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Maryland Car Insurance Laws

Auto insurance laws vary from state to state, and what is required in one state may not be required in another so it is important to know the regulations in Maryland. The penalties and fines for not having proper insurance can be expensive so make sure you know what is required in Maryland.

MD Auto Insurance Laws and Regulations:

Maryland Insurance Admin.
525 Saint Paul Place
Baltimore, MD 21202

Minimum Car Insurance Coverage in MD:

$20,000 for injury/death to one person

$40,000 for injury to more than one person

$15,000 for damage to property

MD Insurance is Not Required on:

Off-highway vehicles

Non-registered nonoperational vehicles


MD Uninsured Penalties:

Your registration is revoked and you are asked to return the license plates on your vehicle. Not doing so can result in hefty fines and the possibility of some jail time.

If your accidently insurance slips, you need to rectify the matter immediately. If you don't, you will be fined $150 for the first 30 days and then $7 for each day after that. Plus, your registration is gone and there will be a reinstatement fee when you get matters back in order.

Lose of license plates and vehicle registration privileges. - Pay a restoration fee of up to $25 for a vehicle's registration. - Have license plates confiscated by an authorized tag recovery agent, once registration suspension is in effect.

Pay uninsured motorist penalty fees for each lapse of insurance - $150 for the first 30 days, $7 for each date thereafter. - Be prohibited from registering any future vehicles until all insurance violations are cleared. - Pay a fine of up to $1,000 and/or 1 year imprisonment if provided false evidence of insurance.


MD Department of Insurance Contact Information:

1-410-468-2000 or
Toll Free: 1-800-492-6116

MD State Insurance Department Website:





Directory of Maryland Auto Insurance Agents by County

Allegany
Anne Arundel
Baltimore
Baltimore City
Calvert
Caroline
Carroll
Cecil
Charles
Dorchester
Frederick
Garrett
Harford
Howard
Kent
Montgomery
Prince Georges
Queen Annes
Saint Marys
Somerset
Talbot
Washington
Wicomico
Worcester

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