Maryland Auto Insurance for Suspended License
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
State Requirements
Maryland operates under a traditional tort liability system where at-fault drivers are financially responsible for injuries and damages. The state requires all registered vehicles to carry continuous liability insurance and proof of coverage must be available during traffic stops and at MVA transactions. Maryland uses an electronic insurance verification system that allows the MVA to confirm coverage status directly with insurers, making lapses immediately detectable and subject to registration suspension.
Bodily Injury Liability
Property Damage Liability
Uninsured Motorist Coverage
SR-22 Certificate of Financial Responsibility
Non-Owner SR-22 Insurance
Cost Overview
$421–$488/mo
Typical monthly rate in Maryland, high-risk drivers after a DUI
Rate data: ValuePenguin and Insurify, 2026
Line Up Coverage Before Your License Comes Back
Get Back on the RoadIf 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 get a hardship license in Maryland during suspension?
Maryland offers restricted licenses for work, school, medical treatment, and alcohol treatment program attendance, but eligibility is limited and not available for all suspension types. First-time DUI offenders may qualify after 45 days if they install an ignition interlock device and complete an alcohol education program. Point-related and administrative suspensions generally do not qualify for hardship provisions—you must serve the full suspension period, though you can apply for modification through the Office of Administrative Hearings if the suspension creates undue hardship affecting employment or essential needs.
How long do I have to keep SR-22 insurance in Maryland?
Maryland requires SR-22 filing for 3 years from your license reinstatement date, not from the suspension date. If your insurance lapses or cancels at any point during the 3-year period, your insurer notifies the MVA within 10 days and your license is automatically re-suspended—you'll need to obtain new coverage, file a new SR-22, pay reinstatement fees again, and restart the 3-year clock. Continuous coverage throughout the entire period is essential to avoid extending your SR-22 requirement indefinitely.
Coverage Types
SR-22 Insurance
A certificate filed by your insurer with the Maryland MVA proving you maintain continuous liability coverage at state minimum limits. Required for 3 years following DUI/DWI, reckless driving, uninsured operation, or habitual offender designation—any lapse triggers automatic license re-suspension within 10 days.
Non-Owner SR-22 Insurance
Liability-only policy with SR-22 filing for drivers who don't own a vehicle but need coverage to reinstate their Maryland license. Covers you when driving borrowed or rental vehicles and satisfies all MVA proof-of-insurance requirements without the cost of insuring a specific car.
Liability Insurance
Covers bodily injury and property damage you cause to others in an at-fault accident. Maryland's 30/60/15 minimum is legally sufficient for reinstatement but inadequate for crashes involving multiple injuries or newer vehicles—consider 100/300/100 to avoid personal lawsuit exposure.
Uninsured Motorist Coverage
Pays your medical bills, lost income, and vehicle damage when you're hit by a driver with no insurance or insufficient coverage. Maryland requires insurers to offer this at limits matching your liability unless you waive it in writing.
Non-Standard Auto Insurance
Policies designed for high-risk drivers including those with suspensions, DUI convictions, multiple accidents, or SR-22 requirements who cannot obtain coverage from standard insurers. Often issued through the Maryland Automobile Insurance Fund (MAIF) or specialty high-risk carriers.
Comprehensive & Collision Coverage
Comprehensive covers theft, vandalism, weather damage, and animal strikes; collision covers damage to your vehicle in accidents regardless of fault. Both are optional unless required by a lienholder, but valuable for newer vehicles or in high-theft areas.