Updated April 2026
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
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Sources
- Maryland Motor Vehicle Administration (MVA) — SR-22 and financial responsibility requirements
- Maryland Insurance Administration — minimum coverage regulations and consumer resources
- Maryland Transportation Code § 17-103 — proof of financial responsibility statutes