Demystifying the FR-19 in Maryland: Navigating the MVA Like a Pro

If you are already familiar with the FR-19 in MD, then this post might be redundant. Many people we encounter do not know about the ramifications of not having insurance in our state are, and what is required when it comes to maintaining insurance on your vehicles. This post is for those people.  

In the world of Maryland driving, there’s this thing called FR-19 that you might’ve heard of. Don’t fret if it sounds like gibberish because today, we’re going to break it down for you in a casual and easy-to-understand manner. Buckle up and let’s dive into the world of FR-19 and how to avoid any bumps with the MVA (Motor Vehicle Administration).

What’s the Deal with FR-19?

Alright, so FR-19 is basically a fancy form that proves you have the right insurance coverage as required by the State of Maryland. It’s like your golden ticket to show that you’re not a rogue driver cruising around without any insurance. This form comes into play if you’ve been in an accident, got a traffic ticket, or even if the MVA suspects you of being uninsured. So, it’s your way of saying, “Hey, I’m doing things right, MVA!”

Why Does FR-19 Exist?

The MVA wants all drivers in Maryland to have the minimum required insurance coverage. It’s like a safety net for everyone involved in an accident, protecting them from potential financial disasters. FR-19 acts as the guardian angel against uninsured drivers, making sure everyone plays by the rules and is responsible on the roads. Think of it as Maryland’s way of saying, “We’ve got your back!”

Tips to Avoid MVA Headaches:

Now, let’s get to the good stuff. Here are some tips to keep you in the MVA’s good books and prevent any unwanted issues related to FR-19:

1. Coverage Check: Make sure you have the minimum insurance coverage required by Maryland law. That means having at least $30,000 for bodily injury per person, $60,000 for bodily injury per accident, and $15,000 for property damage. These are not limits we would recommend at all, but this is the bare minimum Maryland requires. Make sure your coverage is also with a carrier that is allowed to do business in Maryland. Each insurance provider has policies for different states. Make sure yours is a Maryland based policy.

2. Accuracy is Key: When filling out the FR-19 form, pay attention to the details. Make sure everything matches your insurance documents, from policy information to vehicle identification. Accuracy is like a superpower that saves you from unnecessary headaches down the road.

3. Time is of the Essence: If the MVA sends you a request for the FR-19 form, don’t procrastinate. Get that form submitted within the specified timeframe. Missing the deadline can result in penalties like fines, license suspension, or even the dreaded revocation of your vehicle registration. Trust us, you don’t want that hassle! More often than not your agent is the one that will handle this for you. Just remember, your agent does not get this notice. We cannot fix the problem unless you let us know!

4. Keep it Going: Don’t press the pause button on your insurance coverage. Maintain continuous coverage throughout your vehicle’s registration period. Letting your insurance lapse or canceling it prematurely is a big no-no that can attract the MVA’s unwanted attention, driving privileges suspension, and a potential fine.

5. Proof of sale or total loss: Similar to item 4, it is important to keep insurance on your vehicle until the tags have been returned to the MVA. We always encourage people to keep a copy of the receipt from turning in your tags. Our rule of thumb is to remove coverage on a vehicle with an insurance carrier once the license plate has been returned to the MVA. If you can prove that the vehicle has been sold (bill of sale) or the vehicle was deemed a total loss, then you may be in the clear with removing coverage on the car prior to getting those tags turned in. Nonetheless, don’t keep your license plates. Turn them into the MVA!


There it is! A quick recap of what an FR-19 is and how to stay on the MVA’s good side. Remember, complying with Maryland’s insurance regulations is not just about following the rules but also protecting yourself and others on the road. Long story short, keep coverage on your vehicles and maintain quality coverage. It will make life easier in the long run.

Please complete the form below for a quote.

Request Your Proposal Here

Are you ready to save time, aggravation, and money? The team at Younger Insurance Agency is here and ready to make the process as painless as possible. We look forward to meeting you!

Call Email Claims Payments