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 for bodily injury, and $15,000 for property damage. SR-22 filing is typically required after DUI convictions, driving on a suspended license, repeat violations, or uninsured accidents. Maryland also requires uninsured motorist coverage at the same 30/60/15 limits unless you decline it in writing. For drivers with points from speeding tickets or at-fault accidents, SR-22 is usually not required — but rates still increase substantially.
How Much Does Car Insurance Cost in Maryland?
High-risk insurance rates in Maryland vary widely based on violation type, driving history, and vehicle. A DUI typically increases premiums by 80–150%, while a single at-fault accident may increase rates by 40–70%. Speeding tickets and point violations add 15–40% depending on severity. Shopping among non-standard carriers is the highest-leverage action — rate differences for the same profile can exceed $100/mo between carriers.
What Affects Your Rate
- Violation type: DUI increases rates 80–150%, at-fault accidents 40–70%, speeding tickets 15–40%
- Time since violation: rates drop 10–30% per year as violations age, with significant drops after 3 years
- Point accumulation: 5–8 points typically adds 30–60% to premiums, 8+ points may require non-standard carriers
- SR-22 filing status: adds administrative surcharge and limits carrier options to those offering SR-22
- ZIP code: Baltimore city rates run 20–40% higher than suburban counties like Howard or Carroll
- Vehicle type: insuring a high-value or high-performance vehicle with a violation can add $80–$150/mo
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Sources
- Maryland Motor Vehicle Administration - SR-22 and Financial Responsibility Requirements
- Maryland Insurance Administration - Minimum Coverage Standards
- Insurance Information Institute - High-Risk Auto Insurance Data