Maryland Work Permit Insurance & SR-22 Filing
Maryland requires 30/60/15 liability coverage and is an at-fault state.
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Maryland 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
$90
State license reinstatement fee
Source: state DMV, insurance department and statute records, verified July 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.
Liability Insurance
SR-22 Insurance
Non-Owner SR-22
Uninsured Motorist Coverage
What Drivers Pay in Maryland
$421–$488/mo
Typical monthly rate in Maryland, high-risk drivers after a DUI
Rate data: ValuePenguin and Insurify, 2026
What Affects Your Rate
- 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.
Get Insured for the Drive to Work
Keep Driving to WorkIf your license is suspended
Work/education restriction (restricted license); Ignition Interlock Program (alternative to suspension)
application fee $47.
A coverage lapse is reported
The state can act when your insurance lapses.
Source: state DMV, insurance department and statute records, verified July 2026
Frequently Asked Questions
Can I drive for work only on a Maryland hardship license?
Maryland's Ignition Interlock System Program restricts you to operating only vehicles equipped with an approved ignition interlock device, but it does not limit the hours or routes you drive. You may drive to work, school, medical appointments, alcohol treatment programs, and any other lawful purpose as long as the vehicle has the interlock installed and your SR-22 remains active. Driving any vehicle without an interlock during the restriction period is a criminal offense and revokes your restricted privileges.
How long do I need SR-22 in Maryland after a DUI?
Maryland requires SR-22 filing for 3 years from the date of DUI conviction for first offenses. The 3-year period runs continuously — any lapse in coverage does not restart the clock, but your restricted driving privileges are suspended until you restore SR-22 and pay the reinstatement fee. Second or subsequent DUI offenses may extend the SR-22 requirement to 5 years.
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.