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Who Is Eligible For MAIF?

Maryland state law requires that all drivers are properly insured. According to the Motor Vehicle Administration, all Maryland vehicles need to be properly insured at all times by a licensed vehicle insurance company in Maryland.

Whether you recently moved to Maryland or have been a resident for a few years, finding the right type of insurance is an imperative part of staying covered while you drive.

MAIF makes it possible for anyone. Our My MD Auto providers help qualified drivers find car insurance when they are unable to find it through private insurance companies. We get our customers the coverage they need to get back on the road, guaranteed.


Maryland Auto Insurance Fund (MAIF), also known as Maryland Auto,  is an authorized and independent Maryland state provider of auto insurance.

Our providers issue and underwrite auto liability insurance for Maryland drivers who are having can’t obtain or have difficulty obtaining coverage with private auto insurance companies in Maryland.

Maryland Auto Insurance Policy Requirements

Who is eligible for Maryland Auto Insurance Fund coverage?

To qualify for a Maryland Auto Insurance Fund policy you must meet the following criteria:

  • Maryland state resident
  • Licensed in the state of Maryland or have a current Maryland registration
  • Unable to obtain Maryland car insurance through two or more private carriers

Drivers who meet these stipulations will not be turned down for Maryland Auto Insurance. Regardless of your driving record or if you have had multiple offenses, Maryland Auto Insurance has you covered.

We work with drivers on an individual basis to understand their insurance needs. With the information discussion, our team can explore all possible options and help you choose the insurance that is right for you.

Do I have to show proof of my bad driving record?

Our provides will do a thorough back ground check to determine if you are eligible to use MAIF. We will ask for your driver license and make a copy to have a record of your license number. Using this, we will be able to view your driving records. Having your driving record checked is unavoidable if you want to operate a vehicle in Maryland.

Do I have to show proof that I have been dropped by another insurance company?

Most insurance companies will send you a detailed letter explaining why they can no longer offer you coverage. It is highly suggested that you keep this letter for you records and to prove that you have been dropped at least twice.

Can I be insured through MAIF if I was unable to pay for car insurance?

No, MAIF insurance is only for drivers who have been dropped at least twice from private insurance companies for all reasons except non-payment. If you were dropped from your insurance provider for not paying your bill, you are not eligible for Maryland Auto Insurance.

Determine If You Qualify For My MD Auto

Your MAIF provider will assist you in finding the right My MD Auto policy, and at the right price. We work with our customers one on one to build a car or motorcycle insurance policy that meets their personal budget and insurance coverage needs. Your Maryland auto insurance provider can help you maximize your discount options and choose a payment plan that is right for you. Get a free quote for affordable Maryland auto insurance today.

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