Restricted License Insurance
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Restricted License Insurance — Maryland

Maryland's Modified Restricted License requires SR-22 filing, full liability coverage (30/60/15 minimum), and certified ignition interlock installation through an approved vendor. High-risk carriers in Maryland charge $145–$210/month for Modified Restricted License coverage with SR-22.

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Non-Standard Auto · SR-22 · Senior · Teen Drivers

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Updated July 2026

Minimum Coverage Requirements in Maryland

Maryland operates as an at-fault state, meaning the driver responsible for the accident pays for damages through liability insurance. The Maryland Motor Vehicle Administration requires proof of insurance at registration, during traffic stops, and at license reinstatement after a suspension. Modified Restricted License applicants must carry SR-22 certification for the full 3-year filing period and maintain continuous coverage without lapses.

Maryland cityscape and street view
30/60/15 ($30,000 per person, $60,000 per accident for bodily injury, $15,000 for property damage)
Liability Insurance
Liability coverage pays for injuries and property damage you cause to others in an accident. Maryland's 30/60/15 minimum is below the national median and can be exhausted quickly in multi-vehicle accidents or serious injury claims. One emergency room visit can exceed $30,000, leaving you personally liable for the remainder if you carry only the minimum.
30/60/15 (must be offered; rejection requires written waiver)
Uninsured Motorist Coverage
Uninsured motorist coverage protects you if you're hit by a driver with no insurance or insufficient coverage. Maryland law requires carriers to offer UM/UIM coverage matching your liability limits unless you reject it in writing at policy inception. Verbal rejection does not count, and the coverage is automatically added if the waiver form is not completed.
Required for 3 years after DUI, DWI, or suspension for points
SR-22 Certificate of Financial Responsibility
SR-22 is not insurance but a certificate your carrier files electronically with the Maryland Motor Vehicle Administration proving you carry at least state minimum liability. The filing must remain active for 3 years without lapses. A single missed payment triggers automatic notification to the MVA, which can suspend your license again within 10 days.
Not required (Maryland is not a no-fault state)
Personal Injury Protection (PIP)
Maryland does not require PIP coverage, but carriers must offer it. PIP pays your medical bills and lost wages regardless of fault, covering expenses up to the policy limit without requiring you to sue the other driver. Modified Restricted License holders often add PIP to avoid out-of-pocket medical costs during the restricted period.
Required for all Modified Restricted License holders after DUI/DWI
Ignition Interlock Device (IID)
Maryland requires certified ignition interlock installation through an approved vendor for the duration of the Modified Restricted License period. The device costs $75–$150 to install, $70–$100/month for monitoring and calibration, and must be maintained continuously. Tampering, missed calibrations, or failed breath tests extend the IID requirement and can result in immediate license revocation.
State-Mandated Minimum Coverage · Maryland

Maryland Minimum Coverage

CoverageMinimum
Bodily Injury (per person)$30,000
Bodily Injury (per accident)$60,000
Property Damage$15,000

License Reinstatement Fee$90

Meeting the state minimum keeps you legal. See whether it's enough — get your Maryland quote.

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How Much Does Car Insurance Cost in Maryland?

Maryland Modified Restricted License insurance costs 180–250% more than standard rates due to SR-22 filing fees, high-risk underwriting surcharges, and mandatory ignition interlock monitoring. Carriers price based on violation severity, time since conviction, and county population density.

What Affects Your Rate

  • Baltimore City and Prince George's County rates run 15–25% higher than rural counties due to traffic density and uninsured driver prevalence.
  • First-offense DUI adds $85–$140/month to standard rates; second-offense DUI adds $150–$220/month with fewer carrier options.
  • SR-22 filing fee is $25–$50 upfront in Maryland, then factored into the monthly premium as a compliance surcharge.
  • Ignition interlock monitoring costs $70–$100/month and is billed separately by the IID vendor, not included in insurance premiums.
  • Clean driving for 12 months after Modified Restricted License approval can reduce rates by 10–15% with carriers that offer step-down programs.
  • Non-owner SR-22 policies for drivers without a vehicle cost $35–$65/month but only provide liability coverage, not IID compliance.
Minimum Coverage
$145–$175/mo
State minimum 30/60/15 liability with SR-22 filing. No collision or comprehensive. IID monitoring and calibration billed separately.
Standard Coverage
$175–$210/mo
Liability plus uninsured motorist and limited property damage coverage. Recommended for financed vehicles or drivers with assets to protect.
Full Coverage
$210–$290/mo
Comprehensive and collision with $500–$1,000 deductibles, uninsured motorist, and rental reimbursement. Required by lienholders for financed or leased vehicles.

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Coverage Types

SR-22 Insurance

SR-22 is a certificate your carrier files with the Maryland MVA proving you carry liability insurance. The filing must remain active for 3 years without lapses.

Non-Owner SR-22

Non-owner SR-22 provides liability coverage and SR-22 filing for drivers who do not own a vehicle but need to maintain their license or meet court requirements.

Ignition Interlock Coverage

Coverage for drivers required to install an ignition interlock device. IID monitoring, calibration, and maintenance costs are separate from insurance premiums.

High-Risk Auto Insurance

Non-standard coverage for drivers with DUI convictions, suspended licenses, or multiple violations. Carriers specialize in SR-22 filing and restricted license compliance.

Uninsured Motorist Coverage

Protects you if you're hit by a driver with no insurance. Maryland requires carriers to offer UM/UIM coverage unless you reject it in writing.

Full Coverage Insurance

Liability, collision, and comprehensive coverage. Required by lienholders for financed or leased vehicles and recommended for vehicles worth more than $5,000.

Find Your City in Maryland

Baltimore, Maryland cityscape and street view

Baltimore

urban
Victorian townhouses on tree-lined residential street with lush green foliage and dappled sunlight

Columbia

suburban
Calm lake water reflecting autumn trees with golden foliage, creating mirror-like reflections on blue water surface

Germantown

suburban
Blooming tree on hillside meadow at sunset with golden light filtering through white blossoms and green landscape

Silver Spring

suburban
Frederick, Maryland cityscape and street view

Frederick

suburban
Stone church with red door, round window, and castellated tower surrounded by green trees

Rockville

suburban
European city street with traditional brick buildings, red tile roofs, and wide roadway on overcast day

Gaithersburg

suburban
Colorful wooden houses lining a narrow residential street with traditional architecture and front porches

Annapolis

urban

Frequently Asked Questions

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