Official Maryland Guide

Maryland SR-22 Insurance

A complete roadmap to satisfying Maryland MVA requirements. Compare rates, understand liability limits, and get your license reinstated today.

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Min. Liability

30/60/15

$30k BI / $60k Total / $15k PD

Mandate Term

3 Years

From date of reinstatement

Filing Fee

~$15 - $25

One-time administrative cost

How Maryland SR-22 Filing Works

In Maryland, the SR-22 is a "Certificate of Financial Responsibility." It is a digital document filed by your insurance carrier directly with the Maryland Motor Vehicle Administration (MVA). It provides legal proof that you carry the state's minimum required liability coverage (30/60/15) to maintain your driving privileges.

The "Re-Suspension" Trap

If your policy cancels or lapses for even one day, your carrier is legally required to file an SR-26 Notice. This triggers an immediate suspension of your license by the MVA and may reset your 3-year filing period.

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Who Needs to File in MD?

DUI / DWI Conviction: Driving under the influence of alcohol or while impaired by drugs.
Point Accumulation: Accumulating too many demerit points on your record within a 2-year window.
Uninsured Accident: Being involved in a reportable accident while failing to maintain valid liability insurance.
Unsatisfied Judgments: Failure to pay for damages resulting from an auto accident as ordered by a court.

Don't Own a Car in Maryland?

You can still get reinstated! A Maryland Non-Owner SR-22 Policy covers you as a driver for any vehicle you borrow or rent. It satisfies the Maryland MVA requirement and is typically much cheaper than a standard owner's policy.

Read our full guide on Non-Owner policies

The MD Reinstatement Timeline

Verify Requirements

Access the Maryland MVA 'myMVA' online portal to confirm your eligibility date and required reinstatement fees.

Secure SR-22

Purchase a policy with 30/60/15 limits. Your insurance carrier will electronically transmit the certificate to the MVA headquarters in Glen Burnie.

Pay Reinstatement Fee

Pay the mandatory fees online or at a local MVA branch to clear the administrative hold on your license.

License Reissued

Once the SR-22 is logged and the fee is processed, your driving privileges are officially restored in the state system.

The Cost of Non-Compliance

Driving while suspended or letting your SR-22 lapse carries severe penalties in Maryland:

First Offense

Immediate License Suspension

Court Fines

Up to $1,000 + Court Costs

SR-22 Period

3-Year Clock Resets

Legal Risk

Point Penalties & Possible Jail

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Maryland Filing FAQs

How much is the filing fee in Maryland?

Most insurance carriers charge a one-time fee of $15-$25 to electronically file the certificate with the Maryland MVA. This is separate from your monthly premium.

Can I drive out of state with a MD SR-22?

Yes. Your Maryland SR-22 is valid nationwide. You must maintain the Maryland-specific limits (30/60/15) to remain compliant with state law.

What is the difference between SR-22 and normal insurance?

An SR-22 is not insurance itself; it is a certificate of financial responsibility attached to your policy that notifies the MVA if your coverage lapses.

Can I get a Non-Owner policy in MD?

Yes, Maryland allows Non-Owner SR-22 filings. It is often the most cost-effective way to restore your license if you do not own a vehicle.

Will my license be suspended if I miss a payment?

Yes. Maryland law requires insurers to notify the MVA immediately (via SR-26) if your policy lapses, which triggers an instant automatic suspension.

How do I remove the SR-22 after 3 years?

Once your 3-year mandate expires, contact the Maryland MVA to confirm the requirement is fulfilled. You can then instruct your insurer to remove the filing.

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