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
State Requirements
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.
Bodily Injury Liability
Property Damage Liability
Uninsured Motorist Coverage
Personal Injury Protection (PIP)
SR-22 Insurance
Cost Overview
$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 requirement—adds administrative cost but primarily signals high-risk status, often doubling base premiums
- 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
Find the Insurers That Still Want Your Business
See Carriers That Cover YouFrequently Asked Questions
How long do points stay on my Maryland driving record?
Points remain on your Maryland driving record for 2 years from the date of conviction, though the violation itself stays on your record for 3 years. Insurance companies typically surcharge for violations for 3–5 years depending on severity. Accumulating 8 or more points within 2 years triggers license suspension, but you can take a defensive driving course approved by the Maryland MVA to reduce up to 3 points once every 3 years.
At what point total does Maryland suspend your license?
Maryland suspends your license if you accumulate 8 or more points within 2 years, or 12 or more points total. The suspension period depends on point total: 8–11 points results in suspension until you complete a driver improvement program, while 12+ points triggers a minimum 6-month suspension. Specific violations like DUI or driving on a suspended license result in immediate suspension regardless of point total.
Coverage 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.