Frequently Asked Questions

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Frequently Asked Questions

Can I keep the car insurance I have from my previous state of residence?

You are required to maintain minimum car liability coverage in the state you reside in. If you are moving to Maryland, you will need to register your vehicle and apply for car insurance in the state. You will not be able to apply for car registration if you are unable to provide proof of vehicle insurance.

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Do I need to cancel my insurance if I am moving to another state?

If you are relocating to a different state, you will be required to get car insurance in your new location. To find out what the minimum vehicle liability coverage is of where you will be moving to, contact the DMV of your new state. Have your drivers license information and vehicle description on hand to get accurate details.

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How can I avoid a license suspension if I choose not to insure my vehicle?

In order to not have your Maryland drivers license suspended, you must maintain the minimum car insurance requirements, which covers bodily injury and property damage. You can show proof of auto insurance by presenting the MVA with a Maryland Insurance Certification. No other proof of car insurance, such as an insurance card, will be accepted.

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If I have been in an accident, what property damage do I have to report?

If involved in a car accident, Maryland does not require drivers to report any property damage unless it results in injury or death. Nonetheless, you must maintain the minimum amounts of Maryland auto insurance. If your vehicle does not have insurance, you may have your drivers license suspended and be issued a fine.

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If I live outside of the state for half the year, am I still required to have car insurance?

If you have your car registered in the state of Maryland, then you will be required to maintain the minimum vehicle liability insurance coverage. The requirements are as follows:

  • $30,000 for bodily injury per person
  • $60,000 bodily injury for two or more people
  • $15,000 for property damage

When registering your vehicle, you must present a Maryland Insurance Certification as proof of insurance. This is the only acceptable proof of car insurance in the state.

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What is the minimum liability insurance coverage?

If you are a resident of Maryland, you will be required to maintain the following minimum insurance for car requirements:

  • $30,000 for bodily injury per person
  • $60,000 bodily injury for two or more people
  • $15,000 for property damage

When you are in the process of registering your vehicle or renewing your registration, you will need to provide your signature for an insurance certification. With this signature, you must hold the minimum insurance.

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What proof of insurance can I provide when registering my car?

If you are registering your vehicle for the first time, you will be required to sign an insurance certification confirming your car insurance. The Maryland MVA does not accept other proofs of insurance, such as a car insurance card. Make sure to also have your current Maryland drivers license on hand when applying for vehicle registration.

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What type of car insurance am I required to have?

The state of Maryland requires drivers to hold the minimum types of car insurance:

  • Bodily injury
  • Property damage

You must maintain the minimum vehicle insurance in order to avoid any penalties or fees.

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What will happen if I fail to get or keep car insurance?

It is imperative that you maintain the minimum vehicle insurance amounts in the state of Maryland. Failure to do so may result in the suspension of your drivers license, as well as high fines and other penalties. When registering your vehicle, bring proof of MD vehicle insurance with you to present at your local MVA office.

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Which types of vehicles need to be insured?

Most vehicles in the state of Maryland must be insured, including but not limited to the following:

  • Passenger vehicles
  • Vans
  • Trucks
  • Limousines
  • Commercial vehicles
  • Motorcycles

If you are unsure whether or not your vehicle requires insurance, contact the Maryland Department of Transportation Motor Vehicle Administration at 1-410-768-7000.

For more information: Maryland Auto Insurance Get a Quote and Save