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.
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
See how much your violation actually affects your rates
Not every carrier surcharges the same way. Compare quotes from carriers that rate violations differently.
Get Your Free QuoteCoverage 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.
