Maryland Minimum Car Insurance Requirements
Maryland requires all drivers to carry liability insurance: minimum $30,000 for bodily injury per person, $65,000 per accident, and $15,000 for property damage. This is the law.
Driving without insurance in Maryland can result in license suspension, fines up to $500, and legal liability if you cause an accident. Police can check your insurance status during traffic stops.
You must carry proof of insurance in your vehicle at all times. Maryland accepts digital proof on your phone.
Can Immigrants Get a License in Maryland?
Maryland does NOT allow undocumented immigrants to get a standard driver license. You must prove legal residency or valid immigration status.
If you have a visa, work authorization, or green card, you can apply at any Maryland DMV office. You will need a passport or consular ID, proof of Maryland residence (utility bill, lease), and a Social Security Number or ITIN.
Some neighboring states like Virginia and Washington DC have different rules. Check the NCSL database for options: https://www.ncsl.org/transportation/states-that-allow-unauthorized-immigrants-to-get-a-drivers-license
Best Insurance Options for Immigrants in Maryland
Many insurers in Maryland accept ITIN numbers instead of SSN, including: GEICO, State Farm, Allstate, and Progressive. Call ahead to confirm they will write a policy for you.
You do not need a valid US driver license to get a quote or buy insurance, though you will need one to legally drive. Having a foreign license helps some insurers assess your driving history.
Insurance companies are NOT immigration enforcement. Your insurance information is protected by the Gramm-Leach-Bliley Act and will not be shared with ICE.
Get quotes from at least 3 insurers. Rates vary widely. Compare liability limits above the state minimum to protect your savings.
Tips for Immigrant Drivers in Maryland
Keep proof of insurance printed and in your car at all times. A digital copy on your phone is also acceptable to police.
If you are pulled over, stay calm and polite. You have the right to remain silent and ask for a lawyer. Cooperate with police requests for license, registration, and insurance.
Maryland has a 24-hour automated claims phone line for all insurers. You do not need to speak English if you call early to request an interpreter.
Join a local immigrant mutual aid group—many offer driving safety workshops and legal resources in Polish.
| Coverage Type | Minimum Required | Notes |
|---|---|---|
| Bodily Injury (per person) | $20,000 | Injury to one person |
| Bodily Injury (per accident) | $40,000 | Total per accident |
| Property Damage | $15,000 | Damage to others vehicle or property |
| Uninsured Motorist (Bodily Injury) | $20,000 / $40,000 | Same as BI limits - required |
| Uninsured Motorist (Property Damage) | $15,000 | Optional but recommended |
| Medical Payments (PIP) | Not required | Optional coverage available |
📋 Official Sources
Frequently Asked Questions
Tak. Wiele firm ubezpieczeniowych w Maryland zaakceptuje ITIN (numer identyfikacyjny podatnika) zamiast SSN. Podaj ITIN podczas składania wniosku. Sprawdź https://www.irs.gov/individuals/individual-taxpayer-identification-number
Nie. Maryland nie wydaje prawa jazdy osobom bez właściwego statusu imigracyjnego. Możesz jednak zarejestrować pojazd z obcym prawem jazdy. Sprawdź warunki u lokalnego dealera ubezpieczeń.
Maryland wymaga: 30000 dolarów odszkodowania za osobę, 65000 za zdarzenie, 25000 za szkody majątkowe (30/65/25). To minimum odpowiedzialności cywilnej.
State Farm, Geico, Nationwide i Progressive akceptują ITIN. Niektóre firmy specjalizują się w imigrantach. Poproś ofertę od wielu firm - stawki się różnią.
Tak, czasowo. Zagranicznego prawa jazdy możesz używać przez 60 dni. Po tym czasie musisz mieć Maryland ID lub prawo jazdy. Ubezpieczyciel zaakceptuje zagraniczne prawo w pierwszych dniach.
