Maine SR-22 & High-Risk Auto Insurance

Maine requires SR-22 filing for DUI convictions, license suspensions, and uninsured accidents. The filing requirement typically lasts 3 years and costs $15–$35 to add to your policy, but high-risk premiums average $200–$400/mo depending on your violation type and driving history.

Updated April 2026

Minimum Coverage Requirements in Maine

Maine requires minimum liability coverage of 50/100/25: $50,000 bodily injury per person, $100,000 per accident, and $25,000 property damage. 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.

How Much Does Car Insurance Cost in Maine?

High-risk auto insurance in Maine costs $200–$400/mo for liability-only coverage and $300–$600/mo for full coverage, compared to $80–$130/mo for drivers with clean records. Your rate depends on violation type, time since the incident, age, vehicle, and location—DUI convictions add $150–$250/mo on average, while at-fault accidents add $80–$150/mo. Rates typically decrease after 12 months of continuous coverage and drop significantly once your SR-22 requirement ends after 3 years.

State Minimum (SR-22)

Meets Maine's 50/100/25 liability requirement and SR-22 filing obligation. Provides no coverage for your own vehicle and minimal protection in serious accidents.

Standard High-Risk

Includes 100/300/100 liability limits, uninsured motorist coverage, and SR-22 filing. Recommended for drivers with financed vehicles or significant assets to protect.

Full Coverage

Adds collision and comprehensive coverage to liability and SR-22. Required by lenders and protects your vehicle value, but significantly increases premiums for high-risk drivers.

What Affects Your Rate

Type of violation: DUI adds $150–$250/mo; at-fault accidents add $80–$150/mo; suspended license adds $100–$200/mo
Time since violation: rates decrease 10–15% after 12 months of clean driving, 20–30% after 24 months
Location: Portland and Bangor drivers pay 15–25% more than rural areas due to higher accident and theft rates
Age and experience: drivers under 25 with violations pay 30–50% more than drivers over 30 with similar records
Vehicle type: sports cars and luxury vehicles increase premiums 20–40% compared to sedans and minivans
Credit history: Maine allows credit-based insurance scoring, and poor credit can add 20–50% to high-risk premiums

Compare Auto Insurance Rates in Maine

Step 1 of 6: Location

Zip Code*

Currently Insured*

YesNo

Residence Type*

Find Your City in Maine

Sources

Maine Bureau of Motor Vehicles – SR-22 Requirements and Reinstatement Procedures
Maine Revised Statutes Title 29-A – Motor Vehicle Laws and Insurance Requirements
National Association of Insurance Commissioners – State Insurance Profiles

Get Your Free Quote in Maine