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Penalties for Not Having Insurance The penalties can be severe if someone is caught driving without insurance in Maryland. For the first 30 days without insurance, they face a $150 fine, plus $7 for each additional day. The maximum fine can go up to $2,500.
It is against regulations to have Maryland registration and out of state insurance, you must either obtain Maryland Insurance or register your vehicle in the state you Insured the vehicle.
(2) A policy shall provide a grace period of 31 days if the policy: (i) allows the policyholder to choose any one of two or more modes of premium payment by remitting an amount stated in the policy for that particular mode of payment; and (ii) does not require a formal request by the policyholder to change the mode of
The FR-19 is a certification that the vehicle has been continuously insured since the verification date and that coverage is presently in force. The Uninsured Motorist email address is deum@delaware.gov and fax number is 302-739-4750.
Insurance is required by law. Because your policy was canceled, you are subject to uninsured driver penalties, which are assessed at a rate of $200 for the first 30 days then $7 per day afterward.
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To provide verification of vehicle insurance you must obtain the Maryland Vehicle Insurance Certification (form #FR-19) The form can only be issued by a vehicle insurance company licensed to do business in Maryland or an authorized agent of such a company. Its only valid for 30 days.
In Maryland, driving without insurance is a misdemeanor criminal citation. This means that in addition to severe fines, you could face jail time cause you to lose your license. A conviction on a first offense can carry 5 points on your license, a $1000 fine and up to one year in jail.

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