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.
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
See how much your violation actually affects your rates
Not every carrier surcharges the same way. Compare quotes from carriers that rate violations differently.
Get Your Free QuoteCoverage 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.
