Minimum Coverage Requirements in Maryland
Maryland requires minimum liability coverage of 30/60/15 — $30,000 bodily injury per person, $60,000 per accident, and $15,000 property damage. Drivers convicted of DUI, caught driving uninsured, or who accumulate excessive points may be required to file SR-22 proof of insurance with the Maryland Motor Vehicle Administration (MVA) for 3 years. Maryland also requires uninsured motorist coverage at the same limits as liability, which matters for high-risk drivers who face a higher likelihood of being involved in accidents with uninsured motorists.
How Much Does Car Insurance Cost in Maryland?
High-risk auto insurance premiums in Maryland range from $190–$400/mo depending on violation type, age, location, and driving history. DUI convictions typically increase rates by 80–140% over standard premiums, while at-fault accidents and suspended licenses add 50–90%. Urban areas like Baltimore, Silver Spring, and Hyattsville see the highest premiums due to elevated accident rates, theft, and uninsured driver prevalence.
What Affects Your Rate
- Violation type: DUI convictions increase premiums 80–140%, while at-fault accidents add 50–90%
- SR-22 duration remaining: rates begin to improve 12–18 months after filing ends if no new violations occur
- Location: Baltimore, Prince George's County, and Montgomery County have the highest premiums due to accident frequency and theft rates
- Age and experience: drivers under 25 with SR-22 requirements face premiums 30–60% higher than drivers over 30
- Credit-based insurance score: Maryland allows insurers to use credit in rating, which compounds high-risk premiums for drivers with poor credit
- Carrier selection: non-standard specialists like The General and Bristol West typically offer lower rates than standard carriers for SR-22 drivers
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Get Your Free QuoteCoverage Types
Liability Insurance
Covers injuries and property damage you cause to others in an at-fault accident. Maryland's 30/60/15 minimums may not cover serious claims, especially in high-cost areas like Bethesda or Columbia where medical and repair costs run above the state average.
Full Coverage
Combines liability, comprehensive, and collision to protect both you and other drivers. Required by lenders for financed or leased vehicles, and offers the most complete protection during the SR-22 period.
SR-22 Insurance
SR-22 is a certificate your insurer files with the Maryland MVA proving you carry continuous coverage. The filing itself costs $15–$50, but it signals high-risk status and significantly raises your premiums.
Uninsured Motorist Coverage
Covers your injuries and damages if you're hit by a driver without insurance. Maryland mandates UM coverage at the same limits as your liability policy, and you cannot reject it.
Comprehensive Coverage
Covers damage to your vehicle from theft, vandalism, weather, and animal strikes. Maryland has elevated vehicle theft rates in Baltimore and experiences significant hail and wind damage in western counties.
Non-Standard Auto Insurance
Specialized coverage for drivers with violations, SR-22 requirements, or suspended licenses. Non-standard carriers accept higher-risk profiles that standard insurers typically decline or rate prohibitively high.
