Maryland SR-22 & High-Risk Auto Insurance
Maryland requires 30/60/15 liability coverage and is an at-fault state.
Find SR-22 Coverage NowMaryland 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
State Requirements
The state requires SR-22 filing when drivers are convicted of DUI, accumulate 8 or more points within 2 years, cause an accident without insurance, or have their license suspended for certain violations. Drivers with SR-22 requirements must maintain continuous coverage for 3 years or the filing period restarts. Maryland also requires uninsured motorist coverage at the same limits as liability, which matters significantly for high-risk drivers who face greater exposure in accidents.
Bodily Injury Liability
Property Damage Liability
Uninsured Motorist Coverage
SR-22 Certificate Filing
Personal Injury Protection (Optional)
Cost Overview
$326–$421/mo
Typical monthly rate in Maryland, drivers with an SR-22 after a DUI
Rate data: ValuePenguin and NerdWallet, 2026
See What Your SR-22 Should Really Cost
Find SR-22 Coverage NowIf 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
Frequently Asked Questions
How long do I need SR-22 in Maryland?
Maryland requires SR-22 filing for 3 years from the date of compliance or license reinstatement. Any lapse in coverage during this period restarts the full 3-year clock and triggers immediate license suspension. The MVA monitors SR-22 status electronically, so your carrier notifies the state within 24 hours of policy cancellation or non-payment.
Which insurance companies offer SR-22 in Maryland?
Non-standard carriers offering SR-22 filing in Maryland include The General, Bristol West, National General, and Progressive's non-standard division. Standard carriers like State Farm, GEICO, and Allstate typically non-renew policies after violations requiring SR-22. Carrier availability varies by county—some insurers will not write policies in Baltimore City for drivers with multiple violations or DUI convictions.
Coverage Types
SR-22 Insurance
SR-22 is a certificate filed by your insurer proving you maintain Maryland's minimum required coverage. You need it after DUI, major violations, or uninsured accidents. Not all carriers offer SR-22—most standard insurers will drop you, requiring placement with non-standard carriers.
Liability Insurance
Covers injury and property damage you cause to others. Maryland requires $30,000/$60,000 for bodily injury and $15,000 for property damage, but these limits are often insufficient for high-risk drivers who face elevated lawsuit risk due to driving history.
Uninsured Motorist Coverage
Protects you when hit by a driver without insurance or with insufficient coverage. Maryland requires this coverage at the same limits as your liability policy unless you reject it in writing.
Non-Standard Auto Insurance
Coverage designed for high-risk drivers who cannot obtain policies from standard carriers due to violations, SR-22 requirements, or lapses. Non-standard carriers specialize in DUI, suspended license reinstatement, and point-heavy driving records.
Comprehensive Coverage
Covers damage to your vehicle from theft, vandalism, weather, and animal strikes. Not required by Maryland but mandatory if you finance or lease your vehicle.
Collision Coverage
Pays for damage to your vehicle after an accident regardless of fault. Required by lenders but optional if you own your vehicle outright.