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 required following DUI convictions, license suspensions for repeat violations, uninsured accidents, and court-ordered reinstatements. The Maine Bureau of Motor Vehicles monitors SR-22 compliance continuously, and carriers must notify the BMV immediately if your policy lapses during the required filing period. High-risk drivers often need coverage above state minimums to secure SR-22 acceptance from non-standard carriers.
How Much Does Car Insurance Cost in Maine?
Maine high-risk insurance premiums reflect violation severity, time since the incident, and SR-22 filing requirements. Drivers with a single DUI typically pay $2,400–$3,600 annually, while those with multiple violations or uninsured accidents can see rates reach $4,000–$4,800. Completion of driver improvement courses and 12–24 months of violation-free driving can reduce premiums by 15–25% with some non-standard carriers.
What Affects Your Rate
- Type of violation: DUI convictions carry higher surcharges than single at-fault accidents
- Time since incident: premiums typically decrease 10–20% annually after 12 months violation-free
- SR-22 filing duration: rates remain elevated throughout the 3-year requirement period
- Completion of state-approved driver improvement or alcohol education programs
- Payment history: non-standard carriers may offer discounts for 6+ months of on-time premium payments
- Vehicle location: rural counties often see lower collision rates but limited carrier competition
Compare rates from carriers that work with drivers who have points
Standard carriers surcharge heavily after violations. These specialists price your specific record differently.
Get Your Free QuoteCoverage Types
Liability Insurance
Covers injuries and property damage you cause to others in an at-fault accident. Maine requires 50/100/25 minimums, but a single hospitalization can exceed these limits.
SR-22 Filing
Certificate of financial responsibility filed by your insurer with the Maine Bureau of Motor Vehicles. Required for DUI, suspensions, and uninsured accidents.
Uninsured Motorist Coverage
Protects you when hit by a driver without insurance or with insufficient coverage. Covers medical bills, lost wages, and vehicle damage up to your policy limits.
Full Coverage
Combines liability, comprehensive, and collision coverage. Protects both your legal obligations and your own vehicle regardless of fault.
Non-Standard Auto Insurance
Specialized policies for drivers with violations, suspensions, or SR-22 requirements. Non-standard carriers price risk differently and offer flexible payment plans.
Collision Coverage
Pays for damage to your vehicle after an at-fault accident or single-vehicle crash. Deductibles range from $500–$1,000.
