Maryland Car Insurance Requirements


auto insurance maryland attorneyAll Maryland drivers must meet the state mandatory minimum auto insurance requirement or risk facing a criminal charge and license suspension. Drivers must have proof of this basic insurance coverage before they can even register a vehicle. If you’re new to Maryland or are a new driver in the state, it’s crucial to obtain and understand the necessary coverage. Without it, you could face serious penalties.


Maryland residents must obtain the following coverage to meet the state’s legal auto insurance requirements. Note that these are the minimum requirements; drivers may choose additional coverage to suit their needs.

  • Bodily Injury Liability Coverage
    • The state requires a minimum of $30,000 per person and $60,000 per accident
  • Property Damage Liability Coverage
    • The state requires a minimum of $15,000
  • Uninsured Motorist Bodily Injury Coverage
    • The state requires a minimum of $30,000 per person and $60,000 per accident
  • Uninsured Motorist Property Damage Coverage
    • The state requires a minimum of $15,000

What do all of these coverages protect? These insurance requirements provide financial relief to the parties injured in a vehicle accident or those who have had their vehicles damaged in an auto accident. Having auto insurance also protects drivers involved in a crash from those who lack insurance.


Bodily Injury Liability Coverage

Bodily injury liability coverage helps pay for another party’s accident-related expenses in the event that you are at fault for an auto accident. This type of coverage will provide for a portion of the other party’s short- and long-term accident-related costs, such as:

  • Medical bills
  • Lost wages
  • Legal fees
  • Funeral costs

Property Damage Liability Coverage

This type of coverage helps pay for any damage caused to the other driver and their care when you cause a crash. This does not provide for repairs to your own vehicle.

Uninsured Motorist Coverage

Insurance coverage for uninsured motorists protects you when the at-fault driver fails to carry Bodily Injury Liability or Property Damage Liability Coverage. Your insurance policy should cover some or all accident-related costs you incur when the at-fault driver cannot do so.


Before you may register a vehicle in Maryland, you need to prove to the state that you have acquired the necessary car insurance. You will also need to pass a state inspection called the Maryland Vehicle Safety Inspection. You will receive a Maryland Inspection Certificate upon passing the inspection, which guarantees to the state that your car meets the state’s safety standards.

Additionally, you may also need to pass the state’s Vehicle Emissions Inspection Program (VEIP). This program tests your car to ensure it is being properly maintained in accordance with the manufacturer’s recommendation and thus is in line with the state’s mission of clean air and water.

Driving without vehicle registration is also a serious traffic violation. The Maryland Transportation Code states that it is a criminal misdemeanor offense to drive an unregistered car. If you face a charge of driving without insurance and failing to register a vehicle, you need a competent traffic attorney on your side who can help you understand what you may face long-term as a result of these charges and defend you in court.


Driving without auto insurance is a serious traffic charge which may lead to steep fines and the suspension of a Maryland driver’s license in addition to possible jail time. The best way to reduce the charges against you and the penalties you might endure upon a conviction is to enlist the service of a local Baltimore traffic lawyer.

Attorney Hillel Traub serves Baltimore and surrounding areas and has done so for 20 years. He defends traffic charges throughout Maryland, including driving without car insurance. As a former Assistant Attorney General for the Maryland MVA, he can bring valuable insight to your case. Contact The Law Office of Hillel Traub for a free consultation by calling (410) 580-1100 or completing our contact form.


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