Updated March 2026
State Requirements
Maryland requires minimum liability coverage of $30,000 per person/$60,000 per accident for bodily injury and $15,000 for property damage, along with $15,000/$30,000 uninsured motorist coverage and $2,500 in Personal Injury Protection (PIP). SR-22 filing is required for DUI convictions, driving without insurance, at-fault accidents while uninsured, repeat serious violations, and license suspensions related to driving offenses. Drivers who accumulate 8 or more points within 2 years face suspension, but most point violations do not trigger SR-22 requirements. The Maryland Motor Vehicle Administration (MVA) notifies drivers when SR-22 filing becomes mandatory.
Cost Overview
High-risk auto insurance in Maryland costs $2,200–$4,800 annually for drivers with violations, compared to $1,100–$1,700 for clean-record drivers, based on available industry data. DUI convictions produce the steepest rate increases, often doubling or tripling premiums for 3–5 years. Drivers with points from standard violations see smaller but still significant increases, typically 20–50% depending on violation severity and carrier.
What Affects Your Rate
- Violation type and severity—DUI adds $1,500–$3,200 annually; at-fault accidents add $800–$1,800; speeding 20+ mph over adds $400–$900
- Number of points on your Maryland driving record—8 points in 2 years triggers suspension; 3–5 points typically raise rates 15–35%
- SR-22 filing requirement—adds administrative cost but primarily signals high-risk status, often doubling base premiums
- Time since violation—rates drop 10–20% per year after the first year if no new violations occur; most violations affect rates for 3–5 years
- Carrier type—non-standard insurers specializing in high-risk drivers (like Dairyland, The General, or Bristol West) often offer better rates than standard carriers post-violation
- Location within Maryland—Baltimore City and Prince George's County have higher base rates due to accident frequency, theft, and uninsured driver density
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 at-fault accident. Maryland requires $30,000/$60,000 bodily injury and $15,000 property damage, but high-risk drivers should consider $100,000/$300,000 to avoid personal liability exposure.
Full Coverage
Combines liability, collision, comprehensive, and Maryland's required uninsured motorist and PIP coverages. Protects your vehicle and finances in most accident, theft, and weather scenarios.
SR-22 Insurance
A certificate filed by your insurer with the Maryland MVA proving continuous coverage. Required for 3 years after DUI, uninsured accidents, or license suspensions related to driving offenses.
Non-Standard Auto Insurance
Policies designed for drivers with violations, suspensions, or SR-22 requirements who cannot obtain coverage from standard carriers. Non-standard insurers specialize in high-risk underwriting and often offer better rates than standard carriers post-violation.
Uninsured Motorist Coverage
Required in Maryland at $30,000/$60,000 for bodily injury and $15,000 for property damage. Covers your medical bills and vehicle damage when hit by a driver with no insurance.
Collision Coverage
Pays to repair or replace your vehicle after an at-fault accident or collision with an object, regardless of who is responsible. Required by lenders if you finance or lease.
