Maine SR-22 Insurance After DUI or Suspension
Maine requires 50/100/25 liability coverage and is an at-fault state.
Find Coverage After a Traffic ViolationMaine 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
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. These minimums may be insufficient if you cause a serious accident—excess liability beyond state minimums protects assets from lawsuits.
Bodily Injury Liability
Property Damage Liability
Medical Payments Coverage
SR-22 Certificate of Financial Responsibility
Uninsured/Underinsured Motorist Coverage
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
- Zip code and location—Portland and Bangor see higher rates due to traffic density and accident frequency; rural counties often see lower premiums
See Who Will Insure You After a Ticket
Find Coverage After a Traffic ViolationCoverage Types
SR-22 Insurance
Liability coverage paired with an SR-22 certificate filed with the Maine Bureau of Motor Vehicles. The filing proves you carry continuous coverage—lapses trigger immediate license suspension and restart your 3-year requirement.
Non-Standard Auto Insurance
Coverage from insurers specializing in high-risk drivers—those with DUIs, suspensions, SR-22 requirements, or multiple violations. Non-standard carriers accept profiles that standard insurers decline or non-renew.
Liability Insurance
Covers bodily injury and property damage you cause to others. Maine requires 50/100/25, but high-risk drivers with assets should raise limits to 100/300/50 or higher—one serious accident can trigger lawsuits exceeding minimums.
Full Coverage
Combines liability, collision, and comprehensive coverage. Collision pays to repair or replace your vehicle after an at-fault crash; comprehensive covers theft, vandalism, weather, and animal strikes.
Uninsured/Underinsured Motorist Coverage
Pays your medical bills, lost wages, and vehicle damage when an uninsured or underinsured driver hits you. Approximately 11% of Maine drivers carry no insurance—UM/UIM ensures you're not left covering those costs yourself.
Collision Coverage
Pays to repair or replace your vehicle after an at-fault crash, minus your deductible. Required by lenders if you finance or lease; optional if you own your car outright.