MD Auto Insurance Requirements

Maryland Car Insurance Laws

As of January 1, 2011, the state of Maryland requires drivers to have a minimum coverage of 30/60/15:

  • $30,000 for bodily injury per person
  • $60,000 for bodily injury for two or more people
  • $15,000 for property damage

How much insurance do I need?

Roadway Insurance providers are car insurance experts, specially trained to help you choose the coverage to best suit your needs. We offer a variety of My MD Auto policies to Maryland and DC drivers with different types of coverage.

Roadway Auto offers discount car insurance even if you have a less than perfect driving record. For drivers who need My MD Auto (MAIF) insurance, Roadway Auto has you covered.

Auto Liability Insurance

Each state requires a minimum auto liability insurance. Maryland car insurance laws, require 30/60/15. Liability protects you from damage you do to others including bodily injury or property damage. Liability car insurance also covers legal fees when needed.

  • ‘Bodily injury liability’ pays for medical expenses, pain and suffering, and lost wages.
  • ‘Property damage liability’ pays to repair or replace the property that was damaged.

Comprehensive Auto Insurance Coverage

Maryland car insurance law does not require comprehensive auto insurance coverage, however many drivers benefit from this added coverage.

Comprehensive auto insurance protects you from incidents that are not caused by a collision or vehicle rollover including:

  • Fire
  • Natural Disaster
  • Vandalism
  • Theft

When needed, comprehensive auto insurance will pay you the actual cash value of the vehicle less your deductible. Remember the higher your deductible, the lower the price on your car insurance, and the lower the deductible the more expensive the car insurance.

Collision Auto Coverage

Collision auto insurance pays for damages to your vehicle because of at-fault accidents. Collision coverage may pay for the vehicle repair or in the event the vehicle is a total loss, collision coverage will pay the actual cash value of the vehicle less the deductible.

Full Coverage is a combination of liability, comprehensive, and collision auto insurance.

FR–19 and SR–22

Roadway Insurance can help you with your FR–19 and SR–22 needs.

  • An FR–19 is a Maryland Insurance Certificate required when you register or renew a vehicle. This certificate ensures that you meet the minimum vehicle liability requirements.
  • An SR–22, also known as a Certificate of Financial Responsibility (CFR), is a certificate mandated by the state of Maryland to verify that you have auto insurance liability coverage. A CFR is usually required by state mandate for specific driving-related violations such as DUI conviction, reckless driving, and accidents caused by uninsured drivers.
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