Maine SR-22 Insurance After DUI or Suspension

Maine requires SR-22 filing for DUI convictions, license suspensions, and uninsured accidents. The filing 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. Most standard carriers will non-renew you—finding coverage starts with knowing which non-standard insurers write SR-22 policies in Maine.

Updated April 2026

Minimum Coverage Requirements in Maine

Maine requires minimum liability coverage of 50/100/25: $50,000 per person for bodily injury, $100,000 per accident, and $25,000 for property damage. Drivers convicted of DUI, those with license suspensions for serious violations, or those involved in uninsured accidents typically must file SR-22 proof of financial responsibility with the Maine Bureau of Motor Vehicles for 3 years. Medical payments coverage of $2,000 is also mandatory unless you waive it in writing. These minimums may be insufficient if you cause a serious accident—excess liability beyond state minimums protects assets from lawsuits.

How Much Does Car Insurance Cost in Maine?

Maine high-risk premiums depend on violation type, time since the incident, and whether you require SR-22 filing. A DUI increases rates by 80%–150% on average, while a single at-fault accident raises premiums 40%–70%. Drivers with SR-22 requirements typically pay $200–$400/mo for minimum coverage from non-standard carriers, compared to $80–$140/mo for clean-record drivers with standard insurers.

State Minimum (SR-22)

Covers Maine's 50/100/25 liability minimums plus $2,000 MedPay and the SR-22 filing. No collision or comprehensive—cheapest legal option for drivers who own older vehicles outright and need to satisfy a filing requirement.

Standard High-Risk

Liability limits increased to 100/300/50, plus uninsured motorist coverage and $2,000 MedPay. Recommended for drivers with modest assets or financed vehicles requiring lender-mandated coverage levels.

Full Coverage (High-Risk)

Comprehensive and collision with $500–$1,000 deductibles, 100/300/100 liability, UM/UIM, and MedPay. Required if you have a loan or lease; practical if your vehicle is worth more than $5,000 and you cannot afford to replace it after a total loss.

What Affects Your Rate

Violation type and severity—DUI convictions increase rates 80%–150%, while at-fault accidents raise premiums 40%–70%
Time since incident—rates decrease 10%–25% per year as violations age off your record, typically within 3–5 years
SR-22 filing requirement—adds $15–$35 filing cost plus 20%–50% surcharge from non-standard carriers
Zip code and location—Portland and Bangor see higher rates due to traffic density and accident frequency; rural counties often see lower premiums
Credit-based insurance score—Maine allows insurers to use credit history; poor credit can add 30%–80% to your premium even after a violation
Vehicle type and value—comprehensive and collision premiums scale with vehicle replacement cost; older vehicles under $3,000 value often justify liability-only coverage to reduce monthly cost

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Sources

Maine Bureau of Motor Vehicles — SR-22 Requirements and Reinstatement
Maine Title 29-A Motor Vehicles Code — Financial Responsibility Laws
National Association of Insurance Commissioners — Uninsured Motorist Statistics

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