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.
Meeting the state minimum keeps you legal. See whether it's enough — get your Maryland quote.
Get your Maryland quoteHow 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.
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 rates from carriers that specialize in senior drivers
Mature driver discounts, low-mileage rates, and coverage reviews — see what you're actually eligible for.
Get Your Free QuoteCoverage 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.
