Hardship License After DUI
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Maryland Hardship License After DUI

Maryland requires SR-22 filing with 30/60/15 minimum liability for 3 years after a DUI conviction. The state does not offer a hardship license or restricted driving privilege program — you must serve the full suspension period before reinstatement, typically 45 to 90 days for a first offense or 90 days to 1 year for a second offense.

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Non-Standard Auto · SR-22 · Senior · Teen Drivers

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Updated May 2026

Minimum Coverage Requirements in Maryland

Maryland is a tort state with mandatory insurance verification through the Maryland Insurance Administration. The state does not offer a hardship license, restricted license, or work permit program for DUI offenders — you cannot drive legally during your suspension period. After your suspension ends, you must file SR-22 proof of insurance, maintain it for 3 years without lapse, and pay reinstatement fees to the Maryland Motor Vehicle Administration before your license is restored.

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$30,000 per person / $60,000 per accident
Bodily Injury Liability
Covers injuries you cause to others in an at-fault accident. Maryland's 30/60 minimum is among the lowest in the nation — a single night in a trauma center can exceed $60,000, leaving you personally liable for the remainder. Most carriers writing post-DUI policies require higher limits as a condition of SR-22 filing.
$15,000 per accident
Property Damage Liability
Covers damage you cause to another vehicle or structure. The $15,000 limit covers a moderate sedan repair but falls short for newer SUVs or trucks. Maryland law holds you personally liable for any amount above your policy limit, and post-DUI drivers are already considered judgment-proof by most carriers.
Must match liability limits unless rejected in writing
Uninsured Motorist Coverage
Covers your injuries if you're hit by a driver with no insurance or insufficient coverage. Maryland automatically adds this coverage at the same limits as your liability unless you reject it in writing at policy inception — verbal rejection does not count. One in eight Maryland drivers is uninsured, and post-DUI drivers are statistically more likely to be hit during the suspension and post-reinstatement period.
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SR-22 Filing
The SR-22 is not insurance — it is a continuous filing submitted by your carrier to the Maryland Motor Vehicle Administration proving you maintain at least state minimum coverage. Your carrier files electronically within 24 hours of policy issuance. If your policy lapses or cancels for any reason during the 3-year filing period, the carrier notifies the MVA within 10 days and your license is re-suspended immediately.
State-Mandated Minimum Coverage · Maryland

Maryland Minimum Coverage

CoverageMinimum
Bodily Injury (per person)$30,000
Bodily Injury (per accident)$60,000
Property Damage$15,000

License Reinstatement Fee$45

Meeting the state minimum keeps you legal. See whether it's enough — get your Maryland quote.

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How Much Does Car Insurance Cost in Maryland?

Maryland post-DUI rates run $210 to $390 per month for SR-22 minimum coverage, depending on offense number, BAC level, and whether you refused the breath test. Carriers classify Maryland DUI convictions by statute code — Transportation Article 21-902 violations trigger higher surcharges than wet reckless plea reductions under 21-901.1, even when the SR-22 filing period is identical.

What Affects Your Rate

  • Second-offense DUI drivers in Maryland pay 40% to 70% more than first-offense drivers for the same SR-22 coverage, even when suspension length is identical.
  • Refusal to submit to a breath test adds $60 to $140 per month to your premium — Maryland treats refusal as an implied admission and carriers surcharge accordingly.
  • Baltimore City, Prince George's County, and Montgomery County zip codes add $30 to $90 per month due to higher uninsured motorist rates and theft claims.
  • Drivers with a DUI and an at-fault accident within the same 36-month period are classified as uninsurable by standard carriers and must use the Maryland Automobile Insurance Fund assigned risk pool.
  • BAC level at arrest matters — 0.15 or higher triggers aggravated DUI surcharges in Maryland, adding 20% to 35% to your base premium even on a first offense.
SR-22 Minimum Coverage
$210–$390/mo
State minimum 30/60/15 liability with SR-22 filing. Most non-standard carriers writing post-DUI policies in Maryland require uninsured motorist coverage at matching limits as a binding condition, even if you attempt written rejection.
Enhanced Liability
$280–$510/mo
100/300/50 liability with SR-22 filing. Recommended if you own property, have wage income subject to garnishment, or drive a financed vehicle — Maryland courts allow unlimited collection periods for judgments exceeding your policy limits.
Full Coverage with SR-22
$390–$740/mo
Enhanced liability plus comprehensive and collision with $1,000 deductible. Required by Maryland lienholders if you finance or lease a vehicle during the SR-22 filing period. Collision claims during the first 12 months post-reinstatement trigger policy review and potential non-renewal.

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Coverage Types

SR-22 Insurance

Continuous proof-of-insurance filing required by the Maryland MVA after DUI conviction. Your carrier files electronically and notifies the state within 10 days if your policy lapses.

Non-Owner SR-22

SR-22 filing attached to a non-owner liability policy for drivers who do not own a vehicle but need to satisfy Maryland's post-DUI insurance requirement.

High-Risk Auto Insurance

Non-standard carrier policies designed for drivers with DUI convictions, suspended licenses, or multiple violations who cannot obtain coverage from preferred carriers.

Uninsured Motorist Coverage

Covers your medical bills and lost wages if you are hit by a driver with no insurance or insufficient coverage to pay your claim.

Find Your City in Maryland

Baltimore, Maryland cityscape and street view

Baltimore

urban
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Columbia

suburban
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Germantown

suburban
Blooming tree on hillside meadow at sunset with golden light filtering through white blossoms and green landscape

Silver Spring

suburban
Frederick, Maryland cityscape and street view

Frederick

suburban
Stone church with red door, round window, and castellated tower surrounded by green trees

Rockville

suburban
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Gaithersburg

suburban
Colorful wooden houses lining a narrow residential street with traditional architecture and front porches

Annapolis

urban

Frequently Asked Questions

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