Maryland drivers with a DUI pay 40% more for car insurance than drivers without a DUI, on average. Drivers who have a DUI on their record are considered to be high-risk drivers. In addition to rising insurance costs, Maryland drivers with a DUI face a variety of penalties, such as up to a $1,000 fine and up to one year in jail.
Maryland does not require drivers with a DUI to file an SR-22 or FR-44 form, unlike all but nine other states. It has other measures in place these drivers must follow.
Good driving behavior can increase your chances of fully recovering from a DUI conviction in Maryland. Maintain your car insurance coverage and follow all other state driving laws to keep your record as clean as possible. Maryland drivers with a DUI can get an insurance policy with several companies, including State Farm and Nationwide.
Depending on your driving record, you should also check again for cheaper car insurance rates three to five years after a DUI. This is because the rate offered to you by an insurance company depends on what the company sees on your driving record. How far back the company looks at your driving history is known as the look-back period.
Different insurance companies have different look-back periods. For example, one company might look at the last five years of your driving history, while another may only look at the last three. A company with a look-back period of three years won’t see the DUI on your record after the third year and might offer you coverage at a lower rate.
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