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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 residents of Maryland, regardless of their driving history 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 don’t comply.

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

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

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.

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 typically 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 determine which insurance policy will properly cover your type of vehicle.

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.

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