What exactly does SR22 insurance in Maryland mean? It’s an abbreviation that you might see after you’ve been involved in an accident that results in serious injury or death to others and your car was severely damaged.
The SR stands for safety responsibility, which refers to the minimum requirements set by the state of Maryland before it allows your driver’s license to be reinstated following an accident with these consequences.
What is an SR22 Insurance in Maryland
SR22 insurance Maryland, sometimes referred to as an form of liability car insurance that drivers are required to carry if they have been convicted of drunk driving and are unable to purchase traditional liability car insurance because of their conviction.
This type of car insurance carries a higher risk premium than other types of coverage, which means that it costs more. In the state of Maryland, the cheapest rates for an SR-22 are around $1,200 per year.
Who Needs SR22 Insurance in Maryland
Maryland law requires you to carry SR22 insurance if you have been convicted of driving under the influence and it has been determined that your license should be suspended or revoked. It also applies if you were given a DUI-related suspension or revocation, such as for refusing to take a breathalyzer test.
If your license has been suspended or revoked by the state, then you will need to purchase an SR22 certificate from an insurer who offers it.
If your license was not suspended but you’ve had three or more convictions for DUI, then you’ll also need to purchase this type of insurance coverage from an insurer who offers it.
Why do you need it SR22 Insurance in Maryland
SR22 insurance in Maryland will help keep your car from getting repossessed if you are caught driving without insurance.
These state-mandated policies are required for those who have been convicted of DUI, had their license suspended or revoked, or have been deemed a high-risk driver.
Your driver’s license can be suspended for at least two years and up to four years depending on how many times you’ve been convicted of certain offenses within the last five years.
How to Get an SR22 Insurance in Maryland
You can request that your insurance company submit an SR-22 to the state that requires one. A processing fee, which varies between companies, will be charged by your insurer. To get quotes from local, state-approved businesses, click (here).
Your insurer will send you the SR-22 form after they accept the SR22. Depending on the insurer, the SR-22 must be kept up-to-date for one to three years and timely renewed. Your driving record will be suspended until the SR-22 is reinstated if you don’t renew your SR22, and the insurer is legally compelled to tell the State.
Cost of SR22 insurance in Maryland
SR-22 insurance coverage is required in the state of Maryland when you are convicted of a DUI offense. If you have received a DUI conviction and your driver’s license has been suspended, then you will need to comply with the requirements of the state by obtaining this type of insurance.
The Cost of SR22 insurance in Maryland coverage varies depending on your driving history, but it can be upwards of $1,200 annually.
SR22 insurance in Maryland costs an average
SR22 insurance can be a great way to get back on the road again. But how much does it cost? With all of the different factors that can impact your rate, finding the cheapest sr-22 insurance in Maryland isn’t always easy.
SR22 insurance in Maryland costs an average of $60 to $120 per month, depending on the insurer and the offense that led to the SR-22 requirement.
Cheapest SR22 Insurance in Maryland
Cheap SR22 insurance in Maryland can be hard to find, especially when you need it quickly. There are a few things to consider when looking for the cheapest SR22 insurance in Maryland. For example, you should compare rates from at least three companies before settling on a price because some providers charge up to $1,000 more for the same coverage.
You should also consider the deductible options and other coverage details to make sure that the cheapest SR22 insurance in Maryland meets your needs.
If you’re having trouble finding cheap SR22 insurance in Maryland, below we’ll include a recommendation of cheap SR22 insurance companies that will help you find a plan that fits your budget.
How to Find the Best SR22 Insurance Rate in Maryland
Here’s how much SR22 insurance costs in MD, how to find the cheapest rates and what else you should know before signing up. If you’re looking for the best prices, start by doing a quick Google search for sr-22 insurance cost. You’ll usually see at least one list of companies sorted by highest to lowest prices.
Prices can range widely between companies though so make sure to check reviews as well. Companies with more reviews are often worth taking a closer look at. When reviewing quotes keep an eye out for any additional fees or taxes they might charge like administrative or renewal fees.
You might also want to do an online quote comparison calculator which will take into account things like your driving record, age and location as well as average miles driven annually when calculating rates; some also allow you compare quotes from multiple companies at once.
Cheapest Companies for SR22 Insurance In Maryland
The cost of insurance Sr22 insurance can vary greatly depending on the state in which you live.
We’ve highlighted the 7 cheapest insurance companies in Maryland. Travelers is the cheapest company offering $1,250 per year, while USAA is the second cheapest $1,411.
| Company | Average Annual Rate |
| Travelers | $1,250 |
| USAA | $1,411 |
| GEICO | $1,717 |
| Nationwide | $1,736 |
| State Farm | $2,072 |
| Progressive | $2,287 |
| Allstate | $2,516 |
Maryland Non-Owner SR22 Insurance
Maryland Non-Owner SR22 Insurance, also known as non-owner liability insurance. it’s the best option for drivers who don’t own a car but need insurance coverage. This includes liability coverage and other minimum coverages required by the state.
If you rent a car, borrow a friend’s vehicle, use public transportation, or if your car is being repaired and the law requires it, Maryland Non-Owner SR22 Insurance will cover your liability while operating someone else’s vehicle.
If you are caught driving without insurance in Maryland, you will be fined, suspended or revoked.
The Average Cost of Non-Owner SR22 Car Insurance In Maryland
If you have a driving record that doesn’t violate a DUI, it costs an average of $886 per year for non-owner SR22 Insurance in Maryland. This average fee will increase to $1,519 per year if you have a DUI in your records.
Below, we’ve listed the companies and average costs of non-owner auto insurance in Maryland:
Cheapest Companies for Non-Owner Sr22 Insurance In Maryland
| Company | Average Annual Rate |
| USAA | $480 |
| GEICO | $510 |
| Travelers | $688 |
| Nationwide | $843 |
| Progressive | $1,319 |
| MetLife | $1,476 |
Factors affecting the cost of sr22 car insurance in Maryland
Several factors that can affect the sr22 insurance premium in Maryland include:
- Gender
- Age
- Where you live (zip code)
- Driving record
- Car make and model
- How many years of driving experience you have
- Whether or not you smoke or drink regularly
When to Renew your SR22 insurance Maryland
ensure that you are covered at all times. If you don’t keep up with your renewal dates, then there is a chance that your policy will lapse and won’t be valid when you need it most.
