Minimum Coverage Requirements in Maryland
Maryland requires liability minimums of 30/60/15 — $30,000 per person for bodily injury, $60,000 per accident, and $15,000 for property damage. The Maryland Motor Vehicle Administration (MVA) mandates SR-22 filing for DUI convictions, license suspensions, uninsured accidents, and certain repeat violations, typically for 3 years. Drivers who complete their SR-22 period often remain with their current high-risk carrier without realizing that shopping immediately after filing ends can reduce premiums by $600–$1,200 annually.
How Much Does Car Insurance Cost in Maryland?
Post-SR22 drivers in Maryland pay significantly less than during their filing period, but rates remain elevated for 3–5 years depending on violation type and carrier. DUI offenders who complete SR-22 typically pay $145–$310/mo immediately after removal, dropping to $110–$200/mo after 2 years of clean driving. Drivers with suspension or at-fault uninsured accidents recover faster, often reaching near-standard rates within 18–24 months if they shop aggressively and maintain continuous coverage.
What Affects Your Rate
- Time since SR-22 removal — rates drop most in the first 6 months, then gradually over 3–5 years
- Violation type — DUI offenders face longer rate recovery than suspension or points-based SR-22 filers
- Shopping frequency — post-SR22 drivers who compare quotes every 6 months save $600–$1,200 annually compared to those who stay with their SR-22 carrier
- Continuous coverage — gaps of 30+ days after SR-22 removal can increase rates by 20–40% even with a clean driving record
- Geographic location — Baltimore and Prince George's County post-SR22 drivers pay 25–45% more than those in Frederick or Carroll County
- Credit-based insurance score — Maryland allows credit scoring, and post-SR22 drivers with improved credit often see rate reductions of 10–20% even without driving record changes
Your SR-22 period is ending — you can access standard rates again
Most drivers see significant savings when they transition off SR-22. Compare current rates now.
Get Your Free QuoteCoverage Types
Liability Insurance
Covers injuries and property damage you cause to others. Maryland's 30/60/15 minimums are often insufficient for post-SR22 drivers rebuilding financial stability after a violation.
Full Coverage
Combines liability, comprehensive, and collision protection. Post-SR22 drivers often overpay by staying with their SR-22 carrier instead of shopping for bundled full coverage discounts after filing ends.
Comprehensive Coverage
Pays for vehicle damage from theft, weather, vandalism, and animals. Often retained by post-SR22 drivers who drop collision to reduce costs while maintaining continuous coverage.
Uninsured Motorist Coverage
Protects you if hit by a driver without insurance. Maryland requires UM at the same limits as your liability policy unless you reject it in writing.
SR-22 Insurance
Certificate proving continuous coverage to the Maryland MVA for high-risk drivers. Required for 3 years after DUI, suspension, or uninsured accidents.
Non-Standard Auto Insurance
Policies designed for drivers with violations, suspensions, or SR-22 requirements. Post-SR22 drivers often remain in non-standard markets longer than necessary by not shopping aggressively.
