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Maryland SR-22 & High-Risk Auto Insurance

Maryland requires 30/60/15 liability coverage and is an at-fault state.

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Maryland 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

A defensive driving course does not remove points here

Source: state DMV, insurance department and statute records, verified July 2026

Minimum Coverage Requirements in Maryland

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.

Liability Insurance

Maryland's 30/60/15 minimums are the legal floor, but high-risk drivers often need 100/300/100 or higher to qualify for non-standard carriers willing to file SR-22. Many SR-22 carriers in Maryland require higher limits as a condition of coverage, particularly for DUI convictions.

SR-22 Insurance

SR-22 is not a separate insurance policy—it's a certificate your insurer files with the Maryland MVA proving you carry continuous coverage. If your policy lapses for any reason during the 3-year requirement, your insurer notifies the MVA immediately, triggering license suspension and restarting the SR-22 clock.

Uninsured/Underinsured Motorist Coverage

Maryland requires insurers to offer UM/UIM matching your liability limits unless you reject it in writing. Non-standard carriers may price UM/UIM more aggressively for SR-22 profiles, but declining it leaves you exposed if hit by an uninsured driver while carrying mandatory coverage.

Full Coverage

Full coverage combines liability, comprehensive, and collision insurance. If you finance or lease a vehicle while under SR-22 requirement, lenders mandate full coverage regardless of your driving record.

Non-Standard Auto Insurance

Non-standard carriers specialize in high-risk drivers and SR-22 filings when standard insurers decline coverage. Policies often require 6-month prepayment or monthly payments with fees, and coverage may include mileage restrictions or named-driver exclusions.

What Drivers Pay in Maryland

$216–$256/mo

Typical monthly rate in Maryland, drivers after a speeding ticket

Rate data: ValuePenguin and CarInsurance.com, 2026

What Affects Your Rate

SR-22 filing duration: 3-year requirement keeps you in non-standard market longer than states with 2-year mandates
Credit-based insurance score: Maryland allows credit scoring, which penalizes high-risk drivers more severely than standard profiles

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Maryland SR-22 & High-Risk Auto Insurance

Maryland at a Glance

Minimum Coverage Requirements in Maryland

Liability Insurance

SR-22 Insurance

Uninsured/Underinsured Motorist Coverage

Full Coverage

Non-Standard Auto Insurance

What Drivers Pay in Maryland

What Affects Your Rate

Put Your Record Up Against Every Rate

Coverage Types

Liability Insurance

SR-22 Insurance

Non-Standard Auto Insurance

Uninsured Motorist Coverage

Full Coverage

Collision Coverage

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