Non-owner car insurance in Maryland
This policy is issued in your name and covers the injuries and property damage you cause to others when you borrow or rent a car. You should buy it when you drive most months or require an SR-22 without a car. Skip it and join the owner's policy if you live with them.
- $43 a monthtypical price for a 40-year-old with a clean record, or $516 a year
- GEICOlowest price in the study, $169 a year, then $461 for the next company
- 30/60/15lowest limits the state allows
Which companies offer non-owner insurance in Maryland?
Here we priced 7 companies, with the least expensive shown first. USAA charges $210 and covers only military households.
| Company | Per year | Per month |
|---|---|---|
 GEICO | $169 | $14 |
 USAA (military families) | $210 | $18 |
 Erie | $461 | $38 |
 Travelers | $504 | $42 |
 Nationwide | $610 | $51 |
 State Farm | $717 | $60 |
 Progressive | $1,069 | $89 |
GEICO is listed at $169 a year, far below the other companies here. That is the study's figure, so ask an agent for a real quote before counting on it.
These company prices are for a 40-year-old with a clean record, so your own answers above can give a different price. The driver profile that produced the rates above, taken from a study of Maryland prices, ranks the state 34th cheapest among all 50. Companies that sell it in Maryland.
The Maryland MVA does not use an SR-22 for coverage questions; it relies on the state-specific FR-19 form instead. Every policy also gets uninsured motorist protection under state rules, along with personal injury protection that you can opt out of.
What coverage does a Maryland policy have to provide?
The minimum liability required by Transportation Article section 17-103 is $30,000 for a single injured person and $60,000 for one accident. Damage to property calls for $15,000. The insurer must have Maryland authorization to write policies there.
Two additional protections are included. When the driver at fault has no insurance, required uninsured motorist cover pays you. Your medical bills and missed wages after an accident are paid by personal injury protection, known as PIP. Maryland adds PIP unless you complete a waiver form.
Maryland Auto Insurance can issue a policy if two regular companies turn you down, or one drops you for any reason besides a missed payment. Per that fund's FAQ, a Maryland license holder who lives in the state can get a policy even without a car.
What is the process for the Maryland FR-19?
The FR-19, the Maryland Insurance Certification, shows a car carried Maryland insurance during the dates the MVA checks. A case is started by the MVA whenever its system finds a coverage gap. The Maryland Auto Insurance FAQ says the form can be issued only by an insurer or an agent with authorization. There is no cost, and the MVA accepts only the original (never a photocopy).
Agents file it using the MVA eFR-19 service for insurers. Agents fill in your case number and one piece of vehicle data: the VIN, title number, or tag number. After they send it, the record updates immediately.
Alcohol revocations have no SR-22 listed on the MVA reinstatement page, but open insurance violations still keep reinstatement blocked. First, settle every FR-19 case. A non-owner policy then protects you when driving a car that is borrowed or rented.
Returning Maryland license plates when you stop owning a car
Ending your car ownership here calls for closing out your insurance correctly. Under section 17-106, a gap in coverage suspends the registration back to when the lapse started. Carriers send cancellation notices straight to the MVA's electronic system. A car that just sits still needs the minimum coverage, according to the MVA insurance requirements page.
Leaving your plates uninsured will cost you. According to the MVA fee schedule, the first 30 days cost $200, then each further day is $7, capped at $3,500 annually. If 120 days pass with no payment, the registration is cancelled and the state adds 17% through its collection unit. If you dropped coverage on purpose, the MVA penalties page tells you to return the plates.
What you pay in Maryland, by age
Teens pay about $720 each year. Minimum coverage on a car you own averages $810 a year at age 40, about $294 above the $516 non-owner rate.
| Age | Men | Women |
|---|---|---|
| 16 to 19 | $818 | $622 |
| 20 to 24 | $484 | $466 |
| 25 to 64 | $517 | $508 |
| 65 and over | $541 | $533 |
All figures are yearly, for a clean record with minimum limits. The study's 25-to-60 rates apply to ages 25 through 64; its 65-to-75 rates apply to ages 65 and over.
Get a non-owner quote in Maryland
A licensed agent who writes policies in Maryland takes your call, goes through how you drive for free, and gets you real quotes right away.
Call 833-958-5598