What are Maryland’s motorcycle insurance requirements?

Maryland requires all motorcyclists to carry insurance, and the minimum coverage requirements for Maryland are more involved than many other states. At a minimum, if you want to register and operate a motorcycle in The Old Line State, you'll need to show proof of coverage, including liability and uninsured/underinsured motorist.

Maryland motorcycle insurance

Q: What's the best motorcycle insurance in Maryland?

One in three insured motorcycle riders choose Progressive. ** Whether you ride in Baltimore, Germantown, or Silver Spring, the best motorcycle insurance features dependable and personalized coverage at an affordable cost. Progressive offers cheap motorcycle insurance in Maryland for bikers without sacrificing the valuable protection you count on for peace of mind.

Maryland's home to scenic rural rides, city cruising, and Ocean City Bikefest, one of the biggest motorcycle rallies on the East Coast. Progressive is proud to help bikers explore the Old Line State with personalized coverage and easy discounts that keep money in their pockets. Learn everything you need to know about motorcycle insurance in Maryland, including what's required by law.

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Explore Progressive's editorial standards for Answers articles to find out why you can trust the insurance information you find here.

Do you need motorcycle insurance in Maryland?

Maryland motorcycle laws require all riders to carry motorcycle liability coverage for bodily injury and property damage. Liability coverage may pay for injuries and property damage you cause to others while riding, up to your policy's limits. You can increase the amount of liability coverage, if necessary, to protect your assets more fully. It's important to note that these coverages don't cover damage to your own bike.

Required coverage	What it covers	Minimum amount
Bodily injury liability	What it coversInjuries you cause to others in an accident	Minimum amount$30,000 per person $60,000 per accident
Property damage liability	What it coversProperty damage you cause to others in an accident	Minimum amount$15,000 per accident
Uninsured/underinsured motorist bodily injury	What it coversInjuries to you and your passengers if you're struck by an at-fault motorist with insufficient liability coverage	Minimum amount$30,000 per person $60,000 per accident
Uninsured motorist property damage	What it coversDamage to your vehicle or property if struck by an at-fault motorist who carries no liability coverage	Minimum amount$15,000 per person

Do you need comprehensive and collision coverage?

Comprehensive motorcycle coverage and collision motorcycle coverage are both optional unless you're financing or leasing your motorcycle. In those cases, your lender may require comprehensive and collision coverage. If your bike is paid in full, you may consider comprehensive and collision coverages as a safeguard against physical damage to your motorcycle. Comprehensive may cover your bike against events out of your control: motorcycle theft, vandalism, hitting an animal, fire, and weather-related issues. Collision can cover your motorcycle if it collides with another object or vehicle, regardless of who's at fault.

How much is motorcycle insurance in Maryland?

In 2023, the annual cost for a Progressive motorcycle policy in Maryland with liability coverage only was $164.36.^* Many factors influence your price for motorcycle insurance, such as your age, driving history, location, type of bike, and coverage selection. Learn more about the cost of motorcycle insurance.

Pro tip:

Marylanders can bundle and save with two or more Progressive insurance policies. Get a multi-policy discount when you combine motorcycle insurance with homeowners, renters, auto, RV, or boat insurance.

What's the best motorcycle insurance in Maryland?

One in three insured motorcycle riders choose Progressive.^** Whether you ride in Baltimore, Germantown, or Silver Spring, the best motorcycle insurance features dependable and personalized coverage at an affordable cost. Progressive offers cheap motorcycle insurance in Maryland for bikers without sacrificing the valuable protection you count on for peace of mind.

You can decrease the cost of motorcycle insurance in Maryland with motorcycle insurance discounts, such as:

Multi-policy discount
Harley-Davidson Owner Group (HOG) Association discount
Motorcycle license/endorsement
EFT discount
Safety course

Find out more ways to lower the cost of motorcycle insurance.

Additional motorcycle insurance coverages available in Maryland

For increased protection, the following optional coverages may be added to your Progressive motorcycle policy:

Motorcycle accessory coverage: Can pay for damage to the upgrades you've made to your bike and your equipment, such as chrome pieces, electronics, handlebars, and custom paint and wheels.
Medical payments: Can pay for injuries you or your passenger suffer, regardless of fault.
Total loss coverage: May pay for the full value of your bike in the event of a total loss, protecting against depreciation (available only for bikes no more than one model year old on a new policy).
Carried contents and personal belongings: Can pay to replace any personal effects you're carrying when a covered loss occurs, including theft.
Enhanced injury protection: May pay as much as $250 a week for two years if you can't work due to injuries sustained during a crash.
Roadside assistance: Covers the cost of towing your bike to the nearest repair shop.

Learn more about motorcycle insurance coverages.

Quick facts for riding in Maryland

All motorcycle operators, according to Maryland motorcycle law, must have a Class M license.
All motorcycle operators and passengers in Maryland must wear a helmet while riding, regardless of age.
Two motorcycles may share a lane, but lane splitting, sometimes known as lane filtering, is illegal in Maryland.