Home / Minimum Car Insurance Requirements by State / Maryland
Maryland Minimum Car Insurance and Penalties for Driving Without It
The short answer
Maryland requires liability insurance of at least $30,000 per person and $60,000 per accident for injuries, and $15,000 for property damage (30/60/15). Other required coverage: PIP $2,500, UM.
Maryland at a glance
| Minimum liability | $30,000 per person and $60,000 per accident for injuries, and $15,000 for property damage (30/60/15) |
|---|---|
| Other required coverage | Personal injury protection (PIP) of up to $2,500 is included unless you waive or reject it, and uninsured motorist coverage at least equal to the liability minimums is required. |
| First offense for driving uninsured | Driving without insurance is a crime punishable by up to 1 year in jail, a fine of up to $1,000, or both. Your registration is suspended from the lapse date until insurance is replaced and the uninsured penalty is paid: $200 per vehicle for the first 1 to 30 days, then $7 per day from day 31, up to $3,500 per violation in a 12-month period. |
| Repeat offense | A second or later offense carries up to 2 years in jail, a fine of up to $1,000, or both. |
| Fee to restore after a lapse | There is no separate restoration fee: you must pay the uninsured penalty ($200 for days 1 to 30, then $7 per day, up to $3,500 in 12 months) to lift the registration suspension. Unpaid penalties sent to Central Collections get an extra 17%. |
Penalties depend on the court and your record; your citation or notice decides what applies to you.
FAQ
What is the minimum car insurance in Maryland?
Maryland requires liability insurance of at least $30,000 per person and $60,000 per accident for injuries, and $15,000 for property damage (30/60/15). Other required coverage: PIP $2,500, UM.
What happens if you drive without insurance in Maryland?
Driving without insurance is a crime punishable by up to 1 year in jail, a fine of up to $1,000, or both. Your registration is suspended from the lapse date until insurance is replaced and the uninsured penalty is paid: $200 per vehicle for the first 1 to 30 days, then $7 per day from day 31, up to $3,500 per violation in a 12-month period.