Maryland Motorcycle Insurance

Why Get Motorcycle Insurance in Maryland
The state of Maryland has a population of around 5.7 million people and its highways are some of the most traveled in the country. Because of this, the chances of a motorcyclist being involved in an accident here are higher than in many other places. Motorcycle insurance provides protection against unexpected and unwanted events like theft and accidents. If you are not insured, you could face serious financial problems trying to pay for the resulting vehicle repairs and medical expenses. Protect yourself with comprehensive motorcycle insurance and take the worry out of driving along Maryland’s many scenic highways and busy roads.

Motorcycle Riding in Maryland
A motorcycle is described in Maryland as a two or three-wheeled vehicle with an engine capacity of more than 70 cc. Although mopeds and scooters are not required to be registered nor insured in Maryland, a valid license is still a requirement to operate them. The state of Maryland requires driver applicants to complete a motorcycle safety course (for individuals younger than 18) and a driver education course. They are then granted a provisional license. Once a driver has held a “conviction free” provisional license for 18 months in Maryland, he or she can then apply for a full motorcycle license (class M) conversion.

All motorcycles being registered in Maryland need an initial safety inspection. If you own a new vehicle, it will be registered and titled by the dealer in Maryland. Otherwise, the application for certificate of title will be presented by the owner along with the following documents:

  • Certificate of origin
  • Bill of sale
  • Odometer disclosure statement

Motorcycle License Requirements

  • Motorcycle safety course (if younger than 18)
  • Driver education course
  • Learner’s permit (if you are a first graduate licensing system license applicant)
  • Provisional license (for drivers with less than 18 months driving experience)
  • Series of Tests: Vision, Knowledge and Skills Tests

Minimum Insurance Requirements in Maryland
In order to drive legally in Maryland, state law requires all owners of motorcycles to have minimum liability coverage. These minimum coverage amounts are:

  • $20,000 for bodily injury of one person
  • $40,000 for bodily injury of all injured parties
  • $15,000 for property damage in one accident