Maryland SR-22 & High-Risk Auto Insurance
Maryland requires 30/60/15 liability coverage and is an at-fault state.
Compare Rates After a ViolationMaryland 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
No
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 convicted of DUI, caught driving uninsured, or with suspended licenses typically must file SR-22 proof of financial responsibility with the Maryland Motor Vehicle Administration (MVA) for 3 years. The SR-22 itself is not insurance but a certificate your insurer files to prove continuous coverage. If your policy lapses during the SR-22 period, your insurer notifies the MVA within 10 days and your license is suspended again.
Liability Insurance
SR-22 Insurance
Uninsured Motorist Coverage
Full Coverage
Non-Standard Auto Insurance
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
- ZIP code: Baltimore City and Prince George's County show higher non-standard rates due to uninsured motorist density and collision frequency
Shop Again Before Your Next Renewal Hits
Compare Rates After a ViolationCoverage Types
SR-22 Insurance
A certificate your insurer files with the MVA to prove continuous liability coverage. Required for 3 years after DUI, suspension, or uninsured driving.
Non-Standard Auto Insurance
Coverage from insurers that specialize in high-risk drivers including DUI, multiple violations, lapses, and SR-22 filings. Higher premiums but accept profiles standard carriers decline.
Liability Insurance
Covers injury and property damage you cause to others. Maryland's 30/60/15 minimums are the legal floor but are often insufficient after serious accidents.
Full Coverage
Combines liability, collision, and comprehensive coverage. Protects both your financial responsibility and your vehicle's repair or replacement costs.
Uninsured Motorist Coverage
Covers your medical bills and vehicle damage if you are hit by a driver without insurance or a hit-and-run driver.
Collision Coverage
Pays for damage to your vehicle after an at-fault accident, regardless of who is responsible. Required by lenders and lessors.