Restricted License Insurance — Maryland
Maryland requires 30/60/15 liability coverage and is an at-fault state.
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Maryland at a Glance
30/60/15
Minimum liability limits, in thousands of dollars (per person / per accident / property)
At-fault
The at-fault driver's insurance pays for the damage they cause
Required
PIP and Uninsured motorist coverage must be on every policy
$90
State license reinstatement fee
Source: state DMV, insurance department and statute records, verified 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.
Liability Insurance
Uninsured Motorist Coverage
SR-22 Certificate of Financial Responsibility
Personal Injury Protection (PIP)
Ignition Interlock Device (IID)
What Drivers Pay in Maryland
$421–$488/mo
Typical monthly rate in Maryland, high-risk drivers after a DUI
Rate data: ValuePenguin and Insurify, 2026
Get Insured on Your Restricted License
Get My Restricted License Insurance QuoteIf your license is suspended
Work/education restriction (restricted license); Ignition Interlock Program (alternative to suspension)
application fee $47.
A coverage lapse is reported
The state can act when your insurance lapses.
Source: state DMV, insurance department and statute records, verified July 2026
Frequently Asked Questions
How long does Maryland's Modified Restricted License last?
Maryland's Modified Restricted License lasts for the duration of your suspension minus any time already served, typically 45 days to 1 year for first-offense DUI. The ignition interlock device must remain installed for the full restricted period, and SR-22 filing continues for 3 years from the conviction date regardless of when the restricted license ends.
Can I drive to work with a Maryland Modified Restricted License?
Yes. Maryland's Modified Restricted License allows driving to and from work, medical appointments, alcohol treatment programs, ignition interlock service appointments, and court-ordered obligations. You cannot use the restricted license for recreational driving, errands unrelated to approved purposes, or during hours outside your approved schedule.
Which carriers write Modified Restricted License insurance in Maryland?
The General, Direct Auto, Acceptance Insurance, and National General write Maryland Modified Restricted License policies with SR-22 filing. Standard carriers like State Farm and GEICO typically decline DUI applicants during the restricted period. High-risk specialists offer same-day SR-22 filing and immediate coverage starts.
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.