05/29/2026
Our latest article explains what an SR-22 actually is: a simple form your insurance company files with the Maryland MVA to prove you have the state-required liability coverage. You typically need one after a DUI, driving without insurance, driving on a suspended license, or accumulating too many points.
In Maryland, most drivers need to keep an SR-22 on file for three years. If your insurance lapses even one day during that time, the clock usually resets.
An SR-22 is not a punishment. It's not a special type of insurance, and it's not as complicated as it sounds. It's just a piece of paperwork.