Cheapest SR-22 Car Insurance in Maryland

GEICO provides the cheapest SR-22 insurance in Maryland at $88 monthly for minimum coverage and $150 for full coverage, 70% lower than the state's average overall. This rate applies only to 40-year-old drivers with a DUI on record, and Erie Insurance, State Farm, Travelers and Cumberland Mutual may offer more affordable rates for your profile.

* Rates represent a 40-year-old male driver with a DUI, good credit and a 2012 Toyota Camry LE.

GEICO stands out as the clear winner for SR-22 insurance in Maryland, leading all seven categories we analyzed. From young drivers with suspensions to those with racing violations, GEICO consistently offers the most affordable SR-22 coverage options for Maryland drivers.

* Rates for most drivers are represented by a 40-year-old male driver with a DUI, good credit and a 2012 Toyota Camry LE. All other profiles are modifications of these factors. Young drivers are represented by 25-year-olds, and seniors are represented by 65-year-olds; all other violations represent those with suspensions that are not due to driving violations.

Our general winners provide a starting point, but your best insurance rates depend on personal factors. The table below matches you with affordable providers based on your age, gender, coverage needs, credit score and driving record.

GEICO offers the cheapest SR-22 car insurance across Maryland, with rates starting at $67 per month in some cities. Here's how much you'll pay in major cities throughout the Old Line State.

* Rates represent a 40-year-old male driver with a DUI, good credit and a 2012 Toyota Camry LE.

Erie Insurance stands as the best car insurance provider for SR-22 filing because it offers the strongest combination of affordable rates, quality customer service and comprehensive coverage options in Maryland. When searching for SR-22 coverage, also consider Travelers, Progressive, State Farm and GEICO.

SR-22 car insurance in Maryland costs an average of $2,364 per year for minimum coverage and $3,984 annually for full coverage policies. The Old Line State ranks 31st in affordability for minimum coverage and 28th for full coverage nationwide. Monthly premiums can range from $143 to $1,308, depending on your driving profile.

*Average rates shown represent a 40-year-old male driver with a DUI, good credit and a 2012 Toyota Camry LE.

Based on MoneyGeek's analysis of Maryland SR-22 insurance rates, Crownsville offers the lowest minimum coverage premiums at $141 monthly, while Gwynn Oak has the highest at $268. Below you can review costs for major cities in the state for both full and minimum required coverage policies.

* Rates shown are for a 40-year-old male driver with a DUI, good credit and a 2012 Toyota Camry LE.

To comply with Maryland laws, you must carry these minimum liability limits:

• $30,000 personal injury liability per person
• $60,000 personal injury liability per accident
• $15,000 property damage liability per accident

In the state, SR-22 certificates are usually required for three years. It can be extended beyond three years, depending on the violation and if there is noncompliance with requirements or repeated offenses.

Beyond filing an SR-22 for Maryland's minimum coverage requirements, drivers must comply with several other important insurance regulations and state laws.

In Maryland, drivers with severe violations must file an SR-22 to prove they have minimum coverage. This requirement lasts three to five years, depending on the offense. While an SR-22 costs more, cheap car insurance options are available for these drivers.

Below are frequently asked questions about SR-22 certifications in Maryland:

MoneyGeek analyzed hundreds of thousands of quotes across Maryland to determine the average cost of car insurance premiums for drivers with various profiles that would likely need an SR-22. All data was sourced from Quadrant Information Services and extrapolated by our team to give you personalized recommendations for your specific profile.

Maryland SR-22 Driver Profile

We collected data for a sample driver with the following attributes and modified it to other common profiles for those needing an SR-22:

• 40-year-old male
• Driving record with a DUI
• 2012 Toyota Camry LE
• 12,000 miles driven annually
• Suspended license
• Single
• No claims history

Coverage Levels and Deductibles

We gathered quotes for minimum coverage policies to help drivers find the cheapest SR-22 insurance for their coverage needs. Quotes were based on Maryland's minimum coverage requirements, with the following limits:

• $30,000 personal injury liability per person
• $60,000 personal injury liability per accident
• $15,000 property damage liability per accident

We based our analysis for full coverage quotes that include comprehensive and collision protection on these coverage amounts with a $1,000 deductible:

• $100,000 bodily injury liability per person
• $300,000 bodily injury liability per accident
• $100,000 property damage liability per accident

Our Best SR-22 Company Rating Methodology

We rated all companies based on the following rating scale:

• Affordability (60% of score): We analyze premium costs by gathering quotes across multiple driver profiles and comparing pricing against regional competitors. This substantial weight reflects the primary concern most consumers have when selecting insurance coverage.
• Customer experience (30% of score): Our customer service evaluation includes Google reviews, J.D. Power scores, AM Best financial ratings, and consumer feedback from Reddit discussions. We check these different sources to see how companies really perform for their customers.
• Coverage options (10% of score): We evaluate the breadth and depth of available coverage types, examining both the quantity of options and the distinctiveness of specialized benefits or unique features each provider offers.

Learn more about MoneyGeek's car insurance methodology.