Car Insurance with an SR-22 in Maryland

If you need an SR-22 to get auto insurance in Maryland, you're not alone. This fairly common legal requirement is sometimes necessary after a driving violation like a DUI, a driving-without-insurance citation, an at-fault collision with substantial property damage, a citation for driving with a suspended license, or accumulating too many points on your license.

Finding cheap insurance coverage with a SR-22 in Maryland might require some effort, but it could pay off in the end. We assessed how much a SR-22 usually costs in Maryland and how to get one — let's take a look.

How much does Maryland SR-22 insurance cost?

Insurance with an SR-22 stipulation in Maryland can be expensive. This isn't a direct result of the SR-22 itself — filing fees might be just $15 to $35 — but thanks to the insurance rate increases from the driving violation that necessitated the SR-22.

Insurance companies charge high-risk motorists higher premiums because of the increased risk of an accident. The rate hike you’ll face depends on the number and severity of your citations — below are standard insurance premiums with an SR-22 in Maryland.

High-risk rating factorAverage annual rateIncrease vs. clean record
No citations$1,415
At-fault accident (>$2,000)$2,054$639
Speeding (21-25 mph > limit)$1,846$431
Reckless driving$2,099$684

If you want cheap car insurance after obtaining a SR-22 certificate, we are here to help. Enter your ZIP code below to receive personalized car insurance quotes from leading insurers.

How to get an SR-22 in Maryland

For currently insured drivers

With an active insurance policy, obtaining an SR-22 certificate is relatively simple. Call up your insurance company request they file a SR-22 request on your behalf. If your current insurer declines to request a certificate, you should start the car insurance comparison shopping process.

Uninsured drivers

When filing for a new policy, you may need to pay extra for the prospective insurer to file an SR-22 request form and to cover your more risky driving profile. An SR-22 requirement might disqualify you from getting coverage from some companies, while others would be happy to sell you a policy.

If you aren't a vehicle owner

Needing an SR-22 might disqualify you from purchasing insurance from some companies, while others would be happy to sell you a policy.

For drivers without a vehicle

Not owning a vehicle makes it more difficult to obtain an SR-22, as you will need to furnish proof of insurance to receive the certificate. In this case, purchase a non-owners auto insurance policy before requesting a certificate. Non-owners auto coverage should be less costly than standard coverage since it won’t provide protection for physical damage sustained by your vehicle.

Methodology and sources

we conducted in-depth pricing analysis using our proprietary quote engine, comprising data from rating platforms and public rate filings. The Zebra analyzed almost 53 million premiums to identify trends related to car insurance rating factors across all U.S. ZIP codes, averaged by state, including Washington, D.C.

Learn more about SR-22 certificate requirements and their impact on car insurance rates.

Kristine Lee photo
Kristine LeeManager, Content and Data

Kristine is a licensed insurance agent who joined The Zebra in 2019 as an in-house content researcher and writer.

She is an authority on all things insurance and covers the ins and outs of auto, home, life and renters insurance. Her specialty is in providing data-backed insights and information to help insurance shoppers make informed decisions.

Kristine's insurance expertise and research have been cited by publications such as CNBC, Car and Driver, Business Insider, Yahoo!, The Balance, Nationwide and Elephant.