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. These are among the lowest minimums in the US.
Driving without insurance in Maryland can result in a $500-$1,000 fine, license suspension for up to one year, and vehicle registration suspension. If you cause an accident without insurance, you are personally liable for all damages.
Maryland is a fault state, meaning the at-fault driver pays damages. Having proper insurance protects you legally and financially.
Can Immigrants Get a License in Maryland?
Maryland does NOT currently issue driver licenses to undocumented immigrants. You must have proof of legal residency or work authorization to get a Maryland license.
If you have a work visa, employment authorization document (EAD), or permanent residency, you can apply at any Maryland MVA office with your passport and proof of Maryland residency (utility bill, lease, bank statement).
If you cannot get a Maryland license, you may still purchase car insurance using an ITIN (Individual Taxpayer Identification Number) from the IRS. Visit https://www.irs.gov/individuals/individual-taxpayer-identification-number to apply.
Some neighboring states like Virginia allow licenses for undocumented immigrants. Check if that option works for your situation, but Maryland insurance will still require a valid license to register your vehicle here.
Best Insurance Options for Immigrants in Maryland
Many major insurers in Maryland accept ITIN numbers instead of SSN: Nationwide, Bristol West, FedNat, and some regional carriers. You can get quotes from multiple insurers to compare rates without needing an SSN.
You will need: a valid driver license (or work permit with ID number if available), proof of residency in Maryland, vehicle identification number (VIN), and your ITIN. Some companies ask for driving history; if you have none in the US, explain this clearly.
Online quote tools are fastest. Call Spanish-speaking representatives if you need language support—most large insurers offer this.
Your insurance company is NOT connected to immigration enforcement. The Gramm-Leach-Bliley Act protects your personal data. They will not share your information with ICE or any government immigration agency.
Tips for Immigrant Drivers in Maryland
Keep proof of insurance (card or app) in your car at all times. Maryland police will ask for it during traffic stops. Not having it can result in a fine, even if you are insured.
If you are pulled over and lack a Maryland license due to immigration status, stay calm and polite. You have the right to remain silent and ask for a lawyer. Do not sign anything or answer questions about where you were born or immigration status.
Maryland has a program called the Maryland Vehicle Emissions Program (VEP). Annual emissions testing is required; some low-income drivers may qualify for fee waivers through community organizations.
Contact Maryland Legal Aid (1-410-951-7777) if you face legal issues related to driving. Many immigrant advocacy groups in Baltimore and other cities offer free legal consultations.
| Coverage Type | Minimum Required | Notes |
|---|---|---|
| Bodily Injury (per person) | $12,500 | Maryland state minimum |
| Bodily Injury (per accident) | $25,000 | Total per accident |
| Property Damage | $15,000 | Covers other vehicle/property |
| Uninsured Motorist (per person) | $12,500 | Highly recommended |
| Uninsured Motorist (per accident) | $25,000 | Protects you if hit by uninsured |
| Medical Payments (PIP) | Optional | But strongly encouraged |
📋 Official Sources
Frequently Asked Questions
Yes. Use an ITIN (Individual Taxpayer Identification Number) instead. Maryland insurers accept ITINs. Insurance companies do not report you to ICE. Get your ITIN at https://www.irs.gov/individuals/individual-taxpayer-identification-number
No. Maryland does not issue licenses to undocumented immigrants. You need proof of legal presence. Check Maryland DMV for current requirements at https://www.dmv.state.gov
Maryland requires: 30/60/15 liability (bodily injury and property damage). This means 30k per person, 60k per accident, 15k property damage.
State Farm, GEICO, Allstate, Progressive, and Nationwide work with ITINs and foreign licenses in Maryland. Rates vary. Get quotes from multiple companies.
Yes, temporarily. Maryland accepts valid foreign licenses for up to one year. After that you need a Maryland license. Insurance companies accept foreign licenses with an ITIN.
