Maryland Motorcycle Insurance: Compare Quotes

Did you know this about motorcycle insurance in Maryland

Many riders don’t realize they could be overpaying for motorcycle insurance in Maryland simply by sticking with the same provider year after year. Insurance rates change over time, and without comparing quotes, you could be missing out on lower premiums or better coverage. Some riders also end up paying for add-ons they don’t need, while others may not be taking advantage of discounts for safe riding or policy bundling. Taking a few minutes to check your options can help you find a plan that offers the right protection at a better price. 

Find the best motorcycle insurance in Maryland by comparing quotes from top providers with one simple form.

Do You Need Motorcycle Insurance in Maryland?

Yes, Maryland law requires all motorcycle riders to carry insurance to ride legally on public roads. Maryland motorcycle insurance laws state that every registered motorcycle must have an active liability insurance policy that meets the state's minimum coverage requirements. Riding without insurance can result in fines, registration suspension, and even impoundment of your motorcycle. 

Unlike some states, Maryland doesn’t allow uninsured riders to register a motorcycle, meaning you must show proof of insurance before getting your tags. Additionally, insurance policies must be maintained for as long as the motorcycle is registered, even if it’s not being ridden. If your policy lapses, the Maryland Motor Vehicle Administration (MVA) may impose daily fines until coverage is reinstated.

Maryland Motorcycle Insurance Requirements

Maryland requires all motorcycle insurance policies to meet these minimum liability coverage limits: 

• $30,000 for bodily injury per person
• $60,000 for bodily injury per accident if multiple people are injured
• $15,000 for property damage per accident

While this coverage satisfies legal requirements, it only applies to injuries or damages caused to others in an accident. It doesn’t cover your own medical expenses or repairs to your motorcycle.

Additional Coverage Options to Consider
Many riders choose to add extra coverage to better protect themselves in case of an accident, theft, or other unexpected events. Some common optional coverages include:

• Uninsured/Underinsured Motorist Coverage (UM/UIM): Helps pay for medical expenses and damages if you're hit by a driver who doesn’t have enough insurance.
• Comprehensive Coverage: Covers theft, vandalism, weather-related damage, and other non-collision incidents.
• Collision Coverage: Helps pay for repairs to your motorcycle after an accident, regardless of fault.
• Medical Payments (MedPay): Assists with medical bills for you and your passenger after an accident.

To stay compliant and avoid unnecessary penalties, it's important to maintain an active policy that meets Maryland motorcycle insurance laws at all times. For the latest information on insurance requirements, visit:

• Maryland Insurance Administration
• Maryland Vehicle Administration

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Maryland Motorcycle Insurance FAQs

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Maryland Motorcycle Insurance Discounts

Many insurance companies offer discounts that can help lower your premium, and taking advantage of them could mean paying less for the protection you need. Some of the most common discounts available in Maryland include:

• Bundling Policies: Combining your motorcycle insurance with an auto or home policy could lead to lower rates.
• Safety Course Discounts: Completing a state-approved motorcycle safety course may not only make you a better rider but can also qualify you for a discount. (see: Maryland Entry-Level Basic Rider Course)
• Low-Mileage or Seasonal Riding: If you only ride occasionally or during certain months, some providers offer lower rates for reduced road use.
• Military & Veteran Discounts: Maryland has a strong military presence, and many insurers offer discounts for active-duty service members and veterans.

Every insurance company offers different ways to save, so comparing quotes is the best way to see what discounts you qualify for.

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Compare Maryland Motorcycle Insurance

To receive motorcycle insurance quotes in Maryland, simply fill out the form provided below. An insurance agent will then reach out to discuss your coverage options and help you find the most affordable plan that meets your needs. Our partners are dedicated to helping you lower your premiums or enhance your coverage in Maryland.

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