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, and $15,000 for property damage. 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.
How Much Does Car Insurance Cost in Maryland?
High-risk drivers in Maryland pay an average of $210–$410/mo for liability coverage with SR-22 filing, compared to $85–$140/mo for clean-record drivers. Rates vary based on violation type, age, vehicle, and how long ago the violation occurred. DUI convictions increase premiums by 80–150% for the first 3 years, while at-fault accidents and lapses add 40–90%.
What Affects Your Rate
- Violation type: DUI increases rates 80–150%, at-fault accidents 40–90%, lapses 30–70%
- Time since violation: rates drop 10–20% at the 1-year mark, 20–35% after 3 years, and 40–60% after 5 years
- Age and gender: male drivers under 25 with DUI convictions pay 20–40% more than drivers over 30
- ZIP code: Baltimore City and Prince George's County show higher non-standard rates due to uninsured motorist density and collision frequency
- Insurer type: non-standard carriers charge 60–120% more than standard carriers but are often the only option during the SR-22 period
- Payment plan: paying in full saves 5–10% versus monthly installments; non-standard carriers often require 25–40% down
See how much your violation actually affects your rates
Not every carrier surcharges the same way. Compare quotes from carriers that rate violations differently.
Get Your Free QuoteCoverage 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.
