Minimum Coverage Requirements in Maryland
Maryland requires minimum liability coverage of 30/60/15: $30,000 bodily injury per person, $60,000 per accident, and $15,000 property damage. The Maryland Motor Vehicle Administration (MVA) mandates SR-22 filing for DUI convictions, driving without insurance, multiple serious violations, and license suspensions. High-risk drivers typically need coverage above state minimums to secure acceptance from non-standard carriers and protect against judgment risk after an at-fault accident.
How Much Does Car Insurance Cost in Maryland?
High-risk insurance in Maryland typically costs $200–$400/mo for minimum liability with SR-22, compared to $80–$120/mo for a standard driver. DUI convictions carry the steepest surcharge, often doubling or tripling premiums for 3–5 years. Maryland uses a point system: accumulating 8–12 points within 2 years triggers license suspension and SR-22 requirements, compounding insurance costs.
What Affects Your Rate
- Violation type: DUI adds 150–250% premium increase, at-fault accidents add 40–80%, reckless driving adds 50–100%
- Points on license: 5–7 points add 30–60% surcharge, 8–12 points often require non-standard carrier
- Time since violation: premiums drop 20–40% after 3 years clean driving, more after 5 years
- SR-22 duration remaining: rates improve as you approach the end of the 3-year requirement period
- Coverage level: increasing liability limits from 30/60/15 to 100/300/100 adds $30–$60/mo but opens standard carrier options
- Baltimore metro vs. rural: urban zip codes see 15–30% higher rates due to theft and accident frequency
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. Maryland's 30/60/15 minimum is often insufficient after serious accidents, leaving you liable for the balance.
SR-22 Insurance
Certificate filed with the MVA proving continuous coverage. Required for 3 years after DUI, uninsured driving, or suspension.
Non-Standard Auto Insurance
Specialized coverage for drivers declined by standard carriers due to DUI, lapses, violations, or SR-22 requirements.
Full Coverage
Liability, comprehensive, and collision combined. Required for financed or leased vehicles and recommended for cars worth over $5,000.
Uninsured Motorist Coverage
Covers your injuries and damages when hit by an uninsured or underinsured driver. Maryland requires insurers to offer it at your liability limits.
Collision Coverage
Covers damage to your vehicle in an at-fault accident. Required by lenders but optional if you own your car outright.
