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Maine SR-22 & High-Risk Auto Insurance

Maine requires 50/100/25 liability coverage and is an at-fault state.

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Maine at a Glance

50/100/25

Minimum liability limits, in thousands of dollars (per person / per accident / property)

At-fault

The at-fault driver's insurance pays for the damage they cause

Required

PIP and Uninsured motorist coverage must be on every policy

Yes

A defensive driving course can reduce points on your record

Source: state DMV, insurance department and statute records, verified July 2026

Minimum Coverage Requirements in Maine

SR-22 filing is typically mandated after DUI convictions, at-fault uninsured accidents, repeat violations within a 12-month period, or license suspensions for accumulating excessive points. The Bureau of Motor Vehicles requires continuous proof of insurance for the duration of your SR-22 period—typically 3 years—and any lapse restarts the clock. High-risk drivers in Maine often carry higher limits than the state minimum to satisfy SR-22 requirements and protect against financial exposure after a violation.

Liability Insurance

Maine's 50/100/25 minimum is required for SR-22 filing, but many high-risk drivers carry 100/300/100 to reduce out-of-pocket risk after an at-fault accident. The Bureau of Motor Vehicles monitors continuous coverage electronically, and your insurer reports lapses within 10 days. A single day without active liability coverage during your SR-22 period resets the 3-year requirement and can result in immediate license suspension.

SR-22 Insurance

SR-22 is a certificate filed by your insurer with the Maine Bureau of Motor Vehicles proving you carry at least minimum liability coverage. Not all carriers offer SR-22 filing in Maine—non-standard insurers like The General, National General, and Progressive are the most accessible options for drivers with DUI or multiple violations.

Uninsured Motorist Coverage

Maine law requires insurers to offer uninsured motorist (UM) coverage matching your liability limits, and you must decline it in writing. If you're hit by an uninsured driver during your SR-22 period and file a claim, your rates may increase further even though you weren't at fault.

Full Coverage

Full coverage combines liability, collision, and comprehensive insurance, and is required by lenders if you finance or lease your vehicle. Collision and comprehensive claims during your SR-22 period can further elevate your rates for 3–5 years.

Non-Standard Auto Insurance

Non-standard carriers specialize in high-risk profiles and are often the only option after a DUI, suspension, or multiple violations in Maine. These insurers—such as Dairyland, Bristol West, and Foremost—charge higher premiums but offer flexible payment plans and same-day SR-22 filing. Rates typically decrease after 12–18 months of continuous coverage if you avoid new violations.

What Drivers Pay in Maine

$165–$205/mo

Typical monthly rate in Maine, drivers after a speeding ticket

Rate data: ValuePenguin and CarInsurance.com, 2026

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Coverage Types

SR-22 Insurance

Certificate filed by your insurer proving you carry Maine's minimum liability coverage. Required for 3 years after DUI, suspension, or uninsured accidents.

Non-Standard Auto Insurance

High-risk coverage from carriers specializing in drivers with violations, DUIs, or license suspensions. Often the only option after a major violation in Maine.

Liability Insurance

Covers injuries and property damage you cause to others. Maine requires 50/100/25, but high-risk drivers often carry 100/300/100 to reduce financial exposure.

Full Coverage

Combines liability, collision, and comprehensive coverage. Protects your vehicle and satisfies lender requirements if you finance or lease.

Uninsured Motorist Coverage

Covers your medical bills and vehicle damage if you're hit by a driver without insurance. Maine requires insurers to offer it at limits matching your liability coverage.

Collision Coverage

Pays to repair or replace your vehicle after an accident, regardless of fault. Required by lenders and especially expensive for high-risk drivers.

Find Your City in Maine

Portland

urban

Lewiston

suburban

Bangor

urban

Auburn

suburban

Augusta

urban