马里兰州最低汽车保险要求
马里兰州要求每位驾驶者购买责任保险。最低保险限额为每人25,000美元人身伤害赔偿和每次事故40,000美元，财产损害赔偿为15,000美元。
如果被发现无保险驾驶，您可能面临罚款、驾驶执照暂停和法律后果。保险公司不是移民执法部门——购买保险不会将您的信息提供给ICE。
移民可以在马里兰州获得驾驶执照吗？
不幸的是，马里兰州目前不向无证移民发放驾驶执照。您需要有效的社会安全号码或ITIN来申请。检查您的州DMV以了解最新政策。
如果您有ITIN，您可能符合某些保险公司的要求。许多保险公司接受ITIN代替SSN。有关ITIN的更多信息，请访问IRS网站。
马里兰州移民的最佳保险选择
许多主要保险公司在马里兰州接受ITIN申请人。获取多个报价以比较价格——费率差异很大。某些社区组织可能提供针对移民驾驶者的特殊计划。
如果您有外国驾驶执照，请告诉保险公司。某些公司会接受它进行承保。保险数据受Gramm-Leach-Bliley法保护——您的个人信息不会与移民当局共享。
马里兰州移民驾驶者的提示
始终携带您的保险卡和政府签发的身份证。如果被警察拦下，礼貌但坚定地说您了解自己的权利。不要在车里保留原始出生证或护照。
马里兰州有许多非营利组织为移民提供驾驶员安全课程和法律援助。查询您当地的社区资源。驾驶员教育课程可能会为您的保险提供折扣。
| Coverage Type | Minimum Required | Notes |
|---|---|---|
| Bodily Injury (per person) | $20,000 | Covers injuries you cause |
| Bodily Injury (per accident) | $40,000 | Total per crash |
| Property Damage | $15,000 | Covers damage to others property |
| Uninsured Motorist (BI) | $20,000/$40,000 | Protects you if hit by uninsured driver |
| Uninsured Motorist (PD) | Optional | Maryland does not require UM property damage |
| Underinsured Motorist | Same as UM | Covers gaps in other drivers coverage |
📋 Official Sources
Frequently Asked Questions
Yes. Maryland insurers accept ITIN (Individual Taxpayer Identification Number) instead of SSN. Get ITIN from IRS at https://www.irs.gov/individuals/individual-taxpayer-identification-number. Insurance companies are NOT immigration enforcement.
No. Maryland does NOT issue driver licenses to undocumented immigrants. Check Maryland DMV for acceptable ID options or explore neighboring states with different rules.
Maryland requires: Bodily Injury $15,000 per person / $30,000 per accident. Property Damage $25,000. Uninsured Motorist $15,000 / $30,000. Get quotes for your situation.
State Farm, Allstate, GEICO, and many regional carriers write policies with ITIN. Call multiple insurers - rates vary widely. Some have Spanish-speaking agents.
Most Maryland insurers will NOT insure with only foreign license. You need Maryland driver license or state ID. Ask insurers directly about their foreign license policy.
No. Insurance companies are regulated by Maryland Insurance Administration, NOT immigration agencies. Your information is protected by Gramm-Leach-Bliley Act privacy law.
Use your current Maryland address - even a shared apartment or shelter address works. Insurers need proof of residency. Check Maryland DMV for acceptable documents.