Minimum Coverage Requirements in Maryland
Maryland requires minimum liability coverage of 30/60/15: $30,000 per person for bodily injury, $60,000 per accident for bodily injury, and $15,000 for property damage. Drivers with DUI convictions, license suspensions for repeat violations, uninsured accidents causing injury or significant damage, or accumulating 8–11 points on their driving record within 2 years typically face SR-22 filing requirements. The Maryland Motor Vehicle Administration (MVA) mandates SR-22 proof of insurance for 3 years from the date of reinstatement, and any lapse during that period restarts the entire 3-year clock.
How Much Does Car Insurance Cost in Maryland?
High-risk auto insurance rates in Maryland are determined by violation type, years since the incident, age, location, and the number of non-standard carriers willing to compete for your profile. A first-time DUI in Maryland raises premiums by an average of 85%–140% for 3–5 years, while drivers with suspended licenses or multiple at-fault accidents face increases of 60%–110%. Baltimore City, Prince George's County, and Montgomery County have the highest base rates due to accident frequency and uninsured driver density, adding $30–$80/mo to premiums compared to rural counties like Carroll or Frederick.
What Affects Your Rate
- Violation type: DUI increases premiums 85%–140%; suspended license for repeat violations raises rates 60%–110%; at-fault uninsured accident adds 50%–90%
- Years since incident: Rates decline 15%–25% annually after year 2 if no new violations occur; full rate recovery typically takes 5–7 years in Maryland
- Location: Baltimore City averages $340–$510/mo for high-risk full coverage; Frederick County averages $260–$390/mo for the same profile
- Age and experience: Drivers under 25 with SR-22 requirements pay an additional 30%–60% compared to drivers over 30 with identical violations
- Carrier type: Non-standard specialists average 20%–40% higher premiums than standard carriers willing to write high-risk policies with restrictions
- Payment plan: Monthly installments add $8–$15/mo in fees; 6-month pay-in-full can reduce total cost by 5%–8%
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
Pays for injuries and property damage you cause to others. Maryland minimums (30/60/15) are the SR-22 filing floor, but non-standard carriers often require 50/100/50 or higher as a condition of coverage.
SR-22 Insurance
Certificate filed by your insurer to the Maryland MVA proving continuous coverage. Required for DUI, suspended license, and uninsured accidents for 3 consecutive years.
Uninsured Motorist Coverage
Protects you when hit by a driver with no insurance or insufficient coverage. Maryland requires insurers to offer UM/UIM at your liability limits; you must reject it in writing.
Full Coverage
Liability, comprehensive, and collision combined. Required by lenders and protects your vehicle's value in addition to legal liability.
Non-Standard Auto Insurance
Specialty coverage for drivers declined by standard carriers due to DUI, suspensions, or multiple violations. Nearly guaranteed approval but at significantly higher rates.
Collision Coverage
Pays to repair your vehicle after an at-fault accident regardless of who is responsible. Required by lenders; optional if you own your car outright.
