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Maryland SR-22 & High-Risk Auto Insurance

Maryland requires 30/60/15 liability coverage and is an at-fault state.

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Maryland 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

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.

Liability Insurance

Maryland's minimum liability limits are among the lowest in the region and leave significant financial exposure after a serious accident. High-risk drivers should consider 100/300/100 limits to protect assets and reduce personal liability, especially if you own a home or have significant savings.

Uninsured Motorist Coverage

Maryland requires uninsured motorist coverage at the same 30/60/15 limits unless you actively decline it in writing. For high-risk drivers already paying elevated premiums, adding higher uninsured motorist limits costs less than increasing liability and protects you when the other driver can't pay.

Full Coverage

Full coverage combines liability, collision, and comprehensive insurance. If you have a loan or lease, your lender requires it.

SR-22 Insurance

SR-22 is not a separate insurance policy — it's a certificate your insurer files with the Maryland Motor Vehicle Administration proving you carry at least minimum liability coverage. Maryland requires SR-22 for typically 3 years, and any lapse in coverage restarts the clock.

Non-Standard Auto Insurance

Non-standard carriers specialize in high-risk drivers and typically offer more competitive rates than standard carriers after violations. These insurers price risk differently and may not penalize a single DUI or suspended license as heavily as major carriers.

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

  • SR-22 filing status: adds administrative surcharge and limits carrier options to those offering SR-22
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Coverage 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.

Find Your City in Maryland

Baltimore

urban

Columbia

suburban

Germantown

suburban

Silver Spring

suburban

Frederick

suburban

Rockville

suburban

Gaithersburg

suburban

Annapolis

urban