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About Car Insurance Maryland

Car insurance is required by Maryland state law, no driver is legally allowed on the roads without auto insurance.

Maryland Auto Insurance Fund provides auto insurance to all residents of Maryland regardless of their driving history or what type of vehicle you drive. All vehicles on the road must be covered with minimum coverage according to Maryland state law or drivers face penalties and potential suspension.

Maryland Auto Insurance provides the option of liability coverage, comprehensive and collision coverage. While the last two may not be considered necessary, when someone who drives an old vehicle 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 and make sure that you drive away with the right policy and the necessary coverage for Maryland requirements.

Our experienced team of MAIF agents has a comprehensive knowledge of Maryland State Insurance Laws helping to personalize insurance plans to fit your needs and budget. Our Maryland Auto Insurance providers are committed to helping our clients find auto insurance that works for them.

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Minimum 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 MAIF agent can help you determine which insurance policy will properly cover your type of vehicle.

Whether you are looking for a new insurance provider, or have been dropped by your old insurance company, your Maryland Auto Insurance Provider is here to find you the insurance you need and want. We will cover you, guaranteed.

What is Liability Insurance?

Liability insurance protects you, should you damage other people or property in an accident.

What is Uninsured Motorist Coverage?
Uninsured motorist coverage is coverage you purchase to protect yourself in the case that you are involved in an accident with an uninsured driver, or in a hit-and-run scenario. This coverage will provide help with sustained losses.

What is Personal Injury Protection?

Also referred to as PIP, personal injury protection provides reimbursement for medical expenses, loss of income, or funeral expenses associated with an accident. In Maryland, drivers may choose to forgo PIP to save on their premium costs.

What is Collision Coverage?

Collision coverage covers your vehicle in the event of an accident. Drivers with an outstanding car loan are required to have this type of insurance to protect the loan company.

What is Comprehensive Coverage?

Comprehensive coverage protects vehicles from weather, fire, animals, and theft. Drivers with an outstanding car loan are required to have this type of insurance to protect the loan company.


Uninsured drivers in Maryland are subject to suspension of license, fees, or removal of the privilege to register future vehicles. If you are having difficulty finding insurance through other providers, contact MAIF. Maryland Auto Insurance Provider agents are here to help all Maryland drivers find insurance that fits their budget and their car insurance needs.

Penalties for Driving Uninsured in MD Include:

  • Loss of license plates and/or vehicle registration
  • Fines in the amount of $150 for the first 30 days and $7 per day thereafter
  • Vehicle registration reinstatement fee of $25
  • Inability to register future vehicles or renew registration(s) until violation is clear

If you have been dropped by your previous auto insurance company, or are having difficulty finding an insurance company to meet your needs, contact MAIF, we have you covered.

Our MAIF agents work with customers to find a payment plan that fits their monthly budget so that they remain properly insured, avoid fees and stay on the road.  If you are having difficulty paying for auto insurance ask your MAIF agent about our interest-free installment plan.

We also offer discounts for payment in full and financing options.