Maryland SR-22 Insurance & High-Risk Auto Coverage
Maryland requires 30/60/15 liability coverage and is an at-fault state.
Find Coverage After a Traffic ViolationMaryland 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
No
A defensive driving course does not remove points here
Source: state DMV, insurance department and statute records, verified July 2026
Minimum Coverage Requirements in Maryland
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.
Liability Insurance
SR-22 Insurance
Non-Standard Auto Insurance
Uninsured Motorist Coverage
Full Coverage
What Drivers Pay in Maryland
$216–$256/mo
Typical monthly rate in Maryland, drivers after a speeding ticket
Rate data: ValuePenguin and CarInsurance.com, 2026
See Who Will Insure You After a Ticket
Find Coverage After a Traffic ViolationCoverage Types
SR-22 Insurance
Financial responsibility certificate filed by your carrier to prove continuous coverage to the MVA. Required for DUI, uninsured driving, serious suspensions, and point accumulation in Maryland.
Non-Standard Auto Insurance
Policies designed for drivers with DUIs, suspensions, lapses, or multiple violations. Non-standard carriers accept higher-risk profiles and often include SR-22 filing at no extra cost.
Liability Insurance
Covers injuries and property damage you cause to others in an accident. Maryland's 30/60/15 minimums may not cover the full cost of a serious crash—medical bills alone often exceed $30,000 per person.
Full Coverage
Liability, collision, and comprehensive bundled together. Required by lenders if you finance or lease a vehicle, and protects your car's value in addition to legal liability.
Uninsured Motorist Coverage
Pays for your injuries and damage if you're hit by a driver with no insurance or insufficient limits. Maryland does not mandate UM coverage but carriers must offer it.
Collision Coverage
Pays to repair or replace your vehicle after an accident, regardless of fault. Required by lenders and recommended for newer or financed vehicles.