Minimum Coverage Requirements in Maryland
Maryland operates under a traditional tort system with at-fault liability. The Maryland Motor Vehicle Administration requires proof of insurance at registration and following any license suspension. If you need an Employment Driving Permit during suspension, you must file SR-22 proof of financial responsibility before the permit is issued, not after.
Meeting the state minimum keeps you legal. See whether it's enough — get your Maryland quote.
Get your Maryland quoteHow Much Does Car Insurance Cost in Maryland?
Insurance for Employment Driving Permit holders in Maryland costs significantly more than standard policies because the SR-22 requirement flags you as high-risk. Rates vary by suspension cause, driving record prior to suspension, age, and county. Urban counties like Baltimore City and Prince George's face higher base rates than rural jurisdictions.
What Affects Your Rate
- Suspension cause: DUI-related suspensions increase premiums 80–120% over baseline rates, while points-related or administrative suspensions increase rates 40–70%.
- County: Baltimore City drivers pay 15–25% more than drivers in Frederick or Carroll County due to higher claim frequency and theft rates.
- SR-22 filing duration: Maryland typically requires 3-year filing periods for DUI suspensions and 1-year periods for points-related suspensions, and carriers price policies based on total risk exposure over that period.
- Employer verification: Some carriers reduce rates 5–10% if your employer provides a letter confirming restricted work hours and route, reducing your daily exposure compared to unrestricted drivers.
- Age and prior record: Drivers under 25 with restricted licenses pay 20–40% more than drivers over 30, and any at-fault accidents in the 3 years prior to suspension add another 30–50% to the premium.
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Get Your Free QuoteCoverage Types
SR-22 Insurance for Work Permits
The SR-22 certificate proves to the Maryland MVA that you maintain continuous liability coverage. Your carrier files it electronically and must notify the MVA within 10 days if your policy lapses.
Non-Owner SR-22 for Commuters
A liability-only policy for drivers who do not own a vehicle but need SR-22 filing to obtain an Employment Driving Permit. Covers you when driving employer vehicles or borrowed cars.
Liability Insurance (State Minimum)
Covers bodily injury and property damage you cause to others in an at-fault accident. Maryland's 30/60/15 minimum is the floor for legal driving and Employment Driving Permit eligibility.
Uninsured Motorist Coverage
Pays your medical bills and lost wages if you are hit by an uninsured or underinsured driver. Maryland requires carriers to offer it, and rejection must be in writing.
Commercial-Exclusion Personal Coverage
Personal auto policies for restricted-license holders whose jobs require driving but whose employer prohibits personal insurance from covering commercial use. The policy explicitly excludes business use beyond commuting.
