Car Insurance in Maryland
1. FAST 2. COMPARE 3. $AVE Fill out a quote form about you and your vehicles Instantly get free quotes from top car insurance companies Choose from the lowest rate policies and save hundreds
Enter your Zip Code below to get a Free Quote. We suggest getting quotes from multiple companies to ensure you get the best rate. There is no obligation to purchase.
Maryland Car Insurance
When registering your car in Maryland, your car insurance ID card will not be accepted as proof of insurance. Instead, your car insurance carrier will provide you with a Maryland Insurance Certification that you must sign and submit along with your registration.
Read more to learn about MD car insurance laws, programs, rates, and discounts.
Car Insurance Requirements in MD
In order to comply with Maryland car insurance laws, you must purchase all of the following:
- Liability coverage.
- Uninsured/underinsured motorist coverage.
- Injury protection (PIP or no-fault) coverage.
Liability car insurance helps pay for damages or bodily injury resulting from a car accident for which you are at fault.
Your liability insurance must have the following minimums:
- $30,000 for bodily injury, per person.
- $60,000 for total bodily injury, per accident.
- $15,000 for property damage.
While car insurance is required in Maryland, many drivers remain uninsured. Also, some insured drivers do not have adequate coverage to help pay for costs associated with car accidents.
Uninsured/underinsured motorist coverage helps pay for your injuries and property damage when involved in a car accident caused by these drivers.
Maryland’s required uninsured/underinsured coverage minimums equal those of liability coverage (see above).
Personal Injury Protection (PIP)
Maryland also requires you to have Personal Injury Protection (PIP), also called no-fault car insurance.
PIP coverage will help pay for your medical costs after a car accident, regardless of who is at fault for the accident. Once you have reached your PIP’s limits, your health insurance may be able to cover additional costs.
If you are involved in a car accident caused by another driver, that driver’s liability insurance is responsible for your medical costs even after your PIP goes into effect.
Since it is usually faster to file a claim under your own PIP, you can pay back your own PIP once your claim with the at-fault driver’s insurance is processed.
The minimum limit for PIP in Maryland is $2,500.
Optional Car Insurance Coverage
In addition to the required car insurance coverages in Maryland, most auto insurance companies offer optional coverage types, including:
- Collision – Helps pay for accident-related damages to your car.
- Comprehensive – Helps pay for non-accident related damages to your car.
- Towing and labor.
- Rental car.
NOTE: While Maryland law does not require it, you may be required to purchase comprehensive and collision coverage as part of a loan or lease agreement. If you neglect to purchase required coverage, it might be purchased for you (see below).
If your car is being financed and you fail to purchase collision and comprehensive coverages as per your loan agreement requirements, your lender may purchase these coverage types and charge you for them.
This is called forced-placed insurance, and it can be considerably more expensive than shopping for and purchasing car insurance on your own.
Proof of Maryland Insurance
The MVA only accepts Maryland Insurance Certification forms as proof of insurance. They will not accept an insurance card or other insurance documents.
When registering your car with the Maryland Vehicle Administration (MVA), you must submit a signed Maryland Insurance Certification (FR-19) acknowledging that you will maintain at least the minimum Maryland car insurance requirements.
The FR-19 can only be obtained through your insurance company and:
- Is valid for 30 days.
- Is free.
- Can be faxed or e-mailed to the MVA by your insurance company.
You cannot submit a photocopy of your FR-19 to the MVA.
Insurance Violations & Penalties
The MVA monitors car insurance status electronically with Maryland car insurance companies.
Your insurance carrier is required to report any cancellations or lapses in coverage to the MVA.
When the MVA is notified of any changes in your car insurance status, they will send you a request for your Maryland Insurance Certification (FR-19).
If you are found driving without insurance, you face the following penalties:
- Suspension of your:
- $150 fine for the first 30 days of not having car insurance.
- $7 fine for each additional day.
- Suspended privileges to register or renew any car until your violations are cleared.
- $25 registration restoration fee once your insurance violations have been cleared.
If you are caught providing a false proof of insurance, you face:
- 1 year of imprisonment.
- A $1000 fine.
Maryland Automobile Insurance Fund
While car insurance is mandatory in Maryland, drivers with poor driving records may have difficulty finding a car insurance company willing to provide coverage.
If you cannot find car insurance through the open market, you can apply for car insurance through the Maryland Automobile Insurance Fund (MAIF).
The Maryland legislature created the MAIF to help provide high-risk drivers with car insurance coverage. All funding comes from the premiums paid to the MAIF. No state money goes towards the MAIF.
Visit the MAIF website for more information on applying for high-risk car insurance.
Because insurance can be complex, the Maryland Insurance Administration offers consumer support to help with various car insurance issues that may arise, including:
- Resolving an insurance dispute.
- Reporting insurance fraud.
Maryland offers two avenues to assist with disputes you may have with your insurance company:
- Rapid response.
- Written complaint.
Rapid Response Program
The Rapid Response Program is meant to assist with claims as quickly as possible without requiring you to file an official complaint. For more information, call one of the following numbers:
- (410) 468-2340.
- (800) 492-6116.
To submit an official written complaint, you can:
- File online at the Maryland Insurance Administration website.
- Download a property and casualty complaint form and mail it to:
Maryland Insurance Administration
Attn: Consumer Complaint Investigation – Property/ Casualty
200 Saint Paul Place, Suite 2700
Baltimore, Maryland 21202
- Fax a property and casualty complaint form to (410) 468-2334 or (410) 468-2307.
You may also submit a written letter to the address above. Be sure to include:
- Daytime and evening phone numbers.
- Insurance information:
- Company name.
- Policy number.
- Name of any other insurance company involved in the complaint.
- A detailed explanation of the issue.
- Copies of any relevant documents.
Car Insurance Fraud
Car insurance companies spend a large sum of money dealing with insurance fraud. Those costs get passed down to you through increases in your premium.
Car insurance fraud often involves:
- Staging car accidents.
- Falsifying or exaggerating:
- Property damage.
To help fight car insurance fraud and help keep premiums low, you can report suspected fraud to the Maryland Insurance Administration by:
- Calling (800) 846-4069.
- Completing a consumer fraud referral form and submitting it:
- By fax: (410) 347-5350.
- By mail:
Maryland Insurance Administration
200 St. Paul Place, Suite 2700
Baltimore, MD 21202
The MIA allows you to report insurance fraud anonymously.
The MIA provides a complete Consumer Guide to Insurance Fraud for anyone looking for more detailed information on this topic.
Determining Your MD Car Insurance Rates
Several factors go into determining the cost of your car insurance premium in Maryland.
When shopping for auto insurance, remember that most Maryland car insurance companies will factor in the following to determine your rates:
- Your car’s:
- Driving record.
- Marital status.
- Credit history.
- Your out-of-pocket expenses towards a claim.
- The higher your deductible, the lower your premium.
MD Insurance Discounts
Taking advantage of discounts is a great way to save on car insurance. When comparing car insurance quotes, ask about any discounts you can apply towards your premium.
Most Maryland car insurance companies offer the following discounts:
- Multi-car discount.
- Homeowner’s discount.
- Good student discount.
- Safety device discount.
- Anti-theft device discount.
While discounts can help you obtain low car insurance rates, the best way to save on car insurance is to maintain a good driving record that reflects safe and violation-free driving.Choose a State:
Find Auto Insurance in Maryland
- New Hampshire
- New Jersey
- New Mexico
- New York
- North Carolina
- North Dakota
- Rhode Island
Insurance Resource Center
- Shop For Insurance Online
Auto Insurance Center
- Auto Insurance Policy Basics
- Buying Car Insurance Basics
- Buying Car Insurance For Teens
- Teen Guide To Car Insurance
- How To Get Car Insurance Coverage With A Learners Permit
- First Time Drivers Guide To Car Insurance
- How To Save Money On Teen Car Insurance
- Common Driving Mistakes Teens Make
- Safe Driving Tips For Teenage Drivers
- Safe Cars For Teen Drivers
- How To Add Teens To Your Auto Insurance Policy
- Insuring My Teen Driver: FAQs
- Tips for Car Insurance Policy Holders
- Buying Car Insurance For Seniors
- Senior Guide To Car Insurance
- Auto Insurance Coverages
- Extended Insurance Coverage Guide
- How To Get The Most Out Of Your Auto Insurance Coverage
- When To Buy Rental Car Insurance
- How To Cover Vandalism Through Car Insurance
- How To Cover Auto Theft Through Car Insurance
- How To Cover Windshield Repair Through Car Insurance
- How To Cover Accidents With Wildlife Through Car Insurance
- How To Cover Lost Wages Through Car Insurance
- How To Cover Medical Expenses Through Car Insurance
- How To Cover Pet Injuries Through Car Insurance
- How To Avoid Auto Insurance Non Renewal
- DUI Costs and Car Insurance
Commercial Auto Insurance
- Commercial Auto Insurance Requirements
- Commercial Auto Insurance State Requirements
- Federal Motor Carrier Insurance
- CDL Federal Requirements
- Commercial Insurance Filing
- State Commercial Insurance Filings
- Federal Truck Filings
- Intrastate Truck Filings
- Interstate Transportation Filings
- Certificate Of Insurance
- Uniform Carrier Registration Plan
- Types Of Commercial Auto Insurance
- Commercial Vehicle Insurance Discounts
- Multiple Policy Discount For Commercial Vehicles
- Paid In Full Commercial Vehicle Insurance Discount
- Commercial Business Experience Discount
- Commercial Auto Insurance Quotes
- Commercial Auto Insurance Articles
- Who Needs Commercial Auto Insurance
- Types Of Commercial Vehicles To Insure
- How To Save Money On Commercial Auto Insurance
- What You Need For A Commercial Insurance Quote
- Types Of Business Vehicle Insurance
- How To Compare Commercial Insurance Quotes
- How To Get The Most Out Of Your Commercial Auto Insurance Coverage
- Types Of Commercial Trailers To Insure
- Maryland Commercial Auto Insurance
- Motorcycle Insurance Minimum Requirements
- Types Of Motorcycle Coverage
- Accessory Coverage For Motorcycles
- Comprehensive Physical Damage Insurance For Motorcycles
- Collision Insurance For Motorcycles
- Bodily Injury Liability Insurance For Motorcycles
- Property Damage Liability Insurance For Motorcycles
- Medical Payments Insurance For Motorcycle Riders
- Personal Injury Protection Insurance For Motorcyclists
- Uninsured Motorist Coverage For Motorcyclists
- Underinsured Motorist Coverage For Motorcyclists
- Motorcycle Roadside Assistance
- Motorcycle Insurance Quotes
- Motorcycle Insurance Rates
- Motorcycle Insurance Discounts
- Motorcycle Insurance Articles
- Motocross Insurance
- Dirt Bike Insurance
- Moped Insurance
- Trike Insurance
- Scooter Insurance
- Maryland Motorcycle Insurance
Auto Insurance Policy Basics
- Auto Insurance Deductible
- Auto Insurance Limit
- Auto Insurance Premium
- Auto Insurance Quote
- Auto Insurance Rates
- Motor Vehicle Report
- Proof Of Financial Responsibility
- Auto Insurance Endorsement
- Auto Insurance Exclusion
- Auto Insurance Rating
- Auto Insurance Code
- Auto Insurance Discounts
- How To Obtain Proof Of Insurance
- How To Change Auto Insurance Providers
- Factors That Affect Insurance Rates
- How To Cancel An Auto Insurance Policy
- Six Common Car Insurance Myths
- Penalties For Driving Without Insurance
- No-Fault Insurance and Fault Insurance
- Car Insurance Quotes vs. Calculators
- Car Insurance FAQs
- Car Insurance Statute of Limitations
- Why Car Insurance Rates Go Up After Accidents
- When An Accident Happens
- Accident Loss
- Auto Accident Payment Recovery
- Total Loss
- Proof of Loss
- Actual Cash Value
- Lost Wages
- Salvage Vehicles
- How To File An Accident Report With The Police
- Evaluating Personal Injury In Auto Accidents
- First Steps Following A Personal Injury Auto Accident
- When To Seek Medical Attention For Personal Injury
- Protection Against Auto Insurance Fraud
- How To Handle Staged Car Accidents
- Types of Insurance Claims
- Bodily Injury Claims
- Property Damage Claims
- Windshield Claims
- Third Party Insurance Claims
- About Car Insurance Claims
- How Car Insurance Claims Affect Your Auto Insurance Policy
- When To Cover Personal Injury With Auto Insurance
- How Much Personal Injury Protection To Buy
- Supplementing Health Insurance With Personal Injury Protection
- Pain And Suffering In Personal Injury Claims
- Statute Of Limitations And Personal Injury
- Negligence And Determining Legal Liability
- Auto Insurance Claim Settlements
- Auto Insurance Settlements Involving Personal Injury
- Proving Fault In An Auto Accident Personal Injury Case
- Compensation For Auto Accident Personal Injury Claims
- Tips For Settling A Motor Vehicle Accident Claim
- Factors That Affect Compensation In Personal Injury Claims
- Legal Representation For Insurance Claims
- When To Hire A Personal Injury Attorney
- When To Hire A Lawyer
- Personal Injury Attorney Fees
- How To Choose Personal Injury Lawyers
- Benefits of Hiring A Personal Injury Attorney
- What To Submit To A Personal Injury Attorney
- Processing Car Insurance Claims
- How Car Insurance Companies Handle Claims
- How Car Insurance Companies Investigate Accident Claims
- How To Document Auto Accident Damage
- When To Report An Auto Accident To The DMV
- Tips On Documenting Personal Injury Expenses
- Paying Medical Bills Before Receiving Personal Injury Compensation
- Wage Loss In Personal Injury Auto Accident Cases
- How To File A Loss Of Wages Auto Claim
- Stages Of A Personal Injury Case
- Filing Car Insurance Claims
- Damaging Your Own Property and Car Insurance Coverage
- Fraud and Theft
- Old Cars: Popular Targets of Theft
- Car Insurance Fraud 101
- Car Theft Prevention
- Most Stolen Cars and Other Vehicles
- Cities With the Highest Car Theft Rates