SR-22s in Maryland: What You Need to Know
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- Is an SR-22 required?
- Maryland SR-22 requirements
- Moving to SR-22 required states
- License suspension implications
- Cheap insurance
In Maryland, after being convicted of a serious driving violation, you do not need your insurer to file an SR-22 form on your behalf; however, all drivers in-state must meet Maryland’s minimum liability requirements.
If you’ve been deemed a high-risk driver, your car insurance rates will go up—but that doesn’t mean your insurance costs need to be unmanageable.
Working with your insurance provider, and using the help of car insurance and broker app Jerry, you could be back on the road and driving safely in no time!
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Maryland doesn’t require SR-22 insurance?
No, you don’t need to get an SR-22 in Maryland after being convicted for a major driving offense.
That doesn’t mean you’re good to go, though. You’ll need to prove to the MVA that you still have the necessary requirements to stay on the road. In Maryland, that means basic liability insurance, which includes:
- $30,000 bodily injury per person
- $60,000 bodily injury per accident
- $15,000 property damage
Key Takeaway You’re not legally required to have an SR-22 in Maryland, but you’ll need to prove to the DMV that you have the minimum required insurance to stay on the road.
Who needs an SR-22 in Maryland?
Legally, drivers do not need to obtain an SR-22 in Maryland if they’ve had their license revoked or suspended. That can happen for one of the following violations:
- Driving under the influence
- Reckless driving
- Vehicular homicide
- Accruing too many points on your license
- Resisting a breathalyzer test
- Driving while uninsured
- Driving with unsatisfied judgments
MORE: What is a DUI?
Moving to a state that requires an SR-22
There is a catch, though. If you move to a state that requires an SR-22 to stay on the road, you’ll need your insurer to file one for you.
That means you’ll have to find new insurance altogether, as your Maryland provider likely won’t file one for you.
Key Takeaway If you’ve been convicted of a serious driving violation in Maryland and you’re moving to a new state, make sure you secure an insurer in your new state to file an SR-22 form on your behalf.
How does a license suspension impact your insurance in Maryland?
It’s good that you will still be able to get behind the wheel, but your insurance prices might spike. The exact figure will vary, but Maryland sees an insurance increase of roughly 40% after a DUI conviction.
You may have to purchase a new insurance package altogether. Your insurer might charge you way too much—so finding a new package could be smart. Should that happen, sign up for Jerry and get the best deal for you.
There is some good news, though! If you follow the rules and maintain an excellent driving record, you will be allowed to drive relatively normally.
How to find cheap car insurance
SR-22s aren’t great for your driving record or bank account. But they’re not the end of the world. You can still find a good car insurance package at a price that suits you. To find the best deal, use Jerry.
If you’re looking for a new insurance company, Jerry can provide you with competitive quotes in under a minute. Swapping is just as effortless. Jerry takes care of all the paperwork and phone calls and even cancels your old policy on your behalf.
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