马里兰州最低汽车保险要求
马里兰州法律要求所有驾驶员购买责任保险。最低限额为25,000美元人身伤害赔偿（每人）、50,000美元（每起事故）和25,000美元财产损害赔偿。
如果你在没有保险的情况下驾驶，可能会被罚款、吊销驾照或面临法律诉讼。违反保险要求的罚款从250美元起。
移民能在马里兰州获得驾照吗？
马里兰州允许没有社会安全号码的人申请驾照，但需要税务识别号或其他身份证明。你可以使用ITIN（个人税务识别号）。
所需文件包括：有效护照或出生证明、证明马里兰州居住的文件（如租赁协议或水电账单）以及ITIN信函。访问Maryland MVA网站获取完整清单。
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，包括State Farm、Geico、Progressive和Allstate。不需要社会安全号码或美国驾照来获得报价。
获得保险的建议：比较多个报价、选择适合你预算的覆盖范围、准备你的驾驶历史文件。保险公司不与移民执法部门共享数据。
马里兰州移民驾驶者提示
始终携带你的驾照、保险卡和车辆注册证明。如果被警察拦下，要求律师，不要回答关于移民身份的问题。
马里兰州法律保护无证移民的隐私权。保险公司受Gramm-Leach-Bliley法保护，必须对客户数据保密。获取帮助：Maryland Legal Aid Bureau提供免费法律协助。
| Coverage Type | Minimum Required | Notes |
|---|---|---|
| Bodily Injury (per person) | $20,000 | Maryland state minimum |
| Bodily Injury (per accident) | $40,000 | Maryland state minimum |
| Property Damage | $15,000 | Maryland state 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 (PIP) | Optional | Not required by Maryland law |
📋 Official Sources
Frequently Asked 常见问题
Yes. Use an ITIN (Individual Taxpayer Identification Number) instead. Maryland insurers accept ITIN for quotes and policies. Insurance companies do not report you to immigration authorities.
No. Maryland requires proof of legal presence for a driver license. Check if you qualify for a temporary license or visit Maryland DMV for current options.
Liability: 15,000 bodily injury per person, 30,000 per accident, 10,000 property damage. Uninsured motorist coverage required. Check Maryland DMV for latest requirements.
State Farm, Geico, Allstate, and Progressive work with ITIN and foreign documents in Maryland. Get quotes from multiple companies—rates vary based on your situation.
Yes, for the first 12 months after arrival. After that, you need a Maryland license or state ID. Check Maryland DMV for current residency documentation rules.
