Finding car insurance in Maryland after a DUI

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28 people are killed each day in the U.S. as a result of drinking and driving accidents. Both DUIs and DWIs are serious offenses and come with steep penalties. After being convicted of a DUI in Maryland, you will likely see an increase in your auto insurance premium. On average, drivers in Maryland see a 78% increase in car insurance costs after being convicted of a DUI, which is less than the national increase of 99%.

Having an understanding of DUI laws in Maryland, how DUIs affect your insurance and how to find insurance after you have been convicted of a DUI could help you to make educated decisions about your car insurance.

DUI laws in Maryland

Driving under the influence of alcohol or drugs is a serious offense in Maryland, as it is in most states. If you are convicted of a DUI, you could be fined, lose your license or even face jail time.

Under Maryland law, a DUI is defined as driving with a blood alcohol content of .08 or higher.

If you are convicted of a DUI in Maryland, you could face the following charges:

  • First offense: If this is your first DUI offense, you may be assessed a fine up to $1,000 and up to one year in jail. You could also have up to 12 points put on your driving record and your driver’s license could be suspended for up to six months.
  • Second offense: For a second DUI offense, you may have to pay up to a $2,000 fine and serve up to two years in jail (with a minimum limit of five days). You may have 12 points put on your license, which could be suspended for up to one year.
  • Two convictions within five years: Your license will likely be suspended, followed by your mandatory participation in Maryland’s Ignition Interlock Program. Ignition interlock devices require you to pass a breathalyzer test before the ignition of your vehicle will be unlocked.

For any of these offenses, you may be required to participate in an alcohol abuse program.

If you are convicted of a DWI in Maryland, you could face the following charges:

  • First offense: You could be fined up to $500 and be jailed for up to two months. You may have eight points added to your driving record and your licenses could be suspended for up to six months. If you are under 21, your license could be suspended for up to a year.
  • Second offense: You may have to pay up to a $500 fine and could be facing up to a year in jail. You could see eight points put on your license. Your license could be suspended for nine months to a year. If you are under 21, your license could be suspended for two years.

If you have a minor in the vehicle, cause an accident or cause serious injury or death, the penalties for these offenses could be steeper. Your penalty may differ depending on the specific circumstances of your DUI or DWI.

How a DUI affects your car insurance in Maryland

Having a DUI will very likely result in a premium increase on your policy. Car insurance rates are based partly on risk, and after you have a DUI on your record, you will likely be viewed as a high-risk driver. Your insurance company may decline to renew your existing policy and it may take a bit more research to find a company to insure you. However, there are companies who insure high-risk drivers.

Maryland drivers see an average annual auto insurance premium increase of 78% after being convicted of a DUI. Nationally, the average increase percentage is 99%. The premiums in the table below are average annual full coverage rates.

Pre-DUI Post DUI Percent increase
Maryland $1,877 $3,345 +78%
National average $1,674 $3,336 +99%

Each insurance company has different underwriting guidelines, and your premium depends heavily on your individual rating factors like the coverages you choose and your overall driving history. Your rates may be higher or lower than these average premiums.

Finding car insurance after a DUI in Maryland

Although you will likely be considered a high-risk driver after a DUI, there are ways for you to find auto insurance coverage. While some car insurance companies may not be willing to write a policy if you have a DUI, there are companies who work with high-risk drivers.

Because every insurance company is different, getting quotes from several companies may help you find coverage that fits your needs. Below are average annual full coverage premiums after a DUI from several major insurance providers in Maryland.

Car insurance company Average annual full coverage premium after a DUI
Progressive $2,067
USAA $2,126
Erie $2,152
State Farm $2,481
Geico $3,227

Frequently asked questions

How will a DUI in Maryland impact my criminal record?

DUIs are considered criminal offenses in Maryland, as they are in most states. Your DUI will be listed on your criminal record, and you could face fines, license suspension and jail time.

Can I get car insurance in Maryland after a DUI?

Car insurance companies review your driving record, credit score, age, marital status, and several other factors before determining your eligibility or rate. You will likely be able to find a car insurance policy after a DUI, but your premium will likely be higher than it would be if you had a clean record.

Can I get discounts on car insurance with a DUI?

Yes, you can likely still apply discounts to your car insurance premium after being convicted of a DUI. Each company offers different discounts, so researching companies could be beneficial. Finding a company with several discounts that you can take advantage of could reduce your premium.

Methodology

Bankrate utilizes Quadrant Information Services to analyze 2021 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Quoted rates are based on a 40-year-old male and female driver with a clean driving record, good credit and the following full coverage limits:

  • $100,000 bodily injury liability per person
  • $300,000 bodily injury liability per accident
  • $50,000 property damage liability per accident
  • $100,000 uninsured motorist bodily injury per person
  • $300,000 uninsured motorist bodily injury per accident
  • $500 collision deductible
  • $500 comprehensive deductible

To determine minimum coverage limits, Bankrate used minimum coverages that meet each state’s requirements. Our base profile drivers own a 2019 Toyota Camry, commute five days a week and drive 12,000 miles annually.

These are sample rates and should only be used for comparative purposes.

Incident: Rates were calculated by evaluating our base profile with the following incidents applied: clean record (base), at-fault accident, single speeding ticket, single DUI conviction and lapse in coverage.

Written by
Grace Kim
Insurance Contributor
Grace Kim has two years of experience in writing for finance and insurance domains such as The Cheapest Car Insurance Companies in New Jersey at Bankrate and Reviews.com. She has written about auto, homeowners, renters and life insurance. She holds an M.Sc from New York University in Corporate Communications and has spent most of her professional experience writing about finance and tech topics.
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