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 with DUI convictions, multiple at-fault accidents, uninsured driving violations, or license suspensions typically must file SR-22 proof of insurance with the Maryland Motor Vehicle Administration (MVA) for 3 years. These state minimums often prove insufficient for high-risk drivers facing litigation risk or non-standard carrier requirements.
How Much Does Car Insurance Cost in Maryland?
High-risk drivers in Maryland pay substantially more than the state average due to violation surcharges, non-standard carrier pricing, and SR-22 filing requirements. A DUI conviction alone can raise premiums 180–250% for 3–5 years, while uninsured accidents or suspensions add 120–200%. Urban drivers in Baltimore and Prince George's County face higher baseline rates than suburban or rural counties.
What Affects Your Rate
- Type of violation: DUI convictions increase rates 180–250%, while uninsured accidents add 120–180%
- Years since violation: Rates drop 15–25% annually as the violation ages, with steepest reductions after year 3
- SR-22 filing duration: 3-year requirement keeps you in non-standard market longer than states with 2-year mandates
- County and ZIP code: Baltimore City and Prince George's County rates run 20–40% higher than rural counties
- Prior insurance lapse: A coverage gap before SR-22 filing adds 30–60% to premiums
- Credit-based insurance score: Maryland allows credit scoring, which penalizes high-risk drivers more severely than standard profiles
Compare rates from carriers that work with drivers who have points
Standard carriers surcharge heavily after violations. These specialists price your specific record differently.
Get Your Free QuoteCoverage Types
Liability Insurance
Covers injuries and property damage you cause to others. Required in Maryland and the foundation of any SR-22 policy.
SR-22 Insurance
Court or MVA-ordered certificate proving you maintain continuous coverage. Filed electronically by your insurer to the Maryland MVA.
Non-Standard Auto Insurance
Coverage from carriers specializing in high-risk drivers. Often the only option after DUI, suspension, or uninsured violation.
Uninsured Motorist Coverage
Protects you if hit by a driver with no insurance or insufficient coverage. Maryland requires insurers to offer it at limits matching your liability.
Full Coverage
Liability plus collision and comprehensive. Mandatory if you finance or lease a vehicle, regardless of driving record.
Collision Coverage
Pays for damage to your vehicle in an at-fault accident. Required by lenders but optional if you own your car outright.
