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Maryland SR-22 Insurance & High-Risk Auto Coverage

Maryland requires SR-22 filing for DUI convictions, license suspensions, and driving uninsured. The filing requirement typically lasts 3 years and costs $15–$50 to add to your policy, but high-risk premiums average $240–$450/mo depending on your violation type and driving history.

Maryland cityscape and street view

Updated April 2026

Minimum Coverage Requirements in Maryland

Maryland requires minimum liability coverage of 30/60/15: $30,000 per person for bodily injury, $60,000 per accident for bodily injury, and $15,000 for property damage. Drivers convicted of DUI, those with license suspensions for serious violations, or individuals caught driving uninsured typically receive an SR-22 requirement from the Maryland Motor Vehicle Administration (MVA). The SR-22 is not insurance itself—it's a certificate your carrier files with the MVA to prove you maintain continuous coverage. If your policy lapses during the required filing period, your license suspension reinstates immediately.

How Much Does Car Insurance Cost in Maryland?

High-risk auto insurance rates in Maryland vary widely based on violation type, age, location, and driving history. A DUI conviction typically raises premiums by 80–150% compared to a clean record, while a single at-fault accident may increase rates by 40–70%. Non-standard carriers often offer the most competitive pricing for drivers with SR-22 requirements, especially in urban counties like Baltimore City and Prince George's where standard carriers assign higher base rates.

Minimum Liability
Maryland's 30/60/15 minimum limits with SR-22 filing. Reflects rates for a driver with one major violation such as DUI or uninsured driving within the past 2 years.
Standard Liability
Increased limits such as 50/100/50 or 100/300/50 to reduce out-of-pocket exposure after another accident. Adds $30–$60/mo over minimum coverage but provides substantially more protection.
Full Coverage
Liability plus collision and comprehensive for financed or leased vehicles, or drivers who want to protect their vehicle's value. Higher deductibles ($1,000 vs. $500) reduce monthly cost by $40–$80.

What Affects Your Rate

  • Violation type—DUI surcharges are 80–150% higher than at-fault accident surcharges for 3–5 years
  • Time since violation—rates typically drop by 10–20% each year without a new incident
  • County and ZIP code—urban areas like Baltimore City and Prince George's County have base rates 15–30% higher than rural counties
  • Age and experience—drivers under 25 with a DUI may pay $400–$600/mo, while drivers over 30 with the same violation may pay $280–$420/mo
  • Coverage selection—choosing a $1,000 deductible instead of $500 reduces premiums by $40–$80/mo
  • Carrier type—non-standard carriers specializing in high-risk profiles often quote 20–40% lower than standard carriers post-violation

Compare Auto Insurance Rates in Maryland

Find Your City in Maryland

Baltimore, Maryland cityscape and street view

Baltimore

urban
Victorian townhouses on tree-lined residential street with lush green foliage and dappled sunlight

Columbia

suburban
Calm lake water reflecting autumn trees with golden foliage, creating mirror-like reflections on blue water surface

Germantown

suburban
Blooming tree on hillside meadow at sunset with golden light filtering through white blossoms and green landscape

Silver Spring

suburban
Frederick, Maryland cityscape and street view

Frederick

suburban
Stone church with red door, round window, and castellated tower surrounded by green trees

Rockville

suburban
European city street with traditional brick buildings, red tile roofs, and wide roadway on overcast day

Gaithersburg

suburban
Colorful wooden houses lining a narrow residential street with traditional architecture and front porches

Annapolis

urban

Sources

  • Maryland Motor Vehicle Administration (MVA) — SR-22 and financial responsibility requirements
  • Maryland Insurance Administration — minimum coverage standards and carrier regulations
  • Maryland Transportation Code § 17-107 — point system and suspension thresholds

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