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Maryland DUI or Violation: What Happens to Your Insurance

After a DUI, license suspension, or serious violation in Maryland, your current insurer will typically non-renew your policy at the end of your term. The state requires SR-22 filing for 3 years, and your premium will typically increase 60–150% depending on the violation.

Maryland cityscape and street view

Updated April 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.

How Much Does Car Insurance Cost in Maryland?

Maryland drivers with DUI or serious violations typically see premium increases of 60–150% compared to their previous rates. For senior drivers, the increase may be slightly lower if you qualify for mature driver discounts or have decades of prior clean driving history, but the violation itself is the dominant rating factor. Rates begin to decrease 3–5 years after the violation if you maintain a clean record during the SR-22 period.

Minimum Liability (30/60/15)
State minimum coverage with SR-22 filing. Typically the only option immediately after a DUI for drivers with limited budgets, but offers minimal protection for assets or medical costs.
Standard Liability (100/300/100)
Higher liability limits recommended for senior drivers with homes, retirement savings, or other assets. Still excludes collision and comprehensive coverage but provides better financial protection in a serious accident.
Full Coverage
Liability plus collision and comprehensive coverage. Most practical for financed vehicles or newer cars. For senior drivers with paid-off older vehicles, dropping collision may reduce premiums by 20–30%.

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
  • Carrier availability — only about 30% of carriers in Maryland offer SR-22 filing, limiting competition
  • Low mileage — senior drivers who drive under 7,500 miles annually may qualify for usage-based discounts even in the non-standard market

Compare Auto Insurance Rates in Maryland

Find Your City in Maryland

Baltimore, Maryland cityscape and street view

Baltimore

urban
Victorian townhouses on tree-lined residential street with lush green foliage and dappled sunlight

Columbia

suburban
Calm lake water reflecting autumn trees with golden foliage, creating mirror-like reflections on blue water surface

Germantown

suburban
Blooming tree on hillside meadow at sunset with golden light filtering through white blossoms and green landscape

Silver Spring

suburban
Frederick, Maryland cityscape and street view

Frederick

suburban
Stone church with red door, round window, and castellated tower surrounded by green trees

Rockville

suburban
European city street with traditional brick buildings, red tile roofs, and wide roadway on overcast day

Gaithersburg

suburban
Colorful wooden houses lining a narrow residential street with traditional architecture and front porches

Annapolis

urban

Sources

  • Maryland Motor Vehicle Administration — Driver License Sanctions and Suspension Guidelines
  • Maryland Insurance Administration — High-Risk Auto Insurance Requirements
  • National Association of Insurance Commissioners — Post-Violation Coverage Data

Get Your Free Quote in Maryland