State Requirements
Maryland mandates minimum liability coverage of $30,000 per person for bodily injury, $60,000 per accident for bodily injury, and $15,000 for property damage. 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.
Cost Overview
High-risk auto insurance premiums in Maryland vary significantly based on violation type, points, age, location, and carrier availability. DUI convictions carry the highest rate increases, often tripling premiums, while point-based suspensions typically increase rates by 80–150%. Baltimore City, Prince George's County, and Montgomery County show the highest premiums for high-risk drivers due to elevated accident rates and repair costs.
What Affects Your Rate
- DUI conviction increases rates by 180–250% for 3–5 years in Maryland
- Point-based suspensions (8+ points) increase rates by 80–140% depending on violation mix
- At-fault accidents without insurance carry 200–300% rate increases and mandatory SR-22
- Baltimore City zip codes show 30–50% higher premiums than suburban counties for identical profiles
- Credit score impacts high-risk rates significantly—poor credit can add 40–80% to premiums
- Age under 25 with SR-22 requirement often results in rates exceeding $500 monthly even for minimum coverage
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Get Your Free QuoteCoverage 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.
