Skip the auto shop - Our mechanics make house calls

Insurance Requirements for Car Registration in Maryland

Insurance Requirements for Car Registration in Maryland

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.

The statements expressed above are only for informational purposes and should be independently verified. Please see our terms of service for more details
Icon-warranty_badge-02

Skip the repair shop, our top-rated mechanics come to you.

At your home or office

Choose from 600+ repair, maintenance & diagnostic services. Our top-rated mechanics bring all parts & tools to your location.

Fair & transparent pricing

See labor & parts costs upfront, so you can book with confidence.

12-month, 12,000-mile warranty

Our services are backed by a 12-month, 12,000-mile warranty for your peace of mind.

Get A Quote

Need Help With Your Car?

Our certified mobile mechanics make house calls in over 2,000 U.S. cities. Fast, free online quotes for your car repair.

GET A QUOTE

More related articles

How to Buy Fuel Treatments
Adding a fuel additive to your gas tank when you fill up is one way to clean vital engine parts of deposits, improve the performance of your engine,...
Insurance Requirements for Car Registration in Kentucky
The Kentucky Transportation Cabinet requires that all drivers in Kentucky carry liability automotive insurance, or “financial responsibility” in order to operate a vehicle legally and maintain vehicle...
The Traveler’s Guide to Driving in Malaysia
CraigBurrows / Shutterstock.com Malaysia is a popular destination for many tourists today. The country has amazing sights and attractions that you will want to explore....


Related questions

Q: Is it Legal to Drive With a Damaged or Missing Mirror?

According to the California Vehicle Code, Section 26709, every motor vehicle that is subject to registration in the state of California, except motorcycles, must have two mirrors that reflect to the driver a view of the highway for a distance...

Q: My park 2003 Cadillac Escalade was hit on the front driver side knock a foot from where it was parked and back up on the center is.

Due to the collusion on the vehicle, the exhaust system was damaged and causing excessive air to get into the exhaust before the oxygen sensors. If the engine light was not on before the accident and now it is on,...

Q: Can an accident cause the alignment to be off and the front left strut to leak even when only the body was damaged visually?

If the speed at time of impact was over 10 MPH and you jumped the curb, the alignment can easily be disturbed not to mention the possibility, indeed likelihood if the speed was high enough, of damage to the unibody...