Maryland SR-22 After DUI: Requirements & Costs
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 under a traditional tort system, meaning the at-fault driver's liability coverage pays for damages. The Maryland Motor Vehicle Administration (MVA) requires continuous SR-22 filing for 3 years after a DUI conviction, starting from your license reinstatement date, not your conviction date. If your SR-22 lapses for any reason during those 3 years, the MVA suspends your license immediately and the 3-year clock resets from your next reinstatement.
Bodily Injury Liability
Property Damage Liability
Uninsured Motorist Coverage
Personal Injury Protection (PIP)
What Drivers Pay in Maryland
$326–$421/mo
Typical monthly rate in Maryland, drivers with an SR-22 after a DUI
Rate data: ValuePenguin and NerdWallet, 2026
What Affects Your Rate
- Conviction class: first-offense standard DUI adds 80–120 percent to base rates, aggravated DUI (BAC over 0.15 or accident with injury) adds 150–200 percent, repeat-offense or refusal adds 200–300 percent.
- Filing start date confusion: Maryland measures the 3-year SR-22 period from reinstatement date, not conviction date. Drivers who delay reinstatement extend their total compliance timeline and pay higher rates during restricted-license periods.
- Carrier tier: mainstream carriers like State Farm and Geico will file SR-22 for existing customers but typically non-renew at policy term. New SR-22 policies require non-standard carriers like Dairyland, Bristol West, or The General, which charge 20–40 percent higher base rates.
- Maryland allows non-owner SR-22 to satisfy MVA filing requirements as long as you do not own or regularly operate a vehicle.
- Ignition interlock overlap: Maryland courts often order IID installation for 6–12 months alongside SR-22. Carriers apply an additional 10–15 percent surcharge during the IID period because device compliance failures trigger new violations.
- Baltimore and Prince George's County: urban drivers in Baltimore City and Prince George's County pay 15–25 percent more than suburban or rural Maryland drivers due to higher theft rates, uninsured driver density, and accident frequency.
Find an Insurer That Will File After a DUI
Get SR-22 Coverage After a DUIIf 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 do I need SR-22 in Maryland after a DUI?
Maryland requires SR-22 for 3 years from your license reinstatement date, not your conviction date. If your SR-22 lapses for any reason during those 3 years, the MVA suspends your license immediately and the 3-year period resets from your next reinstatement. Drivers who delay reinstatement or allow coverage gaps often serve 4 or 5 total years under SR-22 due to resets.
What happens if I let my SR-22 insurance lapse in Maryland?
The Maryland MVA suspends your license within 7–10 days of receiving a cancellation notice from your carrier. Any lapse longer than 30 days resets your 3-year SR-22 clock, meaning you start over from zero when you reinstate. You cannot drive legally during the suspension, and a second DUI while suspended upgrades the charge to a criminal offense with mandatory jail time.
Does Maryland SR-22 start from conviction date or reinstatement date?
Maryland measures the 3-year SR-22 period from your license reinstatement date, not your conviction date or suspension start date. Drivers who complete DUI education and ignition interlock requirements quickly can reinstate sooner and finish the SR-22 period earlier. Drivers who delay reinstatement for months or years extend their total SR-22 timeline by the same amount.
Which insurance companies write SR-22 for DUI in Maryland?
Most mainstream carriers like State Farm, Geico, and Allstate will file SR-22 for existing customers but typically non-renew at the next policy term. New SR-22 policies for DUI drivers typically require non-standard carriers like Dairyland, Bristol West, The General, or GAINSCO. Availability varies by county — Baltimore City and Prince George's County have the widest carrier selection for high-risk SR-22.
Can I switch insurance companies while under SR-22 in Maryland?
You can switch carriers, but there cannot be any gap in SR-22 coverage longer than 30 days. The new carrier must file SR-22 with the MVA before the old policy cancels, or your license suspends automatically. Drivers switching carriers should overlap policies by 3–5 days to account for MVA processing delays, because a lapse resets your entire 3-year filing period.
Coverage Types
SR-22 Insurance
SR-22 is a liability certificate filed by your carrier to the Maryland MVA proving continuous coverage. It is not a separate policy but a rider attached to your auto or non-owner liability policy.
Non-Owner SR-22
Liability-only coverage for drivers who do not own a vehicle but need SR-22 filing to reinstate their license. Covers you when driving a borrowed or rental vehicle.
Liability Insurance
Covers bodily injury and property damage you cause to others. Maryland's 30/60/15 minimum is the lowest liability limit allowed with SR-22.
Uninsured Motorist Coverage
Pays your medical bills and vehicle damage when an uninsured or underinsured driver hits you. Maryland automatically adds this at the same limits as your liability unless rejected in writing.