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Maryland Auto Insurance Requirements For Drivers

By Maryanne Goff

In the USA, each individual state is responsible for setting the requirements for vehicle owners in proving financial responsibility. Maryland auto insurance laws require every vehicle to be insured before it is registered. To register the vehicle with the state, owners must provide financial responsibility documentation.

While it is possible to prove financial responsibility by making a large deposit with the state in other locations, MD requires drivers to insure the vehicle at the minimum amounts required by state law. This is the only provision available to drivers. Without this owners are in violation of the law.

The liability coverage requirements for private vehicles are 20/40/15. This indicates coverage in thousands of dollars for bodily injury, injury to two or more persons and for property damage. In addition, the owner must purchase uninsured motorist coverage and personal injury protection, that covers accident related medical injuries to passengers in your car.

The owner may want to buy additional kinds of coverage. With financed vehicles, banks often require full coverage be in place. However, as the vehicle is paid in full and depreciates in value, the owner may want to drop the additional coverage. Vehicles valued at less than $2000 often cost more to fully insure than drivers would collect in an accident where the car was a total loss.

When drivers are younger they pay more due to their lack of driving experience. Women have fewer accidents statistically and usually have cheaper coverage than males. The company will consider the zip code where the vehicle is garaged along with the vehicle being covered in writing the policy. Drivers who have received tickets or been involved in accidents in the past three years pay more for coverage that those who have not had accidents. To compare costs, one should ask for quotes from various carriers.

To register a vehicle, the driver must include a FR-19 form with the application. The carrier will complete the form and it may be brought in person, mailed or faxed to the department of motor vehicles. If you drop the coverage the company writing the policy is required to notify the department. You must provide a new FR-19 form to prevent the assumption that you no longer are covered.

Vehicles that are not insured lead to monetary penalties. The court may issue fines in addition to the required fee of $150 for the first month a car is not covered. The owners also faces a fee of an additional $7 per day after the first 30 days without coverage. Registration for the car can also be revoked, requiring a $25 fee to reinstate. False proof of coverage can cost a driver up to $1000 in fines or a year in jail.

While vehicle owners must have Maryland auto insurance to register their vehicles, the coverage can also protect their own financial future. Homeowners in their thirties typically will want more coverage than individuals in their twenties who have fewer financial resources. Talk with an agent or financial planner in order to determine the proper amount of coverage to purchase for vehicles.

When you are looking for dependable Maryland auto insurance, visit the web pages at today. You can see details on terms and rates at now.

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Article Citation
MLA Style Citation:
Goff, Maryanne "Maryland Auto Insurance Requirements For Drivers." Maryland Auto Insurance Requirements For Drivers. 15 Apr. 2014. 2 Aug 2014 <>.

APA Style Citation:
Goff, M (2014, April 15). Maryland Auto Insurance Requirements For Drivers. Retrieved August 2, 2014, from

Chicago Style Citation:
Goff, Maryanne "Maryland Auto Insurance Requirements For Drivers"

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