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. This is the legal minimum to drive legally.
Driving without insurance in Maryland can result in fines up to $500, license suspension for up to one year, and vehicle impoundment. Insurance companies are NOT immigration enforcement agencies and do not report customers to ICE.
Can Immigrants Get a License in Maryland?
Maryland does not currently issue driver licenses to undocumented immigrants. However, you can apply for a Non-Commercial ID card from the Maryland MVA using an ITIN, passport, or consulate ID, plus proof of residency.
Check https://www.mva.maryland.gov for current requirements. Some immigrants use this ID to purchase insurance even without a driver license. Contact insurers directly to ask if they accept Non-Commercial ID.
Best Insurance Options for Immigrants in Maryland
Many large insurers in Maryland accept ITIN numbers instead of SSN: State Farm, Geico, Allstate, and Progressive. Rates vary—always get multiple quotes. You do not need a driver license to buy car insurance, only to drive legally.
When getting a quote, be honest about your immigration status if asked directly. Insurance companies protect your privacy under federal law (Gramm-Leach-Bliley Act). Your information is not shared with ICE.
Tips for Immigrant Drivers in Maryland
Keep your insurance card, Non-Commercial ID (if you have one), and vehicle registration in your car at all times. If stopped by police, say clearly: "I want to exercise my right to remain silent" and ask for a lawyer before answering questions.
Maryland has immigrant legal aid organizations that can help with traffic violations. Find local resources through your state bar or community centers. Getting insurance shows responsibility and protects you financially.
| Coverage Type | Minimum Required | Notes |
|---|---|---|
| Bodily Injury (per person) | $20,000 | Maryland statutory minimum |
| Bodily Injury (per accident) | $40,000 | Maryland statutory minimum |
| Property Damage | $15,000 | Maryland statutory minimum |
| 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 | $2,500 | Optional but recommended |
| Underinsured Motorist | $20,000/$40,000 | Required in Maryland |
📋 Official Sources
Frequently Asked Questions
Có. Maryland cho phép bảo hiểm với ITIN (Individual Taxpayer Identification Number). Nhiều công ty chấp nhận ITIN thay thế cho SSN. Liên hệ trực tiếp các công ty để xác nhận. Bảo hiểm không chia sẻ thông tin với ICE.
Không. Maryland không cấp bằng lái cho người không có giấy phép hợp pháp. Bạn cần chứng minh tư cách cư trú hợp pháp. Kiểm tra Maryland DMV để biết yêu cầu tài liệu hiện tại.
Maryland yêu cầu: $30,000 trách nhiệm cá nhân, $60,000 mỗi tai nạn, $15,000 thiệt hại tài sản (30/60/15). Bạn cũng phải có bảo hiểm khỏe mạnh chưa bảo hiểm. Kiểm tra DMV Maryland để cập nhật.
State Farm, Geico, Allstate, Progressive, USAA, Acceptance Insurance chấp nhận ITIN. Rates thay đổi. Nhận báo giá từ nhiều công ty. Một số công ty nhỏ hơn cũng chấp nhận.
Có thể tạm thời (dưới 30 ngày). Nhưng bảo hiểm Maryland yêu cầu bằng lái Maryland sau đó. Bạn cần lấy bằng Maryland hoặc giấy phép quốc tế. Hỏi công ty bảo hiểm về yêu cầu cụ thể.
