Car Insurance with an SR-22 in Maryland

The Zebra
Nov. 16, 2018

If you're required by law to get an SR-22 in Maryland, you aren't the only one. This relatively common legal requirement is sometimes requested after a violation like a DWI conviction, a ticket for driving without proof of insurance, an accident with substantial property damage, a citation for driving with a suspended license, or accumulating too many license points.

Finding cheap car insurance with an SR-22 in Maryland might take some effort, but it's worth the trouble. We examined how much a Maryland SR-22 certificate typically costs and how to get one — let's look at the details.


Find SR-22 insurance in Maryland!



How much does an SR-22 cost in Maryland?

Insurance with an SR-22 in Maryland tends to be expensive. This isn't because obtaining the SR-22 certificate is expensive — filing fees are $15 to $35 — but a product of the insurance rate increases triggered by the offense that necessitated the SR-22.

Insurance companies charge high-risk motorists more expensive rates to account for the increased risk of having to pay out a claim after a crash. The price increase you could face may depend on the severity and number of the violations — below are average insurance rates with an SR-22 in Maryland.


MARYLAND INSURANCE PREMIUMS AFTER COMMON VIOLATIONS
High-risk rating factorAverage annual rateIncrease vs. no violations
No citations$1,240.09
At-fault collision (>$2,000)$1,902.00$661.91
Speeding (21-25 mph > limit)$1,457.16$217.07
Reckless driving$1,797.16$557.07
Racing$1,886.00$645.91
Leaving the scene of an accident$1,732.12$492.03
DUI$1,631.70$391.61

If you want to purchase reasonably priced car insurance with a SR-22 certificate, The Zebra is ready to help. Enter your ZIP code below to get personalized car insurance quotes from popular companies.


How to get an SR-22 certificate in Maryland


For currently insured drivers:

If you currently have auto insurance, getting an SR-22 is relatively simple. Call your insurance company ask them to file a SR-22 request for you. If your current car insurance company isn’t willing to request an SR-22 certificate, you should start the car insurance comparison shopping process.

If you're currently uninsured:

When filing for a new policy, you might face an up-front fee for the prospective insurer to file an SR-22 request form and to cover your more risky driving profile. An SR-22 requirement may disqualify you from purchasing insurance from some carriers, while others will sell you a policy.

Don't own a vehicle?

Not owning a vehicle makes it tougher to get an SR-22, as you will need to furnish proof of insurance to obtain a certificate. In this scenario, you should buy a non-owners auto insurance policy before asking for an SR-22. Non-owners auto insurance is typically less expensive than a traditional policy since it doesn't cover physical damages to your vehicle.

Methodology and sources

From September to December 2017, The Zebra conducted car insurance price analysis using its proprietary quote engine, incorporating data from insurance rating platforms and public rate filings. The Zebra surveyed nearly 53 million premiums to explore trends related to specific car insurance pricing factors across all United States ZIP codes, averaged by state, including Washington, D.C.

Learn more about SR-22 certificate requirements and how they impact car insurance rates.

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