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Maine SR-22 Insurance & High-Risk Auto Coverage

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 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.

Liability Insurance

Maine's 50/100/25 minimums are mandatory for SR-22 filing, but these limits can be insufficient after a major at-fault accident. Non-standard carriers in Maine frequently require 100/300/50 limits to write high-risk policies with SR-22 endorsements.

SR-22 Insurance

SR-22 is not a separate insurance policy but a certificate filed by your carrier proving continuous coverage to the Maine Bureau of Motor Vehicles. Maine requires uninterrupted SR-22 filing for the full duration—any lapse triggers license re-suspension and restarts the 3-year clock.

Uninsured Motorist Coverage

If you're already paying elevated premiums due to SR-22 requirements, a collision with an uninsured driver can leave you covering repair costs out-of-pocket.

Full Coverage

Full coverage combines Maine's required liability with comprehensive and collision protection for your own vehicle. For high-risk drivers with financed or leased vehicles, lenders typically require full coverage regardless of SR-22 status.

Non-Standard Auto Insurance

Non-standard carriers specialize in high-risk profiles including DUI convictions, multiple violations, and license suspensions requiring SR-22. These carriers assess risk differently than standard insurers and often offer SR-22 filing as a standard service. Maine's non-standard market includes regional carriers and national high-risk specialists who price based on violation recency, completion of driver improvement programs, and payment stability.

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

What Affects Your Rate

  • Type of violation: DUI convictions carry higher surcharges than single at-fault accidents
  • 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
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Coverage 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.

Find Your City in Maine

Portland

urban

Lewiston

suburban

Bangor

urban

Auburn

suburban

Augusta

urban