Updated April 2026
State Requirements
Maryland requires minimum liability coverage of $30,000 per person for bodily injury, $60,000 per accident for bodily injury, and $15,000 for property damage (30/60/15). Drivers with DUI convictions, at-fault uninsured accidents, repeat violations, or suspended licenses must also file SR-22 proof of financial responsibility with the Maryland Motor Vehicle Administration. The MVA monitors SR-22 status continuously, and any lapse in coverage triggers immediate license suspension. For high-risk drivers, state minimums rarely provide adequate protection given elevated accident risk and potential civil judgments.
Cost Overview
High-risk auto insurance in Maryland costs substantially more than standard coverage due to violation-based underwriting and limited carrier competition in the non-standard market. SR-22 drivers typically pay $2,800–$5,200 annually for minimum liability, with DUI offenders and repeat violators at the higher end of that range. Rates decline gradually as violations age off your MVA record — most moving violations affect rates for 3 years, while DUIs impact pricing for 5–7 years depending on carrier.
What Affects Your Rate
- Type of violation: DUI convictions increase rates 80–150% over standard premiums, while speeding tickets add 20–40%
- Years since violation: Rates drop significantly after 3 years for most offenses, with full standard rates available 5–7 years post-DUI
- SR-22 filing requirement: The filing itself costs $15–$50, but the high-risk classification raises premiums by 50–200% depending on carrier
- Location within Maryland: Baltimore City averages $600–$900 more annually than rural counties due to higher accident frequency and theft rates
- Coverage lapses: Any gap in coverage during SR-22 period resets the 3-year clock and adds additional suspension points to your MVA record
- Credit history: Maryland allows credit-based insurance scoring, and poor credit combined with violations can double premiums compared to high-risk drivers with good credit
Get non-owner SR-22 coverage without owning a vehicle
Compare carriers that offer non-owner policies with SR-22 filing — required for reinstatement in most states.
Get Your Free QuoteCoverage Types
Liability Insurance
Covers injuries and property damage you cause to others. Maryland's 30/60/15 minimum is rarely enough for serious accidents — medical bills from multi-car crashes routinely exceed $100,000.
SR-22 Filing
Certificate your insurer files with the MVA proving you maintain liability coverage. The filing itself is simple, but finding a carrier willing to write SR-22 in Maryland limits your options to non-standard insurers.
Uninsured Motorist Coverage
Pays your medical bills and lost wages if you're hit by an uninsured driver. Maryland requires insurers to offer this at the same limits as your liability policy, and you must reject it in writing.
Collision Coverage
Repairs or replaces your vehicle after an at-fault accident. High-risk drivers often consider dropping this to reduce premiums, but losing your vehicle while under SR-22 creates severe mobility problems.
Comprehensive Coverage
Covers theft, vandalism, weather damage, and animal strikes. Does not add points to your record and is typically cheaper than collision.
Non-Standard Auto Insurance
Specialized coverage for drivers standard carriers decline due to violations, SR-22 requirements, or lapses. Non-standard insurers charge higher premiums but accept risk profiles that Geico, State Farm, and Allstate typically reject.
