Maryland SR-22 Insurance & High-Risk Auto Coverage
Maryland requires 30/60/15 liability coverage and is an at-fault state.
Find Affordable Coverage After SR-22Maryland 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
Minimum Coverage Requirements in Maryland
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.
Liability Insurance
SR-22 Insurance
Uninsured Motorist Coverage
Full Coverage
Comprehensive Coverage
What Drivers Pay in Maryland
$421–$488/mo
Typical monthly rate in Maryland, high-risk drivers after a DUI
Rate data: ValuePenguin and Insurify, 2026
What Affects Your Rate
- 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
- 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
Your SR-22 Is Over. Your Rate Should Drop Too
Find Affordable Coverage After SR-22If 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
Coverage 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.