Driving Without Insurance in Maryland

Knowingly driving an uninsured vehicle, or letting someone else drive it, is a crime punishable by up to 1 year in jail and/or a fine of up to $1,000 for a first offense, and up to 2 years and/or $1,000 for a second or later offense. Separately, when insurance lapses, the vehicle's registration is suspended, and the MVA may charge an uninsured motorist penalty of $200 for the first 1 to 30 days, then $7 per day starting on day 31, up to $3,500 per violation in a 12-month period. The penalty is not charged in certain cases where the plates are returned within 10 days. Plates must be surrendered within 48 hours of notice of suspension, or the owner's driver's license may be suspended.

Drivers must carry evidence of insurance in the vehicle (or have it in their possession) and show it when a police officer asks. An insurer-issued insurance ID card is acceptable, and evidence may be shown electronically, including on a cell phone or other portable device. Failing to carry or show it carries a $50 fine, which may be waived. Insurers report coverage to the MVA electronically, take part in its online insurance verification program, and must notify the MVA of lapses and terminations.