Maryland: Insurance Practice Test
Maryland’s vehicle insurance requirement and the penalties for driving without insurance.
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Questions are original and based on the official manual "Maryland Driver’s Manual" (October 2025 Edition (DL-002 10-25)), Maryland Motor Vehicle Administration.
All 7 questions in this practice test
Take the test above first, then use this list to study. Tap “Show answer” to see the correct answer and explanation.
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What proof must you have about the vehicle you bring to the driving skills test?
- Proof that you bought the vehicle in Maryland
- Proof that the vehicle passed an emissions test
- Proof that the vehicle is less than ten years old
- Proof that the vehicle is insured
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Correct answer: Proof that the vehicle is insured
You must have proof that the vehicle is insured.
Source: Maryland Driver’s Manual (October 2025 Edition (DL-002 10-25)), page 8
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By whom must all motor vehicles registered in Maryland be insured?
- A company licensed in Maryland
- The Maryland State Police
- Any company in the United States
- The vehicle’s previous owner
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Correct answer: A company licensed in Maryland
All motor vehicles registered in Maryland must be insured by a company licensed in Maryland.
Source: Maryland Driver’s Manual (October 2025 Edition (DL-002 10-25)), page 52
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If you own a motor vehicle in Maryland, what kind of insurance must you carry in the amounts required by law?
- Collision coverage on the vehicle only
- Theft and fire coverage on the vehicle only
- Personal injury and property damage liability
- Roadside assistance coverage for the owner
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Correct answer: Personal injury and property damage liability
You must insure the vehicle for personal injury and property damage liability in amounts required by law.
Source: Maryland Driver’s Manual (October 2025 Edition (DL-002 10-25)), page 52
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What must you always have with you when driving a motor vehicle?
- A copy of your vehicle title
- A valid insurance identification card
- A receipt for your last insurance payment
- A written statement from your insurer
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Correct answer: A valid insurance identification card
You must always have a valid insurance identification card with you when driving a motor vehicle.
Source: Maryland Driver’s Manual (October 2025 Edition (DL-002 10-25)), page 52
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In what format may your insurance identification card be carried?
- Only on printed paper
- Only as a laminated card
- Only as a copy kept at home
- In electronic format
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Correct answer: In electronic format
The manual says the card may be in electronic format.
Source: Maryland Driver’s Manual (October 2025 Edition (DL-002 10-25)), page 52
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If a law enforcement officer asks for your insurance card, what must you do?
- Show it to them
- Show it only if you were stopped for a violation
- Mail it to them within a week
- Tell them where the policy is kept
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Correct answer: Show it to them
If an officer asks for your insurance card, you must show it to them, and you could be fined if you refuse.
Source: Maryland Driver’s Manual (October 2025 Edition (DL-002 10-25)), page 52
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If you do not keep insurance on all vehicles, you will be fined up to how much per vehicle each year?
- $250
- $500
- $2,500
- $10,000
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Correct answer: $2,500
The manual warns that you will be fined up to $2,500 per vehicle each year if you do not keep insurance on all vehicles.
Source: Maryland Driver’s Manual (October 2025 Edition (DL-002 10-25)), page 53