Does Maryland Require SR-22 Insurance? (2025)
Maryland doesn’t require SR-22 insurance forms, but drivers may need to report a FR-19 form as proof of insurance.
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Escrito porNick Dauk
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6+ years writing about insurance, travel, and personal finances
Contributor to brands like Credible
In addition to insurance, Nick specializes in writing about business, entrepreneurship, personal finance, and travel. He’s been featured in myriad web publications, including Fox Business.
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Editado porCourtney Mikulski
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Courtney MikulskiSenior Editor, Auto
Más de 3 años produciendo contenidos sobre seguros y finanzas personales
Principal artífice de la puntuación de calidad de Insurify
Los profundos conocimientos de Courtney sobre finanzas personales van más allá de los seguros y abarcan las tarjetas de crédito, los préstamos al consumidor y la banca. Le encanta crear contenidos prácticos.
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An “SR-22 insurance policy” isn’t insurance coverage; it’s a certificate of financial responsibility that states request to prove that a high-risk driver has an active car insurance policy meeting the state’s minimum coverage limits.
Maryland doesn’t require FR-44 or SR-22 car insurance forms, but it requires drivers to file form F-19 if the Department of Transportation received a cancellation notice of a car insurance policy.[1] However, high-risk drivers in Maryland may struggle to find affordable coverage or even a company willing to provide coverage at all.
Here’s what you need to know about SR-22 requirements, finding high-risk car insurance coverage in Maryland, and comparing quotes to get cheap coverage.
Datos Breves
Maryland drivers pay an overall average of $272 per month for car insurance when they have a clean driving record, but $342 per month with an incident on their record.
Maryland may require you to get your insurer to file an FR-19 with the state if you switched insurers, had a policy cancel, changed vehicles on your policy, removed a vehicle from the policy but didn’t turn in the license plates, or had your name pulled in a random draw.
The Maryland Automobile Insurance Fund (MAIF) helps high-risk drivers get insurance when private insurers deny them coverage.
Does Maryland require SR-22 insurance?
An SR-22 insurance form isn’t an insurance policy; it’s a separate form that verifies a driver’s proof of financial responsibility to the state.[2] Maryland doesn’t require SR-22 forms for high-risk drivers.
Other states may require drivers to file SR-22 forms for the following reasons:
Driving under the influence (DUI) convictions
Excessive traffic or moving violations
Driving without a license
Multiple at-fault accidents
Even though Maryland is one of a handful of states that don’t require SR-22 insurance for high-risk drivers, it still requires minimum-liability coverage. If your insurance company doesn’t automatically verify your coverage with the state, the Maryland Department of Transportation (MDOT) may notify you and ask for an F-19 form to verify coverage.[1]
Get Maryland Car Insurance Online
Liability rates start at $108 per month
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Cheapest companies for high-risk drivers in Maryland
Even though high-risk drivers in Maryland don’t have to file and maintain SR-22 insurance coverage with the state, they may still struggle to find affordable coverage. If you have a poor driving record, multiple lapses in coverage, or bad credit, or if you live in an area with a high risk of claims, insurance companies might deny you coverage.[3]
And the insurance companies willing to insure you may charge expensive premiums to offset their risk. It’s important to shop around for coverage, especially if you’re a high-risk driver, to find affordable premiums for your needs.
Here are some of the cheapest companies for high-risk drivers in Maryland to start your search.
The below rates are estimated rates current as of: jueves, 13 de marzo, 12:00 p.m. GMT-7.
Insurance Company | Liability Only | Full Coverage |
|---|---|---|
| USAA | $131 | $192 |
| GEICO | $156 | $229 |
| State Farm | $167 | $245 |
| Erie | $201 | $296 |
| Progressive | $206 | $302 |
| CSAA | $207 | $270 |
| Safeco | $224 | $320 |
| Travelers | $229 | $337 |
| Root | $237 | $379 |
| National General | $241 | $381 |
| Elephant | $241 | $390 |
| Direct Auto | $241 | $406 |
| GAINSCO | $259 | $620 |
| Allstate | $301 | $442 |
| Bristol West | $306 | $666 |
| Nationwide | $349 | $511 |
| Liberty Mutual | $410 | $530 |
Descargo de responsabilidad: Datos en esta tabla encontrados en cotizaciones reales de las 50+ aseguradoras asociadas con Insurify, más estimaciones de Quadrant Information Services. las cotizaciones reales variarán en función del perfil de conductor único del asegurado.
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Check Out: Rates After Car Insurance Coverage Lapses
Cheapest insurance companies in Maryland for high-risk drivers by city
Your location and ZIP code are just two of the factors that influence your insurance rates.
For example, a city with a higher rate of car accidents may have higher average car insurance rates because of the higher risk of claims. And cities with more uninsured drivers may also increase average car insurance rates for insured drivers in the area.[4]
The table below shows average liability and full-coverage rates for high-risk drivers in Maryland, by city.
City | Liability Only | Full Coverage |
|---|---|---|
| Baltimore | $407 | $556 |
| Columbia | $239 | $402 |
| Frederick | $195 | $318 |
| Silver Spring | $267 | $421 |
Descargo de responsabilidad: las cotizaciones reales variarán en función del perfil de conductor único del asegurado.
How your driving record affects future rates in Maryland
High-risk drivers pay more for car insurance coverage, which is why it’s especially important to maintain a good driving record. Incidents — like speeding tickets, DUIs, and at-fault accidents — typically stay on your driving record for three to five years, so your insurance rates may be more expensive during that time. But as long as you drive safely and avoid more infractions and violations, your rates will decrease over time.
Here’s how you can lower your rates as you wait for infractions to fall off your driving record:
Look for specialized car insurance companies. Some car insurance companies specialize in coverage for high-risk drivers. If you have a history of driving infractions, these companies may offer you cheap rates despite your spotty record.
Take advantage of discounts. Even though you may not be eligible for good driver or claims-free discounts, you can still reduce rates with auto-pay, student, defensive driving education, and paperless billing discounts.
Shop around for car insurance. Although many insurance companies cater to high-risk drivers, you should still get quotes from standard car insurance companies, independent agents, and even online comparison tools to ensure you’re getting the lowest rates available.
Las tarifas más baratas encontradas recientemente en Maryland
Los conductores que utilizan Insurify han encontrado cotizaciones tan baratas como $136/mes para solo responsabilidad y $229/mes para cobertura total en Maryland.
*Cotizaciones generadas para los usuarios de Insurify en los últimos 10 días. Actualizado el 27 de marzo de 2025. Las cotizaciones reales pueden variar según el perfil de conductor único del comprador de la póliza.
Las tarifas que se muestran son cotizaciones de usuarios de Insurify en tiempo real de más de 100 compañías de seguros y datos de Quadrant Information Services. El algoritmo de Insurify excluye las cotizaciones anómalas y anonimiza los datos personales. Luego, muestra las cotizaciones detalladas por precio, fecha y popularidad de la aseguradora hasta hace 10 días a partir de 27 de marzo de 2025. Las cotizaciones reales pueden variar según el perfil de conductor único del comprador de la póliza.
*Cotizaciones generadas para los usuarios de Insurify en los últimos 10 días. Actualizado el 27 de marzo de 2025. Las cotizaciones reales pueden variar según el perfil de conductor único del comprador de la póliza.
Las tarifas que se muestran son cotizaciones de usuarios de Insurify en tiempo real de más de 100 compañías de seguros y datos de Quadrant Information Services. El algoritmo de Insurify excluye las cotizaciones anómalas y anonimiza los datos personales. Luego, muestra las cotizaciones detalladas por precio, fecha y popularidad de la aseguradora hasta hace 10 días a partir de 27 de marzo de 2025. Las cotizaciones reales pueden variar según el perfil de conductor único del comprador de la póliza.
Maryland SR-22 insurance FAQs
Learn more about car insurance for bad drivers, and find quick answers to commonly asked questions about SR-22 insurance in Maryland below.
What if you can’t find coverage in Maryland?
If you’re having trouble finding coverage in Maryland because you’re a high-risk driver, speak to an insurance agent about a policy through the MAIF. This state-sponsored program is available for qualifying drivers who can’t find coverage on the private insurance market. Be aware that MAIF premiums may actually be more expensive than standard premiums.
What happens to your SR-22 if you move to Maryland?
Maryland doesn’t require SR-22 insurance, so you won’t need to ask your insurance company to file an SR-22 form with Maryland. But you may have to maintain your SR-22 insurance requirements with your previous state for the full duration if you move to Maryland.
Do you need insurance in Maryland if you don’t have a car?
No, you don’t need auto insurance in Maryland if you don’t have a car. But all Maryland drivers must maintain the state-required minimum insurance coverages when operating a vehicle. If you frequently borrow other people’s vehicles or rent cars, you should purchase non-owner car insurance coverage. Keep in mind that a lapse in insurance may increase your future rates.
Metodología
Las cotizaciones de seguros de auto que se muestran se basan en un análisis de la base de datos de Insurify de más de 40 millones de cotizaciones de 500 códigos ZIP a nivel nacional. Para obtener las tarifas representativas, el equipo de datos de Insurify realiza análisis exhaustivos frecuentes de los factores utilizados por las aseguradoras de autos para calcular tarifas, incluyendo datos demográficos del conductor, historia del conductor, puntuación de crédito, nivel de cobertura deseado y más.
El análisis de Insurify también incorpora la puntuación compuesta Insurify (ICS) asignada a cada compañía de seguros. La ICS es una puntuación propietaria que pesa factores que reflejan la calidad, fiabilidad y salud de una compañía de seguros. Las puntuaciones utilizadas para calcular la ICS incluyen las puntuaciones financieras de A.M. Best, Standard & Poor’s, Moody’s, y Fitch; puntuaciones de J.D. Power; encuestas de satisfacción de consumidores de Consumer Reports y denuncias de consumidores; opiniones de los usuarios en las aplicaciones móviles y opiniones de los usuarios en las compañías; y las opiniones de los usuarios en las compañías.
Con los análisis y métodos de clasificación anteriores, Insurify es capaz de ofrecer a los consumidores de seguros de autos una perspectiva de cómo varían las cotizaciones de las compañías de seguros en relación a uno a uno en términos de costo y calidad. Tenga en cuenta que las cotizaciones reales varían según los atributos únicos incluidos en la poliza del conductor y su dirección de garaje.
Sources
- Maryland Department of Transportation Motor Vehicle Administration. "MDOT MVA Insurance Compliance Division Frequently Asked Questions."
- American Association of Motor Vehicle Administrators. "SR22/26."
- III. "What if I can't find auto coverage?."
- III. "What determines the price of an auto insurance policy?."
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Nick Dauk
Nick Dauk is a freelance writer specializing in business, entrepreneurship, personal finance, and travel. His work has been featured in Fox Business, BBC, The Edge, Business Insider, and Bisnow. Nick is a first-generation college graduate, having majored in Interdisciplinary Studies at the University of Central Florida. His eclectic coursework, combined with previous managerial roles in the retail and broadcast television industries, have helped him develop an interdisciplinary approach to writing.
For nearly a decade, Nick has created content for mom-and-pop businesses and global corporations. As a travel writer, his global adventures have also been featured on Inside Hook, Houston Chronicle, Culture Trip, and Matador. When he's not traveling, Nick can be found in Orlando spending time with his wife and toddler.
Nick has been a contributor at Insurify since October 2022.
Courtney MikulskiSenior Editor, Auto
Más de 3 años produciendo contenidos sobre seguros y finanzas personales
Principal artífice de la puntuación de calidad de Insurify
Los profundos conocimientos de Courtney sobre finanzas personales van más allá de los seguros y abarcan las tarjetas de crédito, los préstamos al consumidor y la banca. Le encanta crear contenidos prácticos.
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