Cheapest SR-22 Insurance in Maryland for 2024 (Save With These 10 Providers)
Progressive, USAA, and State Farm have the cheapest SR-22 insurance in Maryland for $64/month. Progressive offers the lowest rates, and USAA has the best Maryland SR-22 insurance for military families. State Farm combines affordability with reliable nationwide SR-22 filings for drivers traveling out of state.
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Brad Larson
Licensed Insurance Agent
Brad Larson has been in the insurance industry for over 16 years. He specializes in helping clients navigate the claims process, with a particular emphasis on coverage analysis. He received his bachelor’s degree from the University of Utah in Political Science. He also holds an Associate in Claims (AIC) and Associate in General Insurance (AINS) designations, as well as a Utah Property and Casual...
Licensed Insurance Agent
UPDATED: Dec 19, 2024
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Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Dec 19, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
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17,760 reviewsThe top picks for the cheapest SR-22 insurance in Maryland are Progressive, USAA, and State Farm. The lowest rates start at $64/month.
If you’re wondering how much car insurance you need with an SR-22, Progressive has the best balance of low rates and flexible coverage. USAA is a good option for military members looking for a discount on their MD SR-22 insurance.
Our Top 10 Company Picks: Cheapest SR-22 Insurance in Maryland
| Company | Rank | Monthly Rate | A.M.Best | Best For | Jump to Pros/Cons |
|---|---|---|---|---|---|
 | #1 | $64 | A+ | Cheap Rates | Progressive |
 | #2 | $65 | A++ | Military Families | USAA |
 | #3 | $70 | B | National Presence | State Farm |
 | #4 | $72 | A+ | Custom Coverage | Nationwide |
 | #5 | $76 | A+ | Comprehensive Coverage | Allstate |
 | #6 | $78 | A | High-Risk Drivers | SafeAuto |
 | #7 | $82 | A++ | Flexible Coverage | Travelers |
 | #8 | $84 | A++ | Online Tools | Geico |
 | #9 | $85 | A+ | Federal Employees | Dairyland |
 | #10 | $89 | A | Flexible Payment | The General |
State Farm offers the most value because of its broad agent network and strong claims service. Keep reading to compare these companies based on affordability and reliable service to find cheap SR-22 coverage.
Find the cheapest SR-22 auto insurance in Maryland by entering your ZIP code into our free comparison tool today.
- Get affordable SR-22 insurance with minimum coverage in Maryland
- Progressive offers the cheapest SR-22 insurance in Maryland at $64/month
- Military members get cheap Maryland SR-22 insurance with USAA
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#1 – Progressive: Top Overall Pick
Pros
- Affordable Rates: Progressive offers the cheapest SR-22 insurance in Maryland for $64 monthly. Learn more in our Progressive auto insurance review.
- Broad Coverage Options: Drivers in Maryland enjoy broad policy options, from liability-only plans to customizable add-ons like roadside assistance, all suited for SR-22 filings.
- Strong Online Tools: Progressive simplifies SR-22 filings in Maryland with excellent digital support.
Cons
- Limited Local Offices: Fewer offices mean fewer in-person resources for drivers to get SR-22-related assistance in Maryland.
- High Add-On Costs: Progressive’s optional coverages can increase the price of the cheapest SR-22 insurance in Maryland.
#2 – USAA: Cheapest for Military Families
Pros
- Military Family Focus: USAA provides Maryland military families with cheap SR-22 insurance rates at $65 monthly.
- Top-Tier Financial Strength: An A++ rating ensures reliable claims for Maryland SR-22 policyholders.
- Competitive Rates: Our USAA auto insurance review compares auto insurance costs so you can find cheap SR-22 coverage in Maryland.
Cons
- Eligibility Limitations: Only military personnel and families qualify for USAA SR-22 insurance in Maryland.
- Limited Discounts: SR-22 policies in Maryland may not include all standard USAA savings options.
#3 – State Farm: Cheapest National Presence
Pros
- Competitive Rates: Maryland drivers enjoy affordable SR-22 insurance starting at $70 monthly. Find out more in our State Farm auto insurance review.
- Reliable Coverage: State Farm’s policies meet Maryland’s SR-22 requirements while offering strong protection.
- National Presence: State Farm’s widespread network supports SR-22 filings if you ever move out of Maryland.
Cons
- Lower Financial Rating: State Farm’s B rating may concern Maryland drivers seeking top-tier stability.
- Few Online Tools: State Farm’s digital resources for managing SR-22 insurance in Maryland are less robust.
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#4 – Nationwide: Cheapest for Custom Coverage
Pros
- Custom Coverage: Based on our Nationwide auto insurance review, Maryland drivers can customize SR-22 plans with add-ons, pay-per-mile, and usage-based insurance.
- Affordable Rates: Nationwide SR-22 insurance in Maryland is competitively priced at $72 monthly.
- Strong Financial Rating: Nationwide’s A+ rating ensures dependable SR-22 claims in Maryland.
Cons
- Limited Discounts: SR-22 policyholders in Maryland might not access Nationwide’s full discount range.
- Slower Digital Tools: Managing SR-22 insurance online may feel less streamlined for Maryland drivers.
#5 – Allstate: Cheapest for Comprehensive Coverage
Pros
- Competitive Rates: Allstate’s SR-22 insurance is reasonably priced at $76 monthly for Maryland drivers. Discover more in our Allstate auto insurance review.
- Affordable Full Coverage: Allstate SR-22 insurance in Maryland offers cheap comprehensive coverage with options like collision, liability, and uninsured motorist protection.
- Trusted Reputation: Maryland drivers benefit from Allstate’s proven history of handling SR-22 filings.
Cons
- High Premiums for Add-Ons: Allstate’s additional coverage increases costs for SR-22 insurance in Maryland.
- Limited Online SR-22 Support: Digital tools for filing SR-22 forms may feel less intuitive.
#6 – SafeAuto: Cheapest for High-Risk Drivers
Pros
- Tailored for High-Risk Drivers: Maryland drivers with SR-22 requirements benefit from policies specialized for drivers with DUIs or multiple accidents.
- Affordable Rates: SafeAuto provides cheap SR-22 insurance in Maryland starting at $78 monthly.
- Simple SR-22 Filing: As outlined by our SafeAuto auto insurance review, their streamlined filing processes make SR-22 compliance hassle-free in Maryland.
Cons
- Fewer Coverage Options: SafeAuto has limited policy customization for drivers who need full coverage SR-22 insurance in Maryland.
- Regional Limitations: SafeAuto’s SR-22 insurance resources may not be as extensive statewide.
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#7 – Travelers: Cheapest for Flexible Coverage
Pros
- Flexible Coverage: Travelers offers adaptable SR-22 insurance policies for Maryland drivers. Explore further options in our Travelers auto insurance review.
- Strong Financial Rating: Maryland drivers can trust Travelers’ A++ rating for claims reliability.
- National Support: Travelers’ broad network simplifies access to SR-22 services if you decide to move out of Maryland.
Cons
- Higher Rates: Travelers SR-22 insurance in Maryland starts at $82 monthly, above average for the state.
- Limited Discount Availability: Maryland SR-22 policyholders may not benefit from all Travelers savings.
#8 – Geico: Best Online Tools
Pros
- User-Friendly Online Tools: SR-22 filing is simplified with Geico’s strong digital platform in Maryland.
- Affordable Coverage: Compare MD SR-22 insurance quotes in our Geico auto insurance review.
- Excellent Financial Strength: Maryland drivers benefit from Geico’s A++ reliability for SR-22 claims.
Cons
- Minimal In-Person Support: Maryland drivers may need help accessing local SR-22 assistance with Geico.
- Limited Add-On Features: Geico has fewer options to enhance SR-22 insurance in Maryland.
#9 – Dairyland: Cheapest for Federal Employees
Pros
- Federal Employee Discounts: Maryland drivers working for the U.S. government get an 11% discount on Maryland SR-22 insurance rates.
- Specialized for High-Risk Drivers: Read our Dairyland auto insurance review to compare Maryland SR-22 insurance quotes for high-risk drivers.
- Smarter SR-22 Filing: Filing is quite straightforward with Dairyland to remain compliant with the requirements of the State of Maryland.
Cons
- Somewhat Higher Premiums: Dairyland’s rates are reasonably higher than the average price for SR-22 insurance in Maryland at $85 per month.
- Fewer Discount Opportunities: You’ll find more discounts on SR-22 insurance in Maryland with other companies.
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#10 – The General: Best for Flexible Payments
Pros
- Flexible Payment Options: The General has multiple SR-22 insurance payment plans to help drivers afford coverage. Get more information in our The General Insurance review.
- Expert Support for High-Risk Drivers: Having substantial experience with SR-22 insurance, The General gives special support to Maryland’s high-risk drivers.
- Seamless SR-22 Filing: The General makes the process easier with simplified SR-22 filing for a seamless experience for Maryland drivers.
Cons
- High Prices: Starting its SR-22 insurance at $89 per month makes it the most expensive on this list.
- Limited Customization: Drivers in Maryland have limited choices to customize The General SR-22.
Cheapest SR-22 Insurance Rates in Maryland
Progressive, USAA, and State Farm offer competitive SR-22 pricing, with monthly rates starting as low as $64. This table shows the Maryland SR-22 insurance cost a month from the best auto insurance companies.
Maryland SR-22 Insurance Monthly Rates by Provider & Coverage Level
| Insurance Company | Minimum Coverage | Full Coverage |
|---|---|---|
| $76 | $190 |
| $85 | $210 |
| $84 | $205 |
| $72 | $185 |
| $64 | $170 |
| $78 | $195 |
| $70 | $180 |
| $89 | $220 |
| $82 | $200 |
| $65 | $175 |
What’s the lowest form of car insurance in Maryland? That is minimum liability insurance. Compare minimum and full coverage auto insurance to find the most affordable SR-22 insurance for your budget.
Maryland auto insurance costs are driven by everything from weather conditions to traffic congestion, claim sizes, and even vehicle theft rates. Understanding these factors can help you find answers to what the most expensive car insurance is and make informed decisions to lower their insurance costs.
Maryland Report Card: Auto Insurance Premiums
| Category | Grade | Explanation |
|---|---|---|
| Weather-Related Risks | A | Minimal severe weather events |
| Average Claim Size | B | Moderate repair and injury costs |
| Traffic Density | B | Moderate congestion in cities |
| Uninsured Drivers Rate | C | Moderate uninsured driver rate |
| Vehicle Theft Rate | C | Higher risk in urban areas |
For example, moderately dense traffic, especially around major cities like Baltimore and Annapolis, tends to increase the likelihood of an accident, which in turn raises the rates. The average claim size for repairs and injuries is relatively modest but higher in metropolitan areas due to higher labor and parts costs.
Maryland’s moderate rate of uninsured drivers and vehicle theft in urban centers introduces risk that keeps premiums from being lower. This makes it relevant for drivers to consider what age car insurance is most expensive, as premiums can increase significantly with higher accident risks in these areas.
Read More: Cheap Auto Insurance for High-Risk Drivers in Maryland
Maryland SR-22 Auto Insurance Explained
Knowing what the minimum auto insurance required in Maryland can also help ensure you’re compliant with the state’s requirements. Filing SR-22 insurance confirms that you meet Maryland minimums after an insurance lapse or multiple traffic offenses.
If you’re wondering, does Maryland require proof of insurance? — the answer is yes. Proof of insurance is necessary to legally drive in Maryland, particularly if you need SR-22 insurance after a violation.
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Maryland SR-22 Insurance Cost-Saving Tips
To maximize savings on SR-22 insurance in Maryland, consider providers offering discounts for bundling policies and paying in full. These discounts can help offset the higher costs associated with SR-22 filings.
SR-22 Insurance Discounts From the Top Providers in Maryland
| Insurance Company | Available Discounts |
|---|---|
| Good Driver, Multi-Policy, Safe Vehicle |
| Good Driver, Advanced Quote, Homeowner |
| Good Driver, Multi-Policy, Anti-Theft Device |
| Good Driver, SmartRide, Anti-Theft Device |
| Good Driver, Multi-Policy, Continuous Insurance |
| Good Driver, New Customer, Pay-in-Full |
| Good Driver, Multi-Car, Safe Vehicle |
| Good Driver, Military, Multi-Car |
| Good Driver, Early Signing, Continuous Insurance |
| Good Driver, Family Discount, Loyalty |
The best SR-22 insurance in Maryland can be found through Progressive, USAA, and State Farm. Each company combines affordable rates with great discounts that lead to significant savings, ensuring you get the coverage you need at the best possible price.
Maryland Report Card: Auto Insurance Discounts
| Discount Name | Grade | Savings | Participating Providers |
|---|---|---|---|
| Good Student | A | 11% | Geico, Progressive, Allstate, Erie, Nationwide, State Farm, Travelers |
| Safe Driver | A | 10% | Geico, Progressive, Allstate, Erie, Nationwide, State Farm, Travelers |
| Paid-in-Full | A- | 9% | Geico, Progressive, Allstate, Erie, Nationwide, State Farm, Travelers |
| Defensive Driving Course | B+ | 8% | Geico, Progressive, Allstate, Erie, Nationwide, State Farm, Travelers |
| Multi-Policy | B+ | 8% | Geico, Progressive, Allstate, Erie, Nationwide, State Farm, Travelers |
| Advance Purchase | B | 5% | Geico, Progressive, Allstate, Erie, Nationwide, State Farm, Travelers |
| Anti-Theft Device | B | 5% | Geico, Progressive, Allstate, Erie, Nationwide, State Farm, Travelers |
| Paperless | B- | 4% | Geico, Progressive, Allstate, Erie, Nationwide, State Farm, Travelers |
| E-Payment | C+ | 3% | Geico, Progressive, Allstate, Erie, Nationwide, State Farm, Travelers |
| Safety Devices | C+ | 3% | Geico, Progressive, Allstate, Erie, Nationwide, State Farm, Travelers |
Top-tier discounts include the good student auto insurance discount. The paid-in-full discount offers a 9% discount to those who can pay their premium upfront.
Maximizing discounts like safe driver, good student, and defensive driving can help you secure the cheapest SR-22 insurance in Maryland.Laura Berry Former Licensed Insurance Producer
Additional savings are possible with a multi-policy discount, each at 8%. Learn how to save money by bundling insurance policies. These discounts can help mitigate what is the most expensive car insurance option in the state, bringing costs down.
All major insurers, such as Geico, Progressive, Allstate, and State Farm, offer these discounts in most cases, helping facilitate higher savings among Maryland drivers. Drivers can cut down the cost of insurance considerably by driving well, paying in full, or bundling policies.
Understanding Common Auto Insurance Trends in Maryland
The table below indicates the most frequent forms of auto insurance claims in Maryland, the share of the claims they consume, and the cost per claim spent on average:
5 Most Common Auto Insurance Claims in Maryland
| Claim Type | Portion of Claims | Average Cost per Claim |
|---|---|---|
| Rear-End Collisions | 29% | $3,000 |
| Single Vehicle Accidents | 19% | $4,900 |
| Parked Car Damage | 14% | $2,000 |
| Windshield Damage | 13% | $500 |
| Intersection Accidents | 11% | $6,000 |
The most common type of claim is rear-end collisions, which account for 29% of all claims. These usually occur in stop-and-go traffic and average about $3,000 per incident. Single-vehicle accidents, which include colliding with objects or rolling over, account for 19% of claims but are usually worse and average about $4,900.
Damage to parked cars, which accounts for 14% of claims, generally occurs in parking lots or small spaces, with an average cost of about $2,000 per claim. Windshield damage is the next most common, at 13% of claims, and is relatively inexpensive, at $500, usually caused by highway debris.
Understanding the most common types of accidents, such as rear-end collisions and single-vehicle incidents, is essential for finding the cheapest SR-22 insurance in Maryland, as insurers consider these factors when determining rates based on risk and claim history.Michelle Robbins Licensed Insurance Agent
Intersection accidents, while less frequent at 11%, are the most expensive, averaging about $6,000 because of the greater possibility of severe damage and injury. Knowing what is the lowest form of car insurance — liability auto insurance coverage — can help you determine if it covers these risks adequately.
Accident and insurance claim rates differ greatly geographically. The table below displays the number of accidents and claims reported annually in major cities in Maryland. If you’re seeking who typically offers the cheapest SR-22 insurance in Maryland, it’s worth noting that rates vary widely by location and driving history.
Maryland Accidents & Claims per Year by City
| City | Accidents per Year | Claims per Year |
|---|---|---|
| Annapolis | 1,800 | 1,500 |
| Baltimore | 15,000 | 12,000 |
| Bowie | 1,800 | 1,400 |
| College Park | 1,500 | 1,200 |
| Frederick | 2,500 | 2,000 |
| Gaithersburg | 2,200 | 1,800 |
| Hagerstown | 1,200 | 1,000 |
| Rockville | 3,000 | 2,400 |
| Salisbury | 1,100 | 900 |
| Towson | 1,700 | 1,300 |
Baltimore has the lead in the state with 15,000 accidents and 12,000 claims per year, showing its dense traffic and urban challenges. Rockville and Frederick are among the top cities that report high accident rates, with 3,000 and 2,500 accidents annually, respectively. In contrast, smaller cities like Salisbury and Hagerstown have fewer incidents: there are about 1,100 accidents and 900 claims reported every year in Salisbury.
Given these figures, many may wonder, is Maryland car insurance expensive? Higher accident rates in urban areas can indeed lead to higher premiums.
Awareness of the most common auto insurance claims and accident trends in Maryland helps drivers better understand potential risks and costs. Given that rear-end collisions and single-vehicle accidents are more common, keeping a safe following distance and driving attentively can minimize these risks.
Moreover, knowing cities with higher accident rates can make one more cautious while driving through those areas. Being in the know helps the drivers pick the right cover and take steps to minimize the chances of making costly claims.
Affordable Options for SR-22 Insurance in Maryland
Progressive, USAA, and State Farm provide the cheapest SR-22 insurance in Maryland, starting at $64 per month. All three companies meet the minimum auto insurance requirements by state without breaking the bank. Progressive offers a variety of plans and discounts to make getting an SR-22 as affordable as possible.
Progressive, USAA, and State Farm offer the most affordable SR-22 insurance in Maryland, starting as low as $64 per month — proving that even with an SR-22 filing, choosing the right provider and taking advantage of discounts can keep costs manageable.Brandon Frady Licensed Insurance Producer
USAA SR-22 insurance is exclusively provided for military persons and their families, but Progressive and State Farm are available throughout Maryland.
Enter your ZIP code into our free comparison tool to see how much you’ll pay for car insurance, including the cheapest SR-22 insurance in Maryland.
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Frequently Asked Questions
Does Maryland require SR-22 insurance?
Yes, Maryland requires SR-22 insurance for drivers who have committed serious violations or have been caught driving without insurance. To reinstate driving privileges, you must file for SR-22 coverage.
What company has the cheapest SR-22 insurance in Maryland?
Progressive, USAA, and State Farm often provide the cheapest SR-22 insurance in Maryland, depending on driving history and vehicle type.
Is car insurance high in Maryland?
Maryland’s car insurance rates are higher than the national average. If you need SR-22 coverage, expect to pay even more. Comparing quotes from different providers can help you find the cheapest SR-22 insurance in Maryland. Enter your ZIP code to find out if you can get a better deal.
Is collision insurance required by law in Maryland?
No, collision auto insurance is not legally required in Maryland, so liability-only coverage can help lower Maryland SR-22 insurance costs. However, if you have a loan or lease, your lender may require it.
What is the penalty for not having car insurance in Maryland?
Penalties include fines up to $2,500, license suspension, and the need to carry SR-22 insurance. To reduce costs, look for the cheapest SR-22 insurance in Maryland to meet state requirements.
What is the difference between SR-20 and SR-22?
An SR-20 form certifies a driver has liability coverage for an accident, while an SR-22 is a certificate proving ongoing insurance coverage for high-risk drivers. For drivers in Maryland, finding the cheapest SR-22 insurance is essential for reinstating driving privileges.
What happens if you get in an accident without insurance in Maryland?
Driving without insurance in Maryland can lead to fines, license suspension, and the requirement to file for SR-22 insurance. Obtaining the cheapest SR-22 insurance in Maryland can help reinstate your driving privileges.
What car insurance is mandatory in Maryland?
Maryland requires minimum liability coverage of 30/60/15. This covers $30,000 per person, $60,000 per accident for bodily injury, and $15,000 for property damage. SR-22 insurance ensures drivers meet these legal requirements.
Can you register a car without insurance in Maryland?
No, Maryland requires proof of insurance when registering a vehicle. If you need an SR-22, you must secure SR-22 insurance before registering your vehicle. Learn how to get instant proof of auto insurance online.
What is the cheapest car insurance in Maryland?
The cheapest Maryland auto insurance typically comes from USAA, Progressive, and State Farm. If you need an SR-22 in Maryland, your rates may be higher, but these companies offer competitive rates.
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Brad Larson
Licensed Insurance Agent
Brad Larson has been in the insurance industry for over 16 years. He specializes in helping clients navigate the claims process, with a particular emphasis on coverage analysis. He received his bachelor’s degree from the University of Utah in Political Science. He also holds an Associate in Claims (AIC) and Associate in General Insurance (AINS) designations, as well as a Utah Property and Casual...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.