Maryland DUI or Violation: What Happens to Your Insurance
Maryland requires 30/60/15 liability coverage and is an at-fault state.
Compare Auto Rates for Senior DriversMaryland 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
40
Age when license renewal rules change, with a vision test at renewal
Source: state DMV, insurance department and statute records, verified July 2026
Minimum Coverage Requirements in Maryland
Within days of a DUI conviction or serious violation, most carriers send a non-renewal notice — not a cancellation. You'll keep coverage until your policy term ends, but then you'll need to find a new insurer. Maryland typically requires SR-22 filing for 3 years for DUI offenses and certain suspensions. Not all carriers offer SR-22 filing, which means you'll likely need to move to a non-standard insurer that specializes in high-risk drivers.
SR-22 Certificate Filing
Non-Standard Auto Insurance
Liability Insurance
Uninsured Motorist Coverage
Medical Payments Coverage
What Drivers Pay in Maryland
$158–$177/mo
Typical monthly rate in Maryland, drivers 65 and over
Rate data: MoneyGeek and Insure.com, 2026
What Affects Your Rate
- Violation type — DUI convictions increase rates more than point-based suspensions
- Age and driving history — drivers 65+ with 40+ years of clean history prior to the violation may see smaller increases than younger drivers
- ZIP code — Baltimore City and Prince George's County typically have the highest non-standard rates in Maryland
- Vehicle type — older, paid-off vehicles allow you to drop collision coverage and reduce premiums significantly
- Low mileage — senior drivers who drive under 7,500 miles annually may qualify for usage-based discounts even in the non-standard market
Put These Answers to Work on Your Rate
Compare Auto Rates for Senior DriversMature-driver discount
Not required by state law
Mature-driver discounts here are set by each insurer.
Source: state statutes and insurance departments, verified July 2026
Coverage Types
High-Risk Auto Insurance
Coverage designed for drivers with recent violations, DUIs, or suspensions. Policies include state-required liability and optional collision/comprehensive, with SR-22 filing available.
Non-Standard Auto Insurance
Policies from carriers that specialize in drivers who cannot qualify for standard coverage due to violations, lapses, or license issues. Rates are higher but coverage is equivalent.
SR-22 Insurance
A certificate filed by your insurer with the Maryland MVA proving you carry required liability coverage. Not all carriers offer SR-22 filing, so you may need to switch insurers.
Liability Insurance
Coverage that pays for injuries and property damage you cause to others. Maryland requires 30/60/15 minimums, but senior drivers with assets should consider 100/300/100 or higher.
Full Coverage Auto Insurance
Liability plus collision and comprehensive coverage. Covers damage to your own vehicle in addition to liability for others. Required for financed vehicles; optional for paid-off cars.
Uninsured Motorist Coverage
Covers your medical bills and vehicle damage if you're hit by a driver with no insurance. Optional in Maryland but strongly recommended given the state's uninsured driver rate.