Elijah Black is a Greenville, South Carolina native with a B.A. English from Coastal Carolina University. He is a fiction writer and also works as a freelance writer and editor. He’s worked as a Production Assistant for WYFF 4 and has been published in several publications and websites across the United States.

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Rachael Brennan has been working in the insurance industry since 2006 when she began working as a licensed insurance representative for 21st Century Insurance, during which time she earned her Property and Casualty license in all 50 states. After several years she expanded her insurance expertise, earning her license in Health and AD&D insurance as well. She has worked for small health in...

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Reviewed by Rachael Brennan
Licensed Auto Insurance Agent Rachael Brennan

UPDATED: Apr 23, 2021

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Don't Forget These Facts

  • An SR-22 is generally required after a major offense and is either a result of poor driving or not having auto insurance coverage
  • An FR-19 form is simply required to show you are auto insurance
  • Maryland requires that auto insurance companies issue an FR-19 for free

When it comes to an SR-22 vs. FR-19 (Maryland), the differences may be tricky to navigate. Both forms are required by the state, but for very different reasons.

While an FR-19 doesn’t raise your auto insurance rates, an SR-22 can mean much higher rates. The good news is that it’s still possible to find cheap SR-22 insurance.

Whether you need an SR-22 or an FR-19 in Maryland, shop around for the best deal. Enter your ZIP code now to compare auto insurance quotes from multiple companies near you.

What’s the difference between an SR-22 and an FR-19 in Maryland?

Maryland, like most states, requires that drivers carry at least a minimum amount of auto insurance. Sometimes the MVA will require proof that you have or have had auto insurance. This is where SR-22 and FR-19 forms come in.

According to the Insurance Information Institute, 14% of Maryland drivers are uninsured. The purpose of an SR-22 and an FR-19 is make sure drivers have car insurance.

Both an SR-22 and an FR-19 form are requested by the MVA, and both forms are filed by your auto insurance company showing that you carry at least the state minimum for auto insurance. However, the reasons they are required are very different.

Typically, an SR-22 form is required because of a major infraction and must stay in place for a set number of years. If you allow your auto insurance to lapse during that time period, the MVA will be notified.

Some of the reasons you may have to file an SR-22 are:

  • Excessive points on your license
  • DUIs
  • Failure to keep current auto insurance

While the SR-22 form itself is inexpensive, the consequences are not. If you are required to submit an SR-22, you will be seen as a risky driver causing your auto insurance rates to skyrocket.

A Maryland FR-19 also shows that you have current auto insurance or had coverage at a specific point in the past. There is no time period that the form must be in place. It simply states you have coverage.

Some of the reasons you may have to provide an FR-19 form are:

  • The MVA has been notified by your old insurance company that your auto insurance was canceled
  • You have three or more points on your license
  • You have to show proof of insurance as part of an audit

Unlike with an SR-22, your auto insurance rates won’t go up if you have to provide an FR-19. In fact, Maryland requires that your auto insurance company provide the form for free.

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How do an SR-22 and an FR-19 get filed in Maryland?

Both an FR-19 and SR-22 filing is handled by your auto insurance company. You should not have to physically file the form, but you do have to request the form from your insurance company. Depending on the company, you may have to make the request in writing.

Even if you have to have SR-22 coverage, you can still find affordable auto insurance. Shop around and compare quotes to find the cheapest car insurance for you.

Enter your ZIP code now to compare auto insurance with an SR-22 or FR-19 in Maryland for free.