Motorcycle Insurance in Maryland

From scenic rides along the Chesapeake Bay to winding routes through the Appalachian foothills, Maryland has something for every motorcyclist. Before you hit the open road, make sure you’re backed by coverage that’s built for the way you ride. GEICO provides dependable Maryland motorcycle insurance with flexible options to protect your bike, your gear, and yourself.

Is Motorcycle Insurance Required in Maryland?

Yes, motorcycle insurance is required in Maryland. Riders must show proof of insurance to register their motorcycle with the state, and coverage must be maintained at all times. Failing to carry insurance can result in fines, registration suspension, and other penalties. To stay on the road legally and avoid costly consequences, it’s important to keep your policy active and up to date.

Minimum Motorcycle Insurance Coverage Requirements in Maryland

Maryland’s minimum insurance requirements are in place to protect the people on its roads. At a minimum, Maryland bikers must carry:

Coverage Type What It Covers Maryland Minimum Limits
Bodily Injury Liability Injuries you cause to others in an accident $30,000 per person / $60,000 per accident
Property Damage Liability Property damage you cause in an accident $15,000 per accident
Uninsured/Underinsured Motorist Injuries to you and your passengers caused by an uninsured or
underinsured driver 		$30,000 per person / $60,000 per accident
Uninsured Motorist Property Damage Damage to your vehicle caused by an uninsured or underinsured driver $15,000 per accident

Optional Motorcycle Insurance Coverages in Maryland

GEICO offers a variety of optional coverages so Maryland riders can tailor their motorcycle insurance to fit their budget, needs, and lifestyle, such as:

  • Collision Coverage: Helps cover repair or replacement costs if your bike is damaged in an accident with another vehicle or object.
  • Comprehensive Coverage: Protects against non-collision events like theft, vandalism, fire, and weather-related damage.
  • Accessory Coverage: Protects aftermarket parts or upgrades. In addition to accessories and custom parts coverage, this coverage provides protection for your helmet and riding apparel up to $500. You must carry comprehensive or collision coverage on your policy to qualify.

How Much Does Motorcycle Insurance Cost in Maryland?

The cost of Maryland motorcycle insurance can vary based on several factors, including the type of bike you ride, where you live, and your riding history. Generally, newer or high-performance bikes may cost more to insure, while experienced riders with clean records may qualify for lower premiums. GEICO works with you to find affordable motorcycle coverage, so you can spend more time riding and less time worrying about costs.

Discounts on Motorcycle Insurance in Maryland

You shouldn’t have to stretch your wallet to secure reliable coverage. That’s why GEICO offers Maryland drivers various motorcycle insurance discounts, such as:

  • Motorcycle policy transfer: Up to 10% discount when you transfer your motorcycle insurance to GEICO® Motorcycle.
  • Multiple motorcycles: You may qualify for a discount if you insure more than one motorcycle.
  • Mature riders: GEICO offers discounts for mature riders.
  • Insurance renewal: Up to 10% discount when you renew your motorcycle insurance with GEICO® Motorcycle.
  • Safety course: Get a discount when completing a Motorcycle Safety Foundation or Military Safety Course.
  • Instructors: You may qualify for a discount if you are a current Motorcycle Safety Foundation instructor.
  • Clean driving record: Maintaining a clean driving record may qualify you for reduced premiums.
  • Auto pay: Put your bill on auto pay and save on motorcycle insurance.
  • Early shopper: Get rewarded for purchasing a new GEICO motorcycle policy before your current policy ends.
  • Paperless: Opt for digital billing and communications for lower rates.
  • Homeownership: Get a motorcycle insurance discount just for being a homeowner.
  • Internet quote: Getting a motorcycle insurance quote online can earn you additional savings.

GEICO also offers multiple motorcycle insurance payment plans to make maintaining coverage easier.

Why Choose GEICO for Motorcycle Insurance in Maryland?

Thousands of riders across the country trust GEICO for reliable motorcycle insurance—and Maryland riders are no exception. With flexible coverage options, competitive rates, and protection for a wide variety of bikes, GEICO makes it easy to find a policy that fits your ride and your lifestyle.

Our dedicated customer support team is here when you need us, and the GEICO Mobile app puts your policy details, ID cards, and claims filing tools right at your fingertips.

Need to report a claim? Our fast and streamlined claims process is built to get you back on the road quickly. When you choose GEICO, you're choosing coverage backed by experience, convenience, and a name riders’ trust.

Get a Free Motorcycle Insurance Quote in Maryland

Ready to ride? Get a free Maryland motorcycle insurance quote from GEICO, contact our insurance specialists for guidance, or check out our motorcycle insurance FAQs for more information.