Insurance Requirements for Car Registration in Maryland

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The Maryland Motor Vehicle Administration requires all drivers to carry liability automotive insurance, or “financial responsibility,” in order to operate a vehicle legally and maintain vehicle registration.

The minimum financial responsibility requirements for drivers in Maryland are as follows:

  • A minimum of $30,000 per person, for bodily injury or death. This means you’ll need to carry a minimum of $60,000 to cover the lowest possible number of people involved in an accident (the two drivers).

  • A minimum $15,000 for property damage liability

  • A minimum of $30,000 per person, for uninsured or under-insured motorist liability. This means you’ll need to carry a minimum of $60,000 to cover the lowest possible number of people involved in an accident (the two drivers).

  • A minimum of $15,000 for property damage uninsured motorist liability

  • A minimum of $2,500 for personal injury protection. This is important because Maryland is a no-fault state, which means that the other party’s insurance may not pay for your personal injury regardless of who is at fault.

This means that the total minimum amount of financial responsibility you will need is $79,000 to cover bodily injury, property damage, uninsured or under-insured motorist, and personal injury protection liability insurance.

Waiving personal injury protection

Maryland law does allow drivers to waive the requirement for personal injury protection in order to obtain more affordable insurance plans. This puts you at risk for unpaid medical bills in the event that you are involved in an auto accident.

Maryland does not require other types of insurance, such as comprehensive coverage or collision coverage.

Proof of insurance

The state of Maryland does not accept insurance cards as legal proof of financial responsibility. Instead, you must present a Maryland Insurance Certificate, also known as an FR-19, in order to register your vehicle.

FR-19 forms can be obtained through your insurance company. These forms:

  • Are free

  • Are only valid for 30 days

  • May be faxed or emailed to the MVA

  • May not be presented in the form of a copy

Proof of insurance will be checked electronically at traffic stops or at the scene of an accident. Your insurance provider is required to report any changes to your insurance policy to the Maryland electronic monitoring system.

Violation penalties

If you fail to carry the proper insurance in Maryland, there are several types of penalties that could be issued:

  • A fine of at least $150 for the first 30 days of driving without insurance, and an additional $7 for each day after 30 days.

  • Vehicle plates and vehicle registration suspension

  • Suspended registration or renewal privileges

  • $30 registration restoration fee once you have proven that you carry the proper insurance

Canceling your insurance

If you wish to cancel your insurance, you must first return your license plates to a Maryland MVA office.

For more information, contact the Maryland Motor Vehicle Administration of the Department of Transportation through their website.


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Bernie

50 years of experience
41 reviews
Bernie
50 years of experience
Honda Accord - Brake Pads Replacement (Rear) - Phoenixville, Pennsylvania
I specifically asked for Bernie to come back, since I was so pleased with the work he did on our other car. This time I got to meet Bernie personally. He is a kind family-man who exhibited the quiet confidence of someone you would expect with the 50 years of automotive experience that he has. I felt very comfortable giving him the key to my car. Two of my kids (ages two and four) came out to greet him, since they remembered him from his first visit. Bernie is great around kids and was very kind to my two-year old son who was trying to "help" Bernie do his job. Thanks again, Bernie!
Honda Odyssey - Brake Pads Replacement (Front, Rear) - Phoenixville, Pennsylvania
I was very pleased with Bernie's work, professionalism, and courteousness. Best brake job I have ever had, and I have had many done (and several done myself, but not on this vehicle). This was a maintenance appointment -- not a repair of something broken -- so I was surprised when the brakes felt so much better after Bernie did the work. You can really see the care he took with our vehicle when I examined everything after he was finished. Thanks, Bernie!

Daniel

9 years of experience
17 reviews
Daniel
9 years of experience
Hyundai Sonata - Brake Pads Replacement (Front, Rear) - Sacramento, California
Awesome customer service. On time and answered my questions with patience. Listened to my concerns and made helpful suggestions. Seemed very knowledgeable and experienced. I will be glad to request him again. Thank you!!

Breck

18 years of experience
532 reviews
Breck
18 years of experience
Toyota RAV4 - Brake Pads Replacement (Rear) - Conroe, Texas
Breck was awesome! He called ahead of time and asked if he could arrive early. He was friendly and easy to talk to. He made me feel comfortable with the service he was going to provide and explained things clearly to me. He smiled and made this experience a good one. I will absolutely be booking future appointments with Breck and I will recommend him and Your Mechanic services to others I know. Thank you!

Brian

19 years of experience
101 reviews
Brian
19 years of experience
BMW Z4 - Brake Pads Replacement (Rear) - Phoenix, Arizona
Brian knows what he is doing and I am so happy yourmechanic.com suggested him for my Z4 car inspection prior to purchasing and even happier he was available to perform my 1st service on the vehicle I purchased. His knowledge on the brand gave him ability to to an in depth inspection and he communicated very well informing me what to prepare for in ownership of my BMW. When he came to perform maintenance on my vehicle he shared so many tips with me. I will absolutely be having Brian come back out when I need future servicing on my car.

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