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About Car Insurance Maryland

Maryland state law requires all drivers to have car insurance.

My MD Auto Insurance provides cheap car insurance to all drivers in Maryland. It does not matter what their driving history is like or what type of vehicle they drive. According to Maryland state law, all vehicles on the road must have minimum coverage. Drivers face penalties and potential suspension of their license if they do not comply.

MAIF car insurance provides the option of liability coverage, comprehensive and collision coverage. The last two may not be important if you drive an old car. However, a bank or other lender may require them if there is an outstanding loan on the vehicle. Our agents will work with you to evaluate your personal needs. They will make sure that you drive away with the right policy and the necessary coverage for Maryland requirements.

The experienced team of My MD Auto agents has the complete knowledge of Maryland State Insurance Laws. This will help you get the personalize insurance plan that will fit your needs and budget. Our My MD Auto Insurance providers are committed to helping our clients find auto insurance that works for them. To hear from some of our happy customers, see Testimonials.

What is mandatory vehicle insurance?

Mandatory vehicle insurance is a type of auto insurance. It typically applies to companies or individuals who use their vehicle for business purposes, or required by law. No driver is legally allowed on the roads without auto insurance in Maryland. Even though law vary by state, this is pretty typical for most states. Uninsured motorists or underinsured motorists will be penalized in just about every state especially if they lack liability coverage.

The person who has mandatory vehicle insurance has coverage for incidents that happen with the use of their own car. For example, any bodily injury or property damage caused during an accident. The person with mandatory vehicle insurance will also have coverage for liability. Meaning if they are responsible for causing an accident, they will be responsible for paying damages to any parties involved.

Mandatory automobile insurance includes protection against collisions, vandalism, theft, medical expenses of passengers in your car (even if you are not at fault in an accident), and more.

MAIF insurance

Minimum MAIF Insurance Requirements in Maryland

Maryland requires drivers to have a minimum coverage of 30/60/15:

  • $30,000 for bodily injury per person
  • $60,000 for bodily injury for two or more people
  • $15,000 for property damage


Maryland Auto Insurance offers affordable insurance rates and full coverage for cars, trucks, motorcycles, and RVs. Your My MD Auto agent can help you find which insurance policy will properly cover your type of vehicle. We offer the state minimums on our car insurance rates. Call us today to learn more about our care insurance coverage and who is eligible.

Contact us if you are looking for a new insurance provider! Your Maryland Auto Insurance Provider is here to find you the insurance you need and want. We will cover you, guaranteed. We can even help you find auto insurance rates for your teen drivers and provide you with title and tag services.

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