SR-22 Insurance in Maryland
There are no Maryland SR22 requirements as the state is a mandatory insurance state. As such, all drivers are exempt from SR-22 rates and must instead purchase a standard liability insurance policy. Although the SR22 insurance does not apply to Maryland drivers, residents who move to another state should be aware that their new state may require it.
SR22 insurance is a form of coverage required for drivers who many states have deemed to be problematic drivers. Usually, SR22 restricted drivers have been convicted of serious traffic-related incidents such as DUI or reckless driving. Below is more information on SR22 and how it may impact your driving privileges outside of Maryland.
What is Maryland SR22 insurance?
Maryland is a non-SR22 insurance state. However, it may apply to drivers who move to another state. In general, SR22 is a form or a rider to an insurance policy. The form serves to prove that the driver has the minimum liability insurance as required by the state. Many states require the form to protect others from any harm or damages caused by drivers with serious traffic violations.
Who needs SR22 insurance in Maryland?
In Maryland, who needs SR22 insurance isn’t as important as it is in other states. In many states, however, SR22 applies to habitual traffic violators who have lost their driving privileges as a result.
These drivers may be required to purchase the SR22 insurance as a condition to satisfying their penalties and regaining driving privileges. Some of the offenses that may require this specialized coverage are:
- Driving with a blood alcohol level of .08 or higher
- Leaving the scene of an accident
- Driving without insurance
- Driving with a suspended license or vehicle registration
- Excessive moving violations
Reinstating Driving Privileges With SR22 in Maryland
Drivers do not need to pay Maryland SR-22 rates for their insurance policy should they have their license suspended or revoked. Other states may require an SR22 form to reinstate their driving privileges. Motorists in other states are often required to maintain SR22 for a set time, usually between one and three years.
At the end of the suspension period, drivers may have the requirement lifted. Provided they have maintained SR22 for the time required by the state, drivers may a reinstatement fee and satisfy any outstanding penalties to regain their driving privileges.
How to Get SR22 Insurance in Maryland
Insurers do not provide SR22 insurance quotes in Maryland, as it is not required to satisfy the state’s mandatory insurance requirements. In Maryland, agents do not issue SR 22 insurance quotes but rather quotes for basic liability coverage limits imposed by the Maryland Motor Vehicle Administration.
Outside the state, insurance companies offer the form as an add-on to the policy. Drivers outside the state who need information on how to get SR22 insurance should consult with an agent licensed in that state. Most insurers consider problematic drivers to be high-risk and don’t offer the coverage. Those that do, however, charge a premium rate to offset the risk.
Penalties for Not Filing an SR22 Form in Maryland
Because the SR22 form in Maryland does not apply, the states that do require it may impose penalties for not filing one. Those states that require SR22 may suspend a motorist’s driver’s license or prohibit them from registering a vehicle without it.