Non Owner Auto Insurance Quotes

Home States Maryland

Maryland Non Owner SR22 Insurance

The state of Maryland does have many companies that provide non-owner SR22 insurance if you need to file the form without a car. Simply put it is an auto insurance policy that you get through most companies in MD but the policy is designed for only liability protection because there is not a specific car to insure. For this reason it can be cheaper and more affordable for someone to not have a car while they are trying to reinstate their license.

If you were convicted of reckless driving, involved in an injury/death related accident or driving under the influence of drugs/alcohol you need to file an SR22 form. We make is simple and quick to find cheap non-owner SR22 insurance in Maryland. Just take a few minutes to use our online comparison tool and start saving money today.

Maryland SR22 Insurance Requirements

Maryland is one state that has very low required minimum liability limits relative to other states. This doesn't mean it is a good thing but it allows drivers to reinstate their license with only small amounts of liability protection. Even though you don't own a car the chances are you still need to be able to drive one if the situation called for it. Having non-owner auto insurance in Maryland can be very cheap but you may not get much coverage for it.

Bodily Injury Per Person Bodily Injury Per Occurrence Property Damage
$20,000 $40,000 $15,000

Consider the minimum limits above and think about a car accident that totals the vehicle and possibly injures the other driver. In that case it is likely the value of the vehicle was over $15,000 and equally likely that the injuries will cost more than $20,000 to repair. We don't provide advice but insurance agents do and ask them if this amount of coverage adequate for your needs.

How much is non-owner SR22 insurance in Maryland?

The good news is non-owner SR22 insurance in MD is cheaper than full coverage auto insurance based on the same driver buying the policy. The bad news is having the SR22 insurance requirement will likely cost you more money for at least three years since you will be surcharged for the license suspension causing the need to file an SR-22. We can help you find non-owner SR22 insurance in Maryland by comparing rates from multiple companies online right now.

Compare SR22 Insurance Rates:  

After you have compared the rates from at least 3 different companies it is possible to file your SR22 today and get proof of insurance immediately. Be prepared to pay a filing fee for the SR22 form which is normally $25 but can be higher depending on the situation.

SR22 Insurance FAQs

Can I get SR22 Insurance without a vehicle?

Yes, in fact this can often be the most cost effective way to get SR-22 insurance. If you don't own a vehicle you can ask for a non owner auto insurance policy which is explained below. 

What is an SR22 filing?

SR22 Auto Insurance is simply proof of liability insurance for the state. This certificate proves that the driver carries liability insurance that meets the state minimum requirement. The SR-22 form is submitted to the state from the insurance company and they will notify if the policy is cancelled.

How long do I need an SR22?

Many states require you to carry an SR22 from 3 to 5 years depending the type of violation. If you cancel the SR22 during the probation period you will need to start over.

What is a non-owner auto insurance policy?

If you don't own a vehicle and still need to carry liability insurance you can start a non-owner policy. Many drivers who need to file an SR22 form don't have a vehicle so they would need a non-owner SR22 insurance policy. This policy allows you to drive any car with at least state minimum liability limits.