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 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
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Sources
- Maine Bureau of Motor Vehicles — SR-22 filing requirements and reinstatement procedures
- Maine Bureau of Insurance — minimum liability coverage standards and consumer guidance
- Insurance Research Council — uninsured motorist statistics and high-risk market data