SR-22 insurance in Maryland
What Maryland requires after a DUI, a lapse or driving uninsured, how long the filing lasts, what it costs the state, whether a non-owner filing works, and which companies in Maryland write the policies that carry it, from the state's own pages and the insurance company directory.
Maryland does not use an SR-22 certificate. No SR-22 is required. Insurers report coverage to the MVA electronically; after a lapse, the MVA asks for an FR-19 certification from your insurer showing coverage for the period in question. Not applicable. In a lapse case, your insurance agent submits an eFR-19 through the myMVA agent portal and your record updates in real time. What you need is an auto policy that meets the state minimum and proof of it for the reinstatement; 0 companies write personal auto here.
By Sam Alishahi, independent insurance broker · Every state
What Maryland requires
From Maryland Department of Transportation Motor Vehicle Administration (MVA); sources at the bottom.
| Filing | None (proof of insurance instead) |
|---|---|
| Who needs it | No SR-22 is required. Insurers report coverage to the MVA electronically; after a lapse, the MVA asks for an FR-19 certification from your insurer showing coverage for the period in question. |
| How long | Not stated by the state |
| State fees | No filing fee; insurers must give FR-19 forms free. Uninsured penalty: $200 per vehicle for 1-30 days, then $7 per day, capped at $3,500 per violation in 12 months. |
| Non-owner filing | Not stated by the state |
| How it's filed | Not applicable. In a lapse case, your insurance agent submits an eFR-19 through the myMVA agent portal and your record updates in real time. |
| If the policy cancels | Your registration is suspended automatically from the lapse date until new coverage is certified and the penalty is paid. Return plates within 48 hours of notice or your license may be suspended. |
| Minimum liability limits | 30/60/15 (bodily injury per person / per accident / property damage), plus matching uninsured motorist and $2,500 PIP unless waived. |
| Who handles it | Maryland Department of Transportation Motor Vehicle Administration (MVA) |
How to get it today
- Send the quote request with the reason for the filing (DUI, lapse, uninsured accident) and the date the state gave you; that goes to the companies above that take it.
- Bind the policy; the insurer sends the proof of insurance to the state electronically.
- Keep the policy paid for the whole period: a cancellation is reported to the state and usually restarts the suspension.
I'm licensed in 48 states and Washington, DC and your request stays with my agency, not passed to another agent. In Florida and Washington, where my licenses are still being issued, a partner agency in your state helps in the meantime.
Sources
- https://mva.maryland.gov/title-registration/auto-insurance-requirements
- https://mva.maryland.gov/title-registration/auto-insurance-requirements/auto-insurance-violation-penalties-payments
- https://mva.maryland.gov/your-mva-guide/businesses/insurers
- https://mva.maryland.gov/pia-request-driving-record-information/driver-record-codes
- https://insurance.maryland.gov/Consumer/Pages/auto-penalty.aspx
- https://insurance.maryland.gov/Consumer/pages/proof-of-insurance.aspx
Send it once. It gets filed.
A few minutes to request the quote; the companies that file proof answer by email, and the filing goes to the state when you bind.
Get a reminder before your renewal.
Tell me when your policy renews and I’ll email you about six weeks before, when it’s worth comparing. One email, no calls.