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Maryland Work Permit Insurance & SR-22 Filing

Maryland requires SR-22 filing with 30/60/15 minimum liability — $30,000 per person, $60,000 per accident for bodily injury, $15,000 for property damage. If you need a hardship license to keep your job after a suspension, you must carry continuous SR-22 coverage for the full period ordered by the court or MVA, typically 3 years for DUI cases.

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Non-Standard Auto · SR-22 · Senior · Teen Drivers

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Updated May 2026

Minimum Coverage Requirements in Maryland

Maryland operates under a tort liability system and requires proof of financial responsibility at all times. The Maryland Motor Vehicle Administration enforces SR-22 filing requirements for drivers seeking hardship driving privileges after DUI, multiple violations, or driving uninsured. SR-22 is not a separate insurance policy — it is a certificate your carrier files electronically with the MVA to verify you maintain continuous liability coverage at or above state minimums.

Maryland cityscape and street view
30/60/15
Liability Insurance
Maryland requires $30,000 per person, $60,000 per accident for bodily injury, and $15,000 for property damage. This is the minimum to satisfy SR-22 filing. Maryland's bodily injury minimums are higher than many states, but $30,000 per person covers less than a single overnight hospital stay at most Maryland trauma centers, and injury claims from serious accidents routinely exceed these limits.
Required by court or MVA order
SR-22 Insurance
SR-22 is a continuous proof-of-insurance filing that your carrier submits to the MVA electronically. The filing must remain active for the full period ordered — typically 3 years for DUI cases. If your policy lapses or cancels for any reason, your carrier notifies the MVA within 24 hours and your hardship license is immediately suspended. Reinstatement requires paying a new $150 reinstatement fee, reapplying for hardship privileges, and proving coverage was restored.
30/60/15
Non-Owner SR-22
If you do not own a vehicle but need hardship driving privileges to drive an employer's vehicle or a family member's car, non-owner SR-22 satisfies Maryland's filing requirement. This policy covers you as a driver in borrowed vehicles and costs substantially less than standard owner policies — typically $50–$90 per month for clean driving records, $110–$170 for DUI cases. The MVA accepts non-owner SR-22 filings for hardship license purposes.
30/60/15 (must be offered)
Uninsured Motorist Coverage
Maryland law requires carriers to offer uninsured and underinsured motorist coverage at limits matching your liability coverage. You can reject this coverage in writing, but rejection is permanent for that policy term. If you carry only 30/60/15 liability and are hit by an uninsured driver, you have no recourse beyond your own health insurance unless you accepted UM coverage when the policy was issued.
State-Mandated Minimum Coverage · Maryland

Maryland Minimum Coverage

CoverageMinimum
Bodily Injury (per person)$30,000
Bodily Injury (per accident)$60,000
Property Damage$15,000

License Reinstatement Fee$45

Meeting the state minimum keeps you legal. See whether it's enough — get your Maryland quote.

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How Much Does Car Insurance Cost in Maryland?

Maryland SR-22 rates for hardship license holders range from $140–$220 per month depending on the violation that triggered the suspension, your ZIP code, and whether you own the vehicle. The SR-22 filing fee is typically $25–$50, but the underlying premium increase from the DUI or violation adds $80–$150 per month to your base rate.

What Affects Your Rate

  • DUI conviction adds $90–$140 per month to base rates in Maryland, and the SR-22 filing remains on your MVA record for 3 years from the conviction date.
  • Baltimore City and Prince George's County rates run 15–25% higher than statewide averages due to higher theft and uninsured driver rates.
  • Violation-free years during the SR-22 period reduce rates by approximately 10% per year with most non-standard carriers writing Maryland hardship licenses.
  • Ignition interlock device installation and monitoring costs $75–$125 per month and is required for all Maryland DUI hardship licenses.
  • Carriers writing Maryland SR-22 for hardship license holders include Bristol West, Dairyland, The General, Safe Auto, and Acceptance — most standard carriers exit at the first DUI.
Minimum Coverage
$140–$180/mo
Maryland 30/60/15 minimum liability with SR-22 filing. No collision, no comprehensive, no UM coverage. Covers only what the MVA requires to maintain hardship driving privileges.
Standard Coverage
$180–$220/mo
30/60/15 liability plus uninsured motorist coverage at matching limits and comprehensive with $500 deductible. Adds protection for hit-and-run claims and theft without increasing collision exposure.
Full Coverage
$220–$290/mo
50/100/50 liability, UM at matching limits, collision and comprehensive both with $500 deductibles. Required if you lease or finance the vehicle and recommended if you cannot afford to replace the vehicle out of pocket.

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Coverage Types

SR-22 Insurance

Continuous proof-of-insurance filing required by the MVA for hardship license eligibility. Any lapse triggers immediate suspension and restarts the 3-year clock.

Non-Owner SR-22

Liability-only SR-22 policy for drivers who do not own a vehicle but need hardship driving privileges to operate an employer's or family member's vehicle.

Liability Insurance

Covers bodily injury and property damage you cause to others. Maryland's 30/60/15 minimums are higher than many states but insufficient for most serious accident claims.

Non-Standard Auto Insurance

Coverage from carriers specializing in high-risk drivers — those with DUI, multiple violations, or suspended licenses seeking hardship driving privileges.

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

Frequently Asked Questions

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