lease agreement.

Car Insurance Policy Requirements in Maryland

Maryland law mandates that every automobile insurance policy sold in the state must have these minimum coverages:

  • Bodily Injury Liability Coverage
    • The state requires a minimum of $30,000 per person and $60,000 per accident
  • Property Damage Liability Coverage
    • The state requires a minimum of $15,000
  • Uninsured Motorist Bodily Injury Coverage
    • The state requires a minimum of $30,000 per person and $60,000 per accident
  • Uninsured Motorist Property Damage Coverage
    • The state requires a minimum of $15,000

Penalties and Violations

If you are caught driving without insurance in Maryland, it is a misdemeanor criminal citation. This means that in addition to fines of up to $1000, you could face 6 months of jail time, plus it could cause you to lose your license and ability to register your car.  

Choosing the insurance that’s actually right for you may seem overwhelming.  It’s important to make sure you’re adhering to the law in whatever state you live.  Don’t go it alone — have one of our friendly, knowledgeable agents help you cut through the nonsense, and get you the security you need while you’re out on the road.  Just fill out this simple form to get started!