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Maryland Car Insurance Requirements
So What is the Mandatory Car Insurance Law?
Maryland's Required Minimum Limits:
Liability Coverage (mandatory):
Uninsured / Underinsured Motorist (optional):
Collision (optional): Covers damage to your car that results from a collision with another car or object, subject to a deductible.
Proof of Insurance
Penalties for Uninsured Vehicle Owners:
Note: These penalties are in addition to any fines or penalties imposed by a court of law.
Any time you request, the insurance company will provide you proof for each car covered under your policy and if you purchase your insurance from InstantCarInsurance.com or from Ensurance.com you can also print your ID cards instantly online, anytime of day, for free.
The insurance ID card includes the name of the car insurance company, the insurance policy number, and the insurance policy effective and expiration dates. It also includes a description of the insured car(s) and usually the name(s) of the First Named Driver on the policy.
Maryland has mandatory financial responsibility laws that are easily satisfied through buying car insurance from a licensed Maryland Insurance Company or agent. All registered cars and trucks are required to have minimum liability coverage, although InstantCarInsurance.com recommends that you buy higher limits and additional types of coverage as you can afford.
Proof of Insurance - Frequently-Asked Questions:
Why must I provide proof of insurance?
The law protects the public and helps reduce insurance costs by identifying Uninsured Motorists and keeping them off the roads.
What is meant by proof of insurance? How do I provide it?
When the MVA requests a proof of insurance, a Maryland Insurance Certification (FR-19) is the only acceptable form of verification. The ID card and actual policy are not acceptable.
Maryland Insurance Certification: (FR-19)
Where can I find a licensed Maryland Auto Insurance Company?
To Change Insurance Information on MVA Records:
How to Find the Best Auto Insurance Rates in Maryland?
Just remember, the State of Maryland requires minimum car insurance limits of 20/40/15 as long as you have a valid Maryland car registration. Keep this in mind when shopping for basic coverage and evaluate it against car insurance quotes with higher coverage limits for a little more money. Cheap car insurance is not always the best car insurance.
The Maryland Department or Transportation recommends the following tips for lowering your auto insurance bill:
Shopping for Personal Automobile Insurance
Tips For Lowering Your Premium
For parents of teen-aged drivers: If your teenagers donít own cars, name them on your policy as occasional operators of your least expensive cars. They may be named as an occasional driver if they donít drive to and from school or work. If they do own cars, cover them under your policy. This would also qualify you for a multi-car discount. It is important that you report actual driving habits to the company. Itís not uncommon to have juveniles automatically assigned to your most expensive car.
Check into discounts for a driverís education course or good academic record. If the young driver goes to school more than 150 miles awayówithout a caróanother discount may apply.
Young singles on their own: Avoid high performance or ďturbo cars.Ē A turbo engine can add more than 15 percent to your premium.
Older people: Take a defensive-driving course thatís approved by the State Board of Education or National Safety Council. You may earn a 5 to 15 percent discount off your premium. Call our Consumer Assistance Toll-free Hot Line.
Ask About Discounts
One last tip: Shop, and shop often! Why? Most people do not realize that insurance companies change rates continuously and typically repost new rates twice monthly. Therefore we recommend returning and re-rating your cars on the 1st and the 16th of each month just to be sure you are still getting the best deal and the rock-bottom, lowest, cheapest price you can for car insurance! Why not? Itís free.
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