Elijah Black

Lead Insurance Writer

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.

Lead Insurance Writer

Rachael Brennan

Licensed Auto Insurance Agent

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...

Licensed Auto Insurance Agent

UPDATED: Dec 4, 2023

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What is Maryland SR-22 Insurance

Maryland SR-22 car insurance certificate, or financial responsibility insurance form, is a document a driver carries in his vehicle as proof that he is financially responsible for carrying the minimum amount of car insurance as required by law.

Six major factors affect car insurance rates in Maryland. Which auto insurance factors will affect SR-22 rates the most? Typically that’s a MD DUI.

Who Needs SR-22 Car Insurance?

In the state of Maryland, SR-22 car insurance must be carried by motorists who were involved in an accident and was uninsured at the time and failed to pay compensatory damages; drivers with unsatisfied judgments; drivers whose licenses were revoked for other reasons; or drivers with three or more mandatory insurance violation convictions.

Are There Different Types of SR-22 Forms?

There are three types of SR-22 car insurance: Operator, Owner and Operator-Owner. An Operator SR-22 form covers drivers who operate but do not own a car. An Owner SR-22 form covers drivers who own and operate a car. An Operator’s-Owner SR-22 form covers all vehicles owned or not owned by the driver.

Is SR-22 Car Insurance Required in Maryland?

The state of Maryland does not require motorists to file a SR-22. Drivers who are required to file a SR-22 in another state should continue to do so. Suspension of your driver’s license in another state could result in losing your driving privileges in the state of Maryland.

How Do I File a MD SR-22 Car Insurance Form?

You can ask your insurer to file an SR-22 with the state requiring the SR22. Your insurer will charge a processing fee, which can vary among agencies. You can go (here) to request a quote from state-authorized agencies in your area. Upon acceptance of the SR22, your insurer will send you the SR-22 form. The SR-22 must be maintained for one to three years, depending on the insurer, and renewed in a timely manner. If you fail to renew your SR22, the insurer is required by law to notify the State and your driving record will be suspended until the SR-22 is reinstated.