The Maryland Automobile Insurance Fund (MAIF) has helped many Maryland drivers who struggle to get car insurance. In Maryland, it’s illegal to drive without insurance, so drivers whose private companies turn them down need another option. The state created MAIF to solve this problem and protect drivers.
Get a Free MAIF Quote by Calling 301-476-1183, or Request A Free Quote Online Here!
How MAIF Car Insurance Started
MAIF’s roots go back to 1957, when the state created the Unsatisfied Claim and Judgment Fund Board. This board paid insurance claims for people hurt in hit-and-run accidents or by uninsured drivers. In 1972, it merged with the Maryland Automobile Insurance Plan to form MAIF. Since then, MAIF has insured drivers who can’t get coverage elsewhere.
How MAIF Insurance Works
MAIF is run by a board of trustees chosen by the governor. It has different departments, such as claims, finance, and underwriting. MAIF doesn’t receive state funding and relies on premiums, investment earnings, and a portion of the fines collected from uninsured drivers. You can learn more about MAIF, get quotes, and speak with experts through insurance providers like Roadway Auto.
Who Qualifies for MAIF Insurance?
MAIF offers car insurance for drivers who meet certain conditions. You must live in Maryland, have a Maryland driver’s license or vehicle registration, and show that you’ve been unable to get insurance from private companies. If you meet these requirements, you can contact our MAIF providers to explore your options.
Start Saving Money By Calling 301-GET-MAIF
We are Maryland’s leading provider of My MD Auto and Maryland Auto Insurance Fund. Roadway Auto Insurance provides affordable insurance for ALL Maryland drivers who can’t obtain car insurance on the private market.
Since 1972, My MD Auto has been providing car insurance in Maryland for any driver, regardless of driving history. My MD Auto doesn’t turn anyone down because of driving records. Even if you have multiple offenses, you’ll qualify for coverage!
Whether you need coverage for your car, motorcycle, or more, Roadway provides affordable rates. Contact us online for a free quote.
Areas We Serve
Shopping for MAIF Auto Insurance is easy! Begin today by contacting us online, by phone, or in person. We serve clients from Washington, D.C., Virginia, and Maryland.
LAUREL & BELTSVILLE
701 Washington Blvd.
Laurel, MD 20707
Corner of Route 1 and 198 / Next to Shell gas
301–490–9400 | Email Us
LANDOVER & CAPITOL HEIGHTS
7915 Central Ave.
Capitol Heights, MD 20743
1 mile from the MVA
301–499–0135 | Email Us
TEMPLE HILLS & SUITLAND
3425 Branch Ave.
Temple Hills, MD 20748
Next to Sam’s Carwash
301–423–2300 | Email Us
LARGO & UPPER MARLBORO
301–350–0388 | Email Us
SILVER SPRING & TAKOMA PARK
301–937–1005 | Email Us
FORESTVILLE & DISTRICT HEIGHTS
301–899–3464 | Email Us
HYATTSVILLE & RIVERDALE
301–350–6920 | Email Us
WASHINGTON, DC
202–561–1850 | Email Us
MARYLAND EASTERN SHORE
301–438–6243 | Email Us
WESTERN MARYLAND
301–438–6243 | Email Us
CENTRAL MARYLAND
301–438–6243 | Email Us
Frequently Asked Questions
What exactly is MAIF car insurance?
MAIF stands for the Maryland Automobile Insurance Fund. It’s a state-created program, not a private company, designed to be the “insurer of last resort” for Maryland drivers who can’t get auto insurance from private companies. Its mission is to ensure every eligible Maryland resident can obtain the state-required liability coverage to drive legally.
How is MAIF different from a regular car insurance company?
The main difference is its purpose and structure. The state established MAIF in 1972 to provide coverage for high-risk drivers that private insurers turn down. It’s a safety net, not a profit-driven company. It relies on premiums and investment earnings, not state tax dollars, to operate. This means its primary goal is to get you covered, not to maximize profits.
Who qualifies for MAIF car insurance?
Eligibility is straightforward. You qualify if you:
- Are a resident of Maryland.
- Have a valid Maryland driver’s license or a vehicle registered in Maryland.
- Can provide proof (like rejection letters) that at least two private insurance companies have turned you down for a standard policy.
What if I have a bad driving record with tickets or an accident?
That is precisely why MAIF exists. The program doesn’t turn anyone away because of their driving history. Even with multiple tickets, past accidents, or a DUI on your record, you can still qualify for coverage.
What kind of coverage does MAIF insurance provide?
A MAIF policy meets all of Maryland’s minimum legal requirements for car insurance. This includes liability coverage for bodily injury and property damage you cause to others, as well as Uninsured/Underinsured Motorist coverage and Personal Injury Protection (PIP), which covers medical expenses regardless of fault. You can also add comprehensive and collision coverage for additional protection.
Is MAIF insurance more expensive than regular insurance?
The cost can vary. Because MAIF covers drivers that private insurers consider high-risk, your rates might be higher than a standard policy with a clean record. However, MAIF is designed to be affordable and offers flexible payment plans, including an 18% down payment and 9 monthly installments. An 8% discount is also available for those who can pay their full annual premium upfront.
Can I pay for my MAIF policy monthly?
Yes. MAIF now offers improved payment options to help with budgeting. You can make an 18% down payment and then pay the remaining balance in 9 monthly installments. Your first payment is due 45 days after you sign the policy.
How long do I have to stay with MAIF? Can I switch later?
MAIF is a bridge to standard insurance. There is no set time you must stay. As your driving record improves, you may become eligible for lower rates with private insurers. Since we represent multiple carriers, we can help you shop for a standard policy when you’re ready to move on.
Ready to Get Back on the Road? We’re Here to Help.
Don’t let a past ticket, an accident, or a gap in coverage keep you from driving legally in Maryland. MAIF gives you a clear path forward, and we’re here to guide you every step of the way. At Roadway Auto Insurance, we are a leading MAIF provider, specializing in helping drivers like you get the coverage you need without judgment or hassle.
We’ll make the process simple and straightforward. We’ll check your eligibility, explain your options, and help you find a policy that fits your budget, including flexible monthly payment plans.
Call us today at 301-476-1183 or get a free quote online. Let’s get you covered!