State Requirements
Maryland requires minimum liability coverage of $30,000 per person for bodily injury, $60,000 per accident for bodily injury, and $15,000 for property damage (30/60/15). Drivers with DUI convictions, license suspensions for violations, or uninsured accidents must file SR-22 proof of financial responsibility with the Maryland Motor Vehicle Administration (MVA). High-risk drivers often need coverage above state minimums to satisfy SR-22 requirements and access non-standard carriers willing to write policies after major violations.
Cost Overview
High-risk drivers in Maryland face significantly elevated premiums due to the state's strict point system and mandatory SR-22 filing for serious violations. A clean-record driver in Maryland averages $1,200–$1,800 annually for full coverage, while DUI convictions, SR-22 requirements, or multiple at-fault accidents push rates to $2,600–$6,800 annually depending on violation severity and carrier tier. Urban areas like Baltimore and suburban Washington D.C. counties add 20–40% to base rates due to higher accident frequency and theft rates.
What Affects Your Rate
- Violation type: DUI convictions increase rates 80–200%, while reckless driving adds 50–120%
- SR-22 filing requirement: Limits carrier options to non-standard insurers with higher base rates
- County of residence: Baltimore City and Prince George's County rates run 25–45% higher than rural Western Maryland
- Age and violation combination: Drivers under 25 with DUI face some of the highest rates in the state, often $6,000–$8,000 annually
- Time since violation: Rates typically decrease 15–25% after the first year of clean driving post-conviction
- Prior insurance lapse: Gaps in coverage during SR-22 period compound rate increases and extend filing requirements
Get non-owner SR-22 coverage without owning a vehicle
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Get Your Free QuoteCoverage Types
SR-22 Insurance
Certificate proving you carry Maryland's minimum liability coverage, filed directly by your insurer with the MVA. Required for DUI convictions, license suspensions, and uninsured accidents. Must remain active for 3 consecutive years without lapse.
Liability Insurance
Covers bodily injury and property damage you cause to others. Maryland's 30/60/15 minimums are low—serious accidents routinely exceed these limits, exposing you to lawsuits and wage garnishment.
Uninsured Motorist Coverage
Protects you when hit by a driver with no insurance or insufficient coverage. Maryland requires insurers to offer it, but you can waive in writing.
Non-Standard Auto Insurance
Policies designed for drivers with DUIs, violations, accidents, or SR-22 requirements. Non-standard carriers accept higher-risk profiles that standard insurers decline.
Collision Coverage
Pays to repair or replace your vehicle after an at-fault accident. Required by lenders and essential for drivers who depend on their car for work.
Comprehensive Coverage
Covers theft, vandalism, weather damage, and animal strikes. Required by lienholders and valuable in areas with high vehicle theft.
