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
Compare rates from carriers that work with drivers who have points
Standard carriers surcharge heavily after violations. These specialists price your specific record differently.
Get Your Free QuoteCoverage Types
Liability Insurance
Covers injuries and property damage you cause to others in an accident. Maryland's 30/60/15 minimums are low — a serious accident can easily exceed these limits.
Full Coverage
Combines liability, collision, and comprehensive coverage. Required by lenders if you finance or lease your vehicle.
SR-22 Insurance
A certificate filed with the Maryland MVA proving you carry minimum liability coverage. Required after DUI, suspended license, or court order.
Non-Standard Auto Insurance
Coverage from carriers specializing in high-risk drivers. These insurers price violations differently than standard carriers and often offer lower rates after DUI or suspension.
Uninsured Motorist Coverage
Pays for your injuries and vehicle damage when you're hit by a driver with no insurance. Maryland requires 30/60/15 unless you waive it in writing.
Collision Coverage
Pays to repair or replace your vehicle after an accident, regardless of fault. Subject to your chosen deductible.
