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. Uninsured motorist coverage is also mandatory.
Driving without insurance in Maryland can result in fines up to $1,000, license suspension, and registration cancellation. A second offense within three years increases penalties significantly.
Can Immigrants Get a License in Maryland?
Maryland does NOT issue driver licenses to undocumented immigrants. You must prove legal presence with a valid passport, visa, or other federal immigration document.
If you have ITIN or are authorized to work, you can apply at any Maryland MVA office with proof of Maryland residency (utility bill, lease, bank statement) and your ITIN as identification.
Best Insurance Options for Immigrants in Maryland
Most major insurers in Maryland accept ITIN numbers instead of SSN for policy holders. State Farm, Geico, Allstate, and local insurers like USAA often quote drivers with ITIN.
Get quotes from multiple companies because rates vary widely. No insurance company reports customer information to ICE. Your policy data is protected by the Gramm-Leach-Bliley Act.
Tips for Immigrant Drivers in Maryland
Keep your policy documents and ID card in your vehicle at all times. Maryland police can suspend your license immediately if you cannot show proof of insurance during a traffic stop.
If you received a license before Maryland changed its rules, your current license remains valid. Contact the Maryland MVA at 410-787-7758 for immigration-related questions about licensing.
| Coverage Type | Minimum Required | Notes |
|---|---|---|
| Bodily Injury (per person) | $20,000 | Maryland law requirement |
| Bodily Injury (per accident) | $40,000 | Maryland law requirement |
| Property Damage | $15,000 | Maryland law requirement |
| Uninsured Motorist (BI per person) | $20,000 | Required in Maryland |
| Uninsured Motorist (BI per accident) | $40,000 | Required in Maryland |
| Uninsured Motorist (PD) | $15,000 | Required in Maryland |
| Medical Payments | Optional | Not required by law |
📋 Official Sources
Frequently Asked Questions
Yes. Use an ITIN (Individual Taxpayer Identification Number) instead. Most Maryland insurers accept ITIN as proof of identity. Get your ITIN from the IRS at https://www.irs.gov/individuals/individual-taxpayer-identification-number
No. Maryland does not issue driver licenses to undocumented immigrants. You need proof of legal presence. Check Maryland DMV for current ID requirements at https://www.dmv.state.gov
Maryland requires: 30/60/15 liability (30k bodily injury per person, 60k per accident, 15k property damage). You must carry proof of insurance at all times while driving.
State Farm, Geico, Allstate, and Progressive work with ITIN holders. Rates vary widely. Get quotes from multiple companies. Some specialize in high-risk drivers. Call directly and ask about ITIN policies.
No. Maryland requires a valid Maryland driver license or learner permit to get insured. A foreign license alone is not enough. Get a Maryland license first, then apply for insurance.
No. Insurance companies are not immigration enforcement. Federal law (Gramm-Leach-Bliley Act) protects your personal information. Buying insurance does not alert ICE.
Proof of identity (ITIN, passport, foreign ID), proof of Maryland residence (utility bill, lease), driving history if available, and vehicle information (VIN, make, model, year).
Very difficult. Most insurers require a valid driver license. A few may insure with learner permit. Contact insurers directly. Without any license, you likely cannot legally drive in Maryland.
No. Insurance companies ask about driving history and accidents, not immigration status. Your immigration information is private and protected by law.
Maryland insurers may charge more or require proof of defensive driving course. Some offer high-risk or new driver programs. Get quotes from multiple companies—rates vary significantly.