Maryland Auto Insurance Fund (MAIF)
GEBCO is an authorized MAIF insurance provider.
Is your driving record less than perfect?
Have you been turned down for insurance or dropped by your current insurance company because you have too many tickets, accidents, or moving violations? Do you reside in Maryland? Then you will qualify for MAIF auto insurance!
MAIF stands for the Maryland Automobile Insurance Fund. Formed in 1972, the Maryland Automobile Insurance Fund was designed to provide auto insurance to Maryland drivers who are unable to obtain coverage through traditional insurers.
GEBCO Insurance is an authorized insurance provider for the Maryland Auto Insurance Fund, and we offer low-cost MAIF insurance plans for high-risk drivers.
Why GEBCO Insurance?
Low Rates
As an authorized insurance carrier for the Maryland Auto Insurance Fund, we provide the best rates to keep you legal! Choose from a variety of coverage options that include the minimum requirements for liability and personal injury, plus added coverage for collision, comprehensive, and more if you need it.
Personal Service
More Options
We don’t just provide MAIF insurance plans. After you clear up your driving record and no longer need MAIF auto insurance, we’ll be here to provide other coverage options and discounts to save you even more!
With many payment options, Gebco has the policy for you.
Learn more:
Do You Qualify for MAIF? (It’s Easier Than You Think)
You might think you don’t qualify because of a DUI, a suspension, or too many tickets. But MAIF has clear rules. You are eligible if:
- You live in Maryland and have a valid MD driver’s license or vehicle registration.
- You’ve been turned down twice. You must show that at least two private insurance companies rejected you* (for any reason other than nonpayment of your bill).
- You were dropped. If a private insurer canceled or refused to renew your policy (again, not because you missed a payment), you automatically qualify.
- You don’t owe MAIF money. You cannot have any unpaid premiums from a previous MAIF policy.
*Clearly stated in the Maryland State Archives records.
What Does MAIF Actually Cover?
To drive legally in Maryland, you must carry specific limits. MAIF covers these state-required minimums, known as 30/60/15:
- $30,000 for bodily injury per person.
- $60,000 for bodily injury per accident (if multiple people are hurt).
- $15,000 for property damage.
Beyond the minimum:
Unlike the “bare bones” providers, MAIF also lets you add Full Coverage (Comprehensive and Collision) to protect your actual vehicle. If you have a car loan or lease, your bank will likely require this. Ask us about adding Rental Reimbursement or Roadside Assistance.
How the MAIF Payment Plan Works (18% Down)
Worried about paying a huge lump sum? MAIF now offers a dedicated Installment Plan to help high-risk drivers budget more effectively.
- Lower Down Payment: You only pay 18% of the total annual premium upfront.
- Monthly Payments: You pay the rest in 9 monthly installments.
- First Payment Due Date: You get a 45-day break before the first monthly payment is due.
- Pay in Full Discount: If you can pay for the whole year at once, you save 8%.
Leaving MAIF: How to Get Standard Insurance Again
MAIF is your safety net, not a life sentence. Most drivers use MAIF to get back on their feet. As soon as your driving record clears up (usually 3 years without an accident or ticket), you can switch to a standard, low-cost carrier.
Because GEBCO is a broker, we will automatically shop for standard insurance for you once you are eligible. We want to save you money, even if it means moving you out of MAIF.
Ready to Get Back on the Road?
Don’t let a bad driving record keep you from driving legally in Maryland. MAIF insurance was created for drivers exactly like you. If you’ve been turned down elsewhere and just need a fair chance, we have your back.
At GEBCO, we make it simple. We’ll check your eligibility, explain your coverage options, and help you get a policy that fits your budget. No judgment, or the runaround. Just straight answers and real help.
Call us today at 1-800-464-3226 or request a free quote online. Let’s get you covered!