Maryland Minimum Car Insurance Requirements
Maryland requires all drivers to carry liability insurance: $30,000 bodily injury per person, $65,000 per accident, and $15,000 property damage (30/65/15).
Driving without insurance in Maryland can result in fines up to $500, license suspension, and vehicle registration cancellation.
These minimums are mandatory whether you have an SSN, ITIN, or are undocumented.
Can Immigrants Get a License in Maryland?
Maryland does NOT currently issue driver licenses to undocumented immigrants. You must have legal status or a visa to get a Maryland license.
If you have a valid foreign driver license, you may be able to use it temporarily, but you cannot legally drive long-term without a US or Maryland license.
Check with Maryland Motor Vehicle Administration (MVA) for current policies: mva.maryland.gov.
Best Insurance Options for Immigrants in Maryland
Many major insurers in Maryland accept ITIN numbers instead of SSN: Allstate, State Farm, Geico, and Progressive offer quotes with ITIN.
Call insurers directly and ask: "Do you accept ITIN for Maryland car insurance?" This avoids confusing online forms.
Buying insurance does NOT report you to ICE. Insurance companies are NOT immigration enforcement and cannot share your information with authorities.
Tips for Immigrant Drivers in Maryland
If you have a valid foreign license, carry it with your insurance card at all times. Maryland police recognize some international licenses.
Get an ITIN from the IRS if you do not have an SSN: https://www.irs.gov/individuals/individual-taxpayer-identification-number.
Keep proof of residency (utility bill, lease, or mail) ready when buying insurance in Maryland.
| Coverage Type | Minimum Required | Notes |
|---|---|---|
| Bodily Injury (per person) | $15,000 | Maryland state minimum |
| Bodily Injury (per accident) | $30,000 | Maryland state minimum |
| Property Damage | $10,000 | Maryland state minimum |
| Uninsured Motorist (BI) | $15,000 per person | Required in Maryland |
| Uninsured Motorist (Accident) | $30,000 per accident | Required in Maryland |
| Medical Payments (PIP) | Optional | No-fault state; PIP not required |
Frequently Asked Questions
Yes. Maryland insurers accept ITIN (Individual Taxpayer Identification Number) instead of SSN. You can get an ITIN from the IRS at https://www.irs.gov/individuals/individual-taxpayer-identification-number. Some companies also accept foreign ID or passport.
No. Maryland does not issue driver licenses to undocumented immigrants. You must have legal residency or valid visa. Check Maryland DMV for current requirements at https://www.dmv.state.gov
Maryland requires: 30,000 USD bodily injury per person, 65,000 USD total per accident, 15,000 USD property damage. You must carry proof in your car at all times.
State Farm, GEICO, Allstate, Progressive, and Nationwide accept ITIN and alternative IDs in Maryland. Call for quotes. Rates vary by age, driving record, and coverage type.
Foreign licenses alone do not satisfy Maryland driving requirements. You need a Maryland license. However, some insurers accept foreign license as ID for a quote. You still need legal status to get a Maryland license.
Yes. Insurance companies are NOT immigration enforcement. Your information is protected by the Gramm-Leach-Bliley Act. Buying insurance does NOT give ICE your data or increase deportation risk.
You cannot legally drive in Maryland without a license. If undocumented, you cannot get one. Consider ride-share, public transit, or consulting an immigration attorney about your options.
No. If you used ITIN to buy insurance, use ITIN to renew. Keep your ITIN and policy number. Tell the insurer you have ITIN, not SSN.
