Maryland SR-22 & High-Risk Auto Insurance
Maryland requires 30/60/15 liability coverage and is an at-fault state.
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Maryland at a Glance
30/60/15
Minimum liability limits, in thousands of dollars (per person / per accident / property)
At-fault
The at-fault driver's insurance pays for the damage they cause
Required
PIP and Uninsured motorist coverage must be on every policy
$90
State license reinstatement fee
Source: state DMV, insurance department and statute records, verified July 2026
State Requirements
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.
Liability Insurance
SR-22 Insurance
Uninsured Motorist Coverage
Collision Coverage
Comprehensive Coverage
Cost Overview
$43/mo
Typical monthly rate in Maryland, non-owner policies
Rate data: Insure.com, 2026
What Affects Your Rate
- Years since violation: Rates drop significantly after 3 years for most offenses, with full standard rates available 5–7 years post-DUI
- 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
Stay Covered While You Drive Borrowed Cars
Find Coverage After ViolationsIf your license is suspended
Work/education restriction (restricted license); Ignition Interlock Program (alternative to suspension)
application fee $47.
A coverage lapse is reported
The state can act when your insurance lapses.
Source: state DMV, insurance department and statute records, verified July 2026
Frequently Asked Questions
How long do I need SR-22 in Maryland after a DUI?
Maryland requires SR-22 filing for 3 years from your license reinstatement date following a DUI conviction. The clock does not start until you reinstate your license and file the SR-22, so delays in reinstatement extend the total time before you're free of the requirement. If your coverage lapses at any point during those 3 years, the MVA suspends your license and the 3-year period resets from your new reinstatement date.
Do I need SR-22 for a suspended license in Maryland?
It depends on the reason for suspension. Maryland requires SR-22 if your license was suspended for DUI, driving uninsured, accumulating excessive points, or refusing a chemical test. Administrative suspensions for unpaid tickets or child support may not require SR-22. Check your MVA suspension notice or contact the MVA at 410-768-7000 to confirm whether SR-22 filing is required for reinstatement.
Coverage 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.