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.


MARYLAND INSURANCE PREMIUMS BY VIOLATION
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
Racing$2,233$818
Hit-and-run$2,257$841
DUI/DWI$2,063$648

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

If you don't own a vehicle, it could be more difficult to obtain an SR-22, as you will need to show proof of insurance to get the certificate. If this is the case, you should 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 LinkedIn

Kristine is a licensed insurance agent and one of The Zebra’s in-house content strategists. With a background in copywriting, she covers the ins and outs of the home and car insurance industries. She has contributed to numerous publications focused on the nuances of insurance, including Automoblog, USInsuranceAgents.com, and BestCompany.com.