Maryland SR-22 Insurance: Who Needs a Filing and for How Long
No — Maryland does not use the SR-22. Form used instead: FR-19.
- Used in this state
- No
The Maryland Vehicle Law has no SR-22 style filing that a driver must keep on file for a set number of years. Maryland instead tracks coverage continuously: insurers report policies and terminations to the MVA electronically, and when the MVA needs proof it asks for an insurer-certified form covering the period in question.
- Form
- FR-19
The FR-19 (Maryland Insurance Certification) is completed by your insurer and shows that the required coverage was in force during a period the MVA questions. Insurers must provide it free of charge to any policyholder, and they can submit it electronically as an eFR-19. It certifies past coverage; it is not a forward-looking SR-22 filing.
- What triggers it
- An MVA insurance compliance investigation into a possible lapse — the owner is asked for an FR-19 covering the period in question · Reinstating a vehicle registration suspended for a lapse — evidence of replacement coverage certified by an insurer or producer · A point-accumulation warning letter — evidence, within 30 days, that every vehicle registered to you has been continuously insured since the letter's date · Final rejection by the Maryland Automobile Insurance Fund — proof of coverage within 10 days, or the registration and license are suspended (Transp. §17-105)
How Maryland compares with every other state
Every statute cited for Maryland
Why the rule looks like this
- What Changed in 2026Liability minimums doubled in Hawaii, two states dropped pure comparative fault, New Hampshire stopped inspecting cars, and three crash reporting thresholds moved — a dated account of the 2026 changes, and the ones already signed for 2027 and beyond.
- The Fine Is the Cheapest PartA first-offense fine for driving uninsured runs from $30 in Florida to a $1,500 floor in Delaware — but South Carolina's $100 fine arrives with a $700 reinstatement fee, and the reinstatement is usually the bigger number.
- The Form Some States Do Not UseAn SR-22 is a certificate, not a policy — and in New York, Pennsylvania, Massachusetts, Maryland, North Carolina and Michigan the form does not exist at all.
More on Maryland
Checked against the primary sources above on September 22, 2026. If a figure here is wrong, tell us and we will fix it — what we have corrected so far is public.