Do You Need Vehicle Insurance Without Owning a Car? Here’s What Maryland Law Says

What is Non-Owner Car Insurance?

If you live in Maryland and don’t own a car, you might still need car insurance. Non-owner car insurance is perfect for people who often rent or borrow vehicles or want to keep their coverage continuous. It’s also helpful for those with serious driving violations, like a DUI, who need to get their license back.

Driver is driving also following the mapPhoto byPaul HanaokaonUnsplash

Maryland’s Insurance Requirements:

Even if you don’t own a car, your non-owner insurance must meet Maryland's minimum requirements:

• Bodily injury liability: $30,000 per person, $60,000 per accident
• Property damage liability: $15,000 per accident

These limits help cover the basics, but you might want more coverage to avoid unexpected costs in an accident.

Why Consider Non-Owner Car Insurance?

This type of insurance is ideal if you regularly borrow or rent cars, need to keep your coverage active, or are working on getting your driver’s license reinstated. It provides liability coverage for accidents but doesn’t include collision or comprehensive coverage.

Average Costs in Maryland:

In Maryland, the average monthly cost for non-owner car insurance is $45. This is a bit higher than the national average of $43, but still reasonable given the coverage it provides.

Top Non-Owner Car Insurance Providers

• Travelers: Great customer satisfaction, with rates around $52 per month.
• GEICO: Affordable and reliable, costing about $41 per month.
• Progressive: Offers decent coverage at $47 per month and many more, please reseacrh before choosing any insurance provider.

Non-owner car insurance can be a smart move if you need coverage without the commitment of owning a vehicle.