Car Insurance After a DUI in Maryland: Cheapest Companies & Rates (2026)
A DUI in Maryland increases car insurance rates by an average of 77%, raising a typical full coverage policy from $2,094/year to $3,706/year. That's an increase of $1,612/year ($134/month). Rates typically return to normal after 3-7 years.
DUI Rate Impact in Maryland
Before DUI
$175/mo
$2,094/year full coverage
After DUI (+77%)
$309/mo
$3,706/year full coverage
Cheapest Companies After DUI in Maryland
| Company | Monthly | Annual | Best For |
|---|---|---|---|
| CheapestUSAA | $229/mo | $2,742/yr | Military families |
| Erie Insurance | $244/mo | $2,928/yr | Rate lock guarantee |
| GEICO | $253/mo | $3,039/yr | Clean driving record |
| Progressive | $272/mo | $3,261/yr | Telematics savings |
| State Farm | $281/mo | $3,372/yr | Good students |
| Travelers | $293/mo | $3,521/yr | Multiple discounts |
| Nationwide | $321/mo | $3,854/yr | Bundling home + auto |
| Farmers | $334/mo | $4,002/yr | Signal telematics |
| Allstate | $346/mo | $4,151/yr | Accident forgiveness |
| Liberty Mutual | $364/mo | $4,373/yr | New car replacement |
Rates based on a 30-year-old driver with one DUI conviction, Maryland, full coverage. Updated March 2026.
These are estimates based on state averages. Your exact rate depends on your specific profile.
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DUI Legal Consequences in Maryland
- License suspension for 90 days to 1 year (first offense)
- Fines ranging from $500 to $5,000+
- Mandatory alcohol education or treatment program
- Possible ignition interlock device requirement
- SR-22 insurance filing required for 3 years
- Potential jail time (varies by BAC level and prior offenses)
SR-22 Insurance in Maryland
An SR-22 is a certificate of financial responsibility that your insurer files with the state. It's not a type of insurance — it's proof that you carry at least the state minimum coverage.
- Filing fee: $15-50 (one-time)
- Duration: 3 years in Maryland
- Lapsing your SR-22 triggers immediate license suspension
- Not all insurers offer SR-22 — Progressive, GEICO, and State Farm do
When Do Rates Return to Normal?
| Years After DUI | Estimated Monthly Rate | vs. Clean Record |
|---|---|---|
| Year 0 | $309/mo | +77% |
| Year 1 | $295/mo | +69% |
| Year 2 | $275/mo | +58% |
| Year 3 | $242/mo | +39% |
| Year 5 | $201/mo | +15% |
| Year 7 | $175/mo | Normal |