Cheapest SR-22 insurance in Maryland

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If you’ve been asked to file an SR-22, you might be worried about the impact on your car insurance costs. An SR-22 isn’t a type of insurance but rather a certificate that proves you meet your state’s minimum car insurance requirements.

It’s often required after serious driving violations, such as a DUI, reckless driving or driving without insurance. Unfortunately, having an SR-22 on your record typically leads to higher premiums, making finding the most affordable options essential.

The cost of SR-22 insurance can vary significantly depending on your location, driving history, and insurance provider. To help you save money, we’ve researched the cheapest SR-22 insurance options in every state.

In Maryland, GEICO offers the most affordable SR-22 insurance policies at $1,364 per year and Travelers at $1,508 per year.

Whether you’re looking for a budget-friendly policy or just trying to navigate this complex process, this guide has the information you need to get back on the road without breaking the bank.

What is an SR-22?

An SR-22 certificate of financial responsibility proves you have the minimum liability insurance coverage your state requires. If you’re considered a high-risk driver because of traffic violations, a DUI/DWI conviction, or other reasons, your state or a court might require you to get an SR-22. This is a certificate your insurance company files on your behalf with your state Department of Motor Vehicle (DMV).

An SR-22 isn’t a type of insurance, but it’s often required after serious offenses. Having an SR-22 can make your insurance more expensive, and not all insurers will cover you because you’re considered a high-risk driver.

Key Takeaways

SR-22 car insurance in Maryland costs $2,020, on average.
GEICO offers the cheapest SR-22 insurance policies in Maryland at $1,364 per year.
SR-22 insurance isn’t a separate policy, but a form your insurance company files to with the state DMV to prove you have the required minimum coverage.

Do I need to buy SR-22 insurance in Maryland?

As mentioned before, an SR-22 isn’t an insurance policy. It’s a form your insurance company files with your state’s DMV to show that you have the required minimum coverage, even with certain driving offenses on your record. The filing fee is usually low, but insurance with an SR-22 can be expensive.

Here are few offenses that might require an SR-22:

DUI, DWI or other serious moving violations
Reckless driving
Accidents resulting in suspension or revocation
Accumulation of too many driving violation points
Driving without insurance

If you are convicted of any of these violations, you might need an SR-22. After buying an insurance plan that meets your state’s requirements, ask your insurance company to send the SR-22 form to the DMV.

You usually have to keep the SR-22 for at least three years. If you don’t, your license could be suspended.

Average SR-22 car insurance cost in Maryland

The average cost of SR-22 car insurance in Maryland is $2,020.

This is $1,005 more expensive than the SR-22 insurance in New Hampshire, the least expensive state.

However, it’s also $2,021 cheaper than in Michigan, the most expensive state for SR-22 insurance.

However, several factors can affect the cost of SR-22 insurance, including why you need the SR-22, your driving history and your city.

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Cheapest SR-22 insurance companies in Maryland

Having an SR-22 usually raises your insurance rates, but not all companies charge the same rates. The companies below offer some of the cheapest rates in Maryland.

Company	Average annual premium	Average monthly premium
GEICO	$1,364	$114
Travelers	$1,508	$126
Nationwide	$1,874	$156
Erie Insurance	$1,999	$167
Progressive	$2,135	$178
Kemper Insurance	$2,192	$183
State Farm	$2,876	$240
Allstate	$3,595	$300
USAA*	$1,104	$92

*USAA is only available to military community members and their families.

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Cheap SR-22 insurance in Maryland by city

As mentioned before, where you live can significantly impact the cost of insurance with an SR-22. Below, you’ll find the cheapest SR-22 insurance rates in major cities across Maryland.

City	Average annual premium
Henderson	$907
Brunswick	$924
Boonsboro	$939
Luke	$957
North Potomac	$972
Maryland City	$1,002
Aberdeen	$1,106
Laurel	$1,214
Beltsville	$1,214
Bladensburg	$1,461
Baltimore	$1,478

SR-22 insurance requirements in Maryland

The Maryland DMV requires all drivers to meet the following minimum requirements for car insurance coverage:

$30,000 for injury/death per person
$60,000 for injury/death per accident
$15,000 for damage to property per accident

These are just the minimum requirements. Experts advise drivers to get more than the minimum insurance. It may lead to a higher premium, but the extra coverage could be well worth it.

How much does SR-22 in Maryland cost with a DUI?

Some insurance companies are much more forgiving than others if you have a DUI. Some charge a few hundred dollars more, while others charge thousands more per year.

Note: In the table below, “filing only” represents the cost of a policy including the fee to file the SR-22 – without considering the reason why someone needed an SR-22.

Company	SR-22 with 1 DUI	SR-22 Filing only
GEICO	$1,671	$1,364
Erie Insurance	$2,091	$1,999
Travelers	$2,393	$1,508
Progressive	$2,997	$2,135
State Farm	$3,164	$2,876
Nationwide	$4,289	$1,874
Allstate	$4,677	$3,595
Kemper Insurance	$5,055	$2,192
USAA*	$2,920	$1,104

*USAA is only available to military community members and their families.

How to get the cheapest SR-22 insurance in Maryland

If you need an SR-22 in Maryland, your insurance premiums might be very high. However, there are ways to save on car insurance, whether you need an SR-22 or not.

First, it’s a good idea to shop around. Different insurance companies can offer very different rates. Some companies specialize in high-risk drivers and may give you better SR-22 rates.

Another way to lower your insurance costs with an SR-22 is to improve your driving record. It might take some effort, but it’s worth it if you want better rates. A simple step is taking a defensive driving course, which can result in having points removed from your record. Check with your insurer to see if completing such a class could get you a discount. You can also look into usage-based insurance. These programs use technology to monitor your driving habits in exchange for (potentially) lower rates.

Sebastian Hov, CEO of 18 Insurance, an insurance agency based in Sacramento, California, recommends the following:

Shop around. Different insurance companies offer varying rates for SR-22 insurance. It’s crucial to compare quotes from multiple providers to find the best option.
Pay upfront. Paying your premium in full rather than in monthly installments can sometimes result in lower overall costs.
Opt for non-owner insurance. If you don’t own a vehicle but need to maintain SR-22 coverage, non-owner car insurance can be 5% to 15% cheaper than a standard policy.

Non-owner SR-22 insurance in Maryland

Some states may require you to obtain an SR-22 even if you don’t own a car. This filing ensures you meet the state’s minimum liability coverage requirements, which is often necessary to reinstate your driver’s license after a suspension or revocation resulting from violations like a DUI or multiple traffic offenses.

Non-owner insurance policies are for individuals who don’t own a vehicle but must fulfill SR-22 requirements or want to maintain continuous coverage. This type of coverage provides liability protection when driving a car you don’t own and helps you meet state mandates for reinstating your license after violations such as a DUI or multiple traffic offenses.

It’s often a more affordable option than a standard policy since it only covers liability.

Read more about how non-owners car insurance works in Maryland

Who needs SR-22 insurance?

Remember that an SR-22 is not a separate insurance policy. Instead, it’s a certificate that shows your state’s DMV that you have at least the minimum insurance coverage required.

For instance, if you have a DUI, the state will require you to prove you have enough insurance to be financially responsible.

Keep in mind that not all driving offenses require an SR-22. You will be notified if you require an SR-22. If you aren’t sure if you need one, ask your local DMV or an attorney with traffic law experience.

How long do you need SR-22 insurance in Maryland?

You typically need to maintain an SR-22 for three years.

During this period, you must maintain continuous coverage without any lapses. If your policy is canceled or lapses, your insurer must notify the state, which could result in further penalties or a license suspension.

The bottom line on SR-22 in Maryland

The average SR-22 insurance rate in Maryland is $2,020, while the average cost of car insurance in Maryland is $1,966. This means SR-22 insurance in Maryland costs $54 more per year.

Keep in mind that there are numerous factors that affect the auto insurance premiums.

What our expert says

Q: How can you save on SR-22 insurance?

Sebastian HovCEO, 18 Insurance.

“Shop around: Different insurance companies offer varying rates for SR-22 insurance. It’s crucial to compare quotes from multiple providers to find the best option.”

Resources and Methodology

Sources:

Shouse Law Group. “SR22 Maryland.” Accessed December 2025.
Progressive Insurance. “What is an SR-22?” Accessed December 2025.

Methodology

Insure.com gathered rates from Quadrant Information Services for all states, including Washington, D.C. The rates are based on a sample driving profile of a 40-year-old male and female who drives a Honda Accord LX and opts for a full-coverage policy with coverage limits of 100/300/100 and a $500 comprehensive and collision deductible across most ZIP codes. We analyzed 5,000,736 insurance quotes from 27 companies.

Bob Haegele

Contributing Researcher

Bob Haegele is a personal finance writer. He covers car insurance, health insurance and life insurance. While working in the corporate world he started a personal finance blog. He later left his corporate job and began freelance writing full-time. Since then, he has made it his mission to help people master their money. His work has been featured in Business Insider, Forbes Advisor, Bankrate, FinanceBuzz and others.