Virginia's FR-44 bodily injury minimum is $60,000 per accident. Maryland's is $30,000. When you move states, your filing requirement doesn't transfer, but your carrier may still demand Virginia-level coverage until your 3-year period ends.
Does your Virginia FR-44 requirement follow you to Maryland?
No. FR-44 is a Virginia-specific filing tied to your Virginia driver's license and vehicle registration. When you establish legal residency in Maryland and surrender your Virginia license, the FR-44 requirement ends immediately.
Maryland does not use FR-44. Maryland uses SR-22 for high-risk drivers, and only specific violations trigger it: DUI convictions, driving without insurance, at-fault accidents while uninsured, or accumulating 8 points in 2 years. If your Virginia FR-44 was triggered by a DUI, Maryland may require SR-22 when you apply for your Maryland license, but that's a new Maryland-initiated requirement, not a continuation of Virginia's FR-44.
The Virginia DMV has no jurisdiction over your Maryland license. Your Virginia FR-44 filing becomes administratively irrelevant the moment you complete your Maryland residency change and license transfer.
Why carriers still charge you Virginia-level coverage limits after you move
Virginia's FR-44 requires $60,000 bodily injury per accident. Maryland's minimum is $30,000 per person, $60,000 per accident, $15,000 property damage. On paper, Maryland's per-accident bodily injury floor matches Virginia's. In practice, most Maryland drivers carry split limits, and the effective minimum is lower.
When you move and transfer your policy mid-term, your carrier's underwriting system flags your profile: FR-44 filer, high-risk driver, violation within the past 3 years. Even though your FR-44 filing obligation ended, the carrier often continues rating you as if the Virginia requirement still applies. This happens because most national carriers use a single high-risk pricing tier for all SR-22 and FR-44 filers, and the system doesn't automatically downgrade you when you cross state lines.
You'll see this in your renewal quote: coverage limits identical to what Virginia required, premium barely changed, no adjustment for Maryland's lower floor. The carrier isn't lying to you, they're just not proactively resetting your tier. You have to request the change.
Find out exactly how long SR-22 is required in your state
How to force the bodily injury reset when you move
Call your carrier within 10 days of establishing Maryland residency. Tell them you've moved, surrendered your Virginia license, and obtained a Maryland license. Request that they re-quote your policy using Maryland minimum liability limits. Do not assume the carrier will do this automatically when you update your garaging address.
If your carrier refuses to adjust your limits or drops you entirely at renewal, you're now shopping as a Maryland high-risk driver with a recent violation. Maryland SR-22 carriers writing non-standard auto in the state include The General, Direct Auto, Acceptance Insurance, Bristol West, and National General. Progressive writes high-risk through its Progressive Specialty Auto subsidiary. State Farm and GEICO route most SR-22 business to partner carriers or decline to renew.
Request quotes from at least three carriers. Maryland does not mandate continuous coverage at Virginia FR-44 limits once your Virginia filing ends. If a carrier insists you maintain $60,000 per accident bodily injury, ask them to cite the Maryland statute or underwriting rule requiring it. If they cannot, move to the next carrier.
What happens if Maryland DMV requires SR-22 after your move
If your Virginia FR-44 was triggered by a DUI, Maryland may impose its own SR-22 requirement when you apply for a Maryland driver's license. Maryland requires SR-22 for DUI convictions, and the Interstate Driver's License Compact allows Maryland to see your Virginia conviction record.
Maryland SR-22 filing period for DUI is 3 years from the date of conviction, not from the date you move or file. If your Virginia DUI conviction is already 2 years old when you move to Maryland, your Maryland SR-22 requirement will only last 1 additional year. Maryland does not restart the clock. The original conviction date controls the timeline in both states.
Maryland SR-22 filing fee is typically $25–$50, paid to your carrier, who then files electronically with Maryland MVA. Maryland does not charge a separate state filing fee. If your carrier quotes you a filing fee over $75, confirm whether that's the SR-22 filing fee or a reinstatement fee. They are different, and reinstatement fees in Maryland range from $50 to $150 depending on the suspension reason.
Timeline: when your Virginia FR-44 coverage obligation actually ends
Your FR-44 filing obligation ends the day you surrender your Virginia driver's license and vehicle registration. Virginia cannot enforce an FR-44 requirement on a driver who no longer holds a Virginia license.
Your carrier's pricing obligation is different. Most carriers will continue charging you Virginia-level premiums until you explicitly request a policy re-rate based on your new Maryland residency and Maryland minimums. This often doesn't happen until your next renewal, which can be 6–12 months after your move.
If you moved to Maryland in January but your policy renews in October, you may pay Virginia-level premiums for 9 months unnecessarily unless you call and request the re-rate. Some carriers allow mid-term re-rating for moves. Others require you to cancel your existing policy and rewrite a new Maryland policy, which can trigger a cancellation fee or loss of multi-policy discounts.
Ask your carrier: does a state move trigger an automatic policy re-rate, or do I need to cancel and rewrite to access Maryland pricing? If the answer is cancel and rewrite, calculate whether the savings from Maryland's lower minimums offset the cancellation fee and potential rate increase from a mid-term policy start.
