Violation Insurance
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Maryland DUI & Violation Insurance Requirements

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

No

A defensive driving course does not remove points here

Source: state DMV, insurance department and statute records, verified July 2026

Minimum Coverage Requirements in Maryland

Most Maryland insurers do not cancel policies immediately after a DUI or serious violation—they wait until your renewal date and then non-renew, giving you 45-60 days' notice. During that window, you must secure new coverage from a carrier that offers SR-22 filing capability. The Maryland Motor Vehicle Administration (MVA) requires continuous SR-22 certification for three years following certain convictions, and any lapse in coverage triggers license suspension and restarts the filing clock.

SR-22 Certificate

SR-22 is not a type of insurance—it is a certificate your insurer files with the MVA proving you carry at least the state minimum liability coverage (30/60/15). Not all carriers offer SR-22 filing capability. Maryland requires this filing for three years following DUI convictions, license suspensions for points, and certain reckless driving offenses.

Non-Standard Auto Insurance

Non-standard auto insurance is coverage sold by carriers that specialize in high-risk drivers—those with DUIs, major violations, lapses, or suspensions on their record. These policies typically cost 2-3 times standard market rates but provide the SR-22 filing service Maryland requires. Most standard carriers (GEICO, State Farm, Progressive) will non-renew violation drivers rather than move them to non-standard divisions.

High-Risk Auto Insurance

High-risk auto insurance covers drivers the standard market considers uninsurable due to recent DUIs, suspended licenses, or multiple at-fault accidents. Maryland law does not require you to buy more than minimum liability limits, but lenders require comprehensive and collision if you finance or lease a vehicle—even after a DUI.

Liability Insurance

These minimums apply to all drivers, but violation drivers must prove continuous coverage through SR-22 filing. Liability-only policies are the cheapest option if you own your vehicle outright and want to meet legal requirements at minimum cost.

What Drivers Pay in Maryland

$216–$256/mo

Typical monthly rate in Maryland, drivers after a speeding ticket

Rate data: ValuePenguin and CarInsurance.com, 2026

What Affects Your Rate

  • Time since violation (rates drop significantly after the 3-year SR-22 period ends and the offense ages beyond 5 years on your MVA record)
  • Carrier availability (only 15-20 non-standard carriers actively write SR-22 policies in Maryland; limited competition keeps rates high)
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Coverage Types

SR-22 Insurance

Liability coverage with SR-22 certificate filing. Required by the MVA for three years after DUI, suspension, or refusal convictions. The SR-22 itself costs $15-$50, but the underlying policy premium increases 80-200% due to the violation.

Non-Standard Auto Insurance

Coverage from carriers that specialize in high-risk drivers. Most standard-market insurers (State Farm, GEICO, Nationwide) non-renew Maryland DUI drivers rather than offer SR-22 filing, forcing you into the non-standard market.

High-Risk Auto Insurance

Full-coverage policies for drivers with DUIs, suspensions, or multiple violations. Includes comprehensive and collision in addition to liability and SR-22 filing—necessary if you finance or lease a vehicle.

Liability Insurance

Minimum-limit coverage that satisfies Maryland's 30/60/15 requirement. Cheapest option for violation drivers who own vehicles outright and need only to meet SR-22 filing obligations.

Find Your City in Maryland

Baltimore

urban

Columbia

suburban

Germantown

suburban

Silver Spring

suburban

Frederick

suburban

Rockville

suburban

Gaithersburg

suburban

Annapolis

urban