Keep in mind: If you’re leasing or financing a car, your lender will require you to buy full coverage auto insurance
that covers damage to the vehicle. Your leasing company will also require you to increase your liability limits to 100/300/50. Optional coverages in Maryland
We’ve just described the absolute minimum requirements, but adding collision and comprehensive coverage to your policy is almost always a good idea.
Here are a few additional coverages to check out:
Collision insurance
: Pays for damage done to your car, whether in a car accident or with a stationary object.Comprehensive insurance
: Provides coverage for damage caused by non-collision events like severe weather, theft, vandalism, and more.
Personal injury protection (PIP)
: PIP coverage helps pay for medical bills, rehabilitation costs, lost wages, and funeral expenses for policyholders, family members, and passengers after a car accident, regardless of who’s at fault. This coverage can overlap with health insurance.Medical payments (MedPay):
Like PIP, this pays for medical expenses for you and your passengers, but with more limitations. It can be more affordable than PIP.Roadside assistance coverage: This handy coverage, also known as towing and labor coverage
, pays for services like fuel delivery, battery jumpstarts, and locksmith services.
Penalties for driving without insurance in Maryland
Maryland takes uninsured driving very seriously and imposes harsh penalties. If it’s your second or subsequent offense, you’ll face more jail time and could lose your driver’s license or vehicle registration.
Here’s a breakdown of the penalties for driving without insurance in Maryland:
| | |
---|
| Up to $1000, plus $150 administrative fees for the first 30 days (with an extra $7 per day after that) | Up to $1000, plus $150 administrative fees for the first 30 days (with an extra $7 per day after that) |
| | |
| | License and/or vehicle registration suspension |
Reinstatement requirements | Proof of car insurance; $25 restoration fee for vehicle registration | Proof of car insurance; $25 restoration fee for vehicle registration |
| Adds five points to your license | Adds five points to your license |
Keep in mind: Unlike other states, uninsured drivers aren’t required to buy SR-22 insurance
to reinstate driving privileges. Instead, you might be required to file an FR-19, which is a similar form that your new insurance provider files with the Motor Vehicle Administration (MVA). FAQs
What are the Maryland car insurance requirements?
Your insurance policy has to have the minimum 30/60/15 liability coverage along with uninsured/underinsured 30/60/15 coverage. It’s recommended to have higher amounts of coverage, but these amounts meet the state requirements.
Does Maryland require all drivers to have automobile liability insurance?
Maryland law requires that all drivers carry liability coverage that adheres to the state's minimum auto insurance requirements. That means carrying a minimum of $30,000 bodily injury liability coverage per person, $60,000 per accident, and $15,000 of property damage liability per accident.
Can you own a car without insurance in Maryland?
No, it’s against the Financial Responsibility Law to drive without insurance—and you’re even required to have insurance to register your car.
What type of car insurance coverage is mandatory in Maryland?
The state requires you to carry liability insurance, which pays for damages to others if you get into a car accident. Maryland also requires you to have uninsured/underinsured motorist coverage to pay for your damages or medical bills if you’re in an accident with a driver who doesn’t have any or enough insurance.