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.
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.
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Get Your Free QuoteCoverage 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.
