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Maryland Motorcycle Insurance Requirements

Maryland Motorcycle Insurance Requirements

Maryland is located in the Mid-Atlantic region of the United States and is among the smallest states in regards to area. Despite being a small, it is one of the most densely populated states in the U.S. This is a state that was named in honor of Queen Henrietta Maria, but many also believe that the name Maryland could be honoring Mary – the mother of Jesus Christ. The state is often referred to by its nickname the “Old Line State,” which came about as reference to the 1st Maryland Regiment that fought British troops during the Battle of Long Island in the Revolutionary War.

Maryland has the highest median household income and may agree that it is the wealthiest state in the U.S. It also is the state with the lowest poverty rate in the nation. The economy in this state is very diverse and includes major businesses involved in: transportation (e.g. trucking / railroads), commercial fishing, government, medical research (e.g. John Hopkins), manufacturing, agriculture, and mining. This state is also referred to as the “Chesapeake Bay State” as well as the “Free State.”

Maryland Motorcycle Insurance Requirements

Are you a resident of Maryland that plans to ride a motorcycle? If so, you need to follow proper laws regarding insurance. Most states require that all individuals that operate a motor vehicle need to get it insured. The reason insurance is a requirement is so that if there is an accident, the individual that caused the accident are held accountable for damage reimbursement. This keeps the roads fair and helps increase driver safety.

How to Establish Financial Responsibility in Maryland

In a lot of different states, individuals have alternatives to liability insurance. For example, certain states will allow drivers that do not want insurance to get a surety bond, make a cash deposit, or get self-insured. In Maryland, you do not have any alternatives – you must have a liability policy that meets state requirements before you operate any two-wheeled motor vehicle.

  • Liability Insurance – You can buy liability coverage through a licensed insurance provider. This is your only option to establish financial responsibility.

Note: Failure to get liability coverage means that you would be driving illegally.

Motorcycles / Two-Wheeled Vehicles Defined

Below are various definitions for two-wheeled vehicles in the state of Maryland. If you are unsure about the classification of your particular 2-wheeler, you can contact the Maryland Motor Vehicle Administration at the following number: (410)-768-7000. They have experts trained to help you better understand the type of vehicle that you own.

Motorcycle: A motorized vehicle with a seat or saddle for the operator that travels on not more than 3 wheels in contact with the ground. The engine displacement must be greater than 50 cc piston displacement.

Moped: A motorized bicycle that is designed to be operated with human power through the use of pedals. The pedals mechanically drive the rear wheel(s), and the wheels must be at least 14-inches in diameter. The motor must be less than 1.5-brake horsepower and if internal combustion, must be less than 50 cc piston displacement.

Motor Scooter: This is a motorized, non-pedal vehicle that has a seat for the operator and 2 wheels of at least 10 inches in diameter. These typically have a flat surface to rest the feet, a step through frame, and automatic transmission. These must have a motor with less than 2.7-brake horsepower. If the engine is internal combustion, it must be 50 cc piston displacement or less.

Note:  As of 2012, all of the vehicles above are required to be titled and all drivers must have effective liability insurance.

Maryland Motorcycle Insurance Minimum Requirements

When you purchase an insurance policy in Maryland, it must meet the coverage amounts listed below. Based on the numbers, you may see the required coverage abbreviated as a “30/60/15” policy. In addition to basic liability coverage, you are also required to have uninsured motorist insurance that matches the liability minimums. Additionally, you must have Personal Injury Protection (PIP) Insurance.

Liability Insurance:

  • $30,000 bodily injury per person

  • $60,000 bodily injury per accident

  • $15,000 property damage per accident

Uninsured Motorist Insurance:

  • $30,000 per person

  • $60,000 per accident

  • $15,000 property damage per accident

Personal Injury Protection (PIP) Insurance:

  • $2,500 per person

Note: Personal Injury Protection coverage helps pay for medical, disability benefits, loss of income, and hospital treatment as a result of an accident. Coverage must not be any less than the amount listed above.

Keep in mind that the above insurance minimums may not be enough protection in the event of a major accident. Talk to your insurance provider about increasing your limits for additional security. If you are satisfied with the minimal amounts of coverage, then the above is all you need.

Maryland Laws: Safety & Licensing Requirements

All drivers in the state of Maryland are required to follow their licensing and driving laws. It is important to know whether you need to wear a helmet, eye protection, as well as the type of license that is required to drive your motorcycle. The keep the information below in mind whenever you ride.

  • Helmets – All drivers and passengers are required to wear helmets while operating a motorcycle or other two-wheeled vehicle.
  • Eye Protection – All individuals must wear eye protection while operating a motorcycle.
  • Headlights – It is not required, but it is recommended to use your headlights during the daytime.
  • Licensing – If you plan on driving a motorcycle, you must get proper licensing. This means you need to pass testing and obtain a Class M endorsement on your driver’s license. If you are under the age of 18, you first need to complete the Basic Rider Course by the Motorcycle Safety Foundation before you apply to get a license.

Proof of Insurance in Maryland

When you first go to get a title and registration for your motorcycle, the Motor Vehicle Administration makes all individuals sign a FR-19 form. This form states that you agree to maintain the minimum liability insurance requirements throughout your registration periods. It also states that you must not drive a vehicle without insurance.

  • FR-19 Form (Maryland Insurance Certification) – This is a file with terms stating that you agree to maintain the minimum required liability insurance for the entire term that you drive your motorcycle. You must sign it and your insurance agent must send it in to the MVA. This is the only way to prove that you have insurance in Maryland.

The FR-19 form must be issued from a licensed insurance company and properly submitted to the Motor Vehicle Administration. Only the actual copy is allowed to be submitted, photocopies are not accepted. Having an insurance ID card or other documented proof of coverage is NOT acceptable in this state. If you fail to maintain insurance coverage, your provider will notify the MVA and you could face penalties.

Penalty for Lack of Insurance in Maryland

It is never a good idea to ride your motorcycle without insurance. By riding without coverage, you are setting yourself up for some major legal trouble. You may get away with it temporarily, but if you are ever caught, there are some pretty steep penalties. Always make sure you maintain adequate coverage so the following penalties can be avoided.

  • Fines:  You will be fined $150 for the first 30 days without insurance and $7 per day after the initial 30 day period.
  • Revoked License:  Your driver’s license and plates will be revoked and you will not be able to operate a motor vehicle.
  • Revoked Registration:  The title and registration associated with your motorcycle will be taken and nobody will be able to drive it until the suspension period ends.
  • Prison:  Should you ever attempt to falsify insurance, you could face up to a year in prison and up to $1,000 in fines.
  • Reinstatement Fees:  You will not be able to register another vehicle until you pay all fines and reinstatement fees associated with your record.

Maryland Motorcycle Insurance Companies

In order to find a motorcycle insurance provider that you can trust, you may want to read some of the reviews on this website. On the right side of the homepage, you can see our highest rated motorcycle insurers. In order to make your search easier for a provider, use the form below (or at the top of the page) to enter your Zip Code – this will generate a list of top companies in your area.

Take the time to gather quotes and policy information from each of the companies that are listed for your particular location. Be sure to compare the overall price you are quoted with the amount of coverage you can expect to receive. Once you have taken these steps, you should be ready to ride through Maryland!

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