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Maine SR-22 & High-Risk Auto Insurance Guide

Maine requires SR-22 filing for DUI convictions, license suspensions, and serious traffic violations. The filing requirement typically lasts 3 years and costs $15–$35 to file, but high-risk premiums average $2,200–$4,500 annually depending on violation severity. Non-standard carriers including Progressive, The General, and National General write policies for high-risk drivers in Maine.

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Updated March 2026

State Requirements

Maine requires minimum liability coverage of 50/100/25: $50,000 per person for bodily injury, $100,000 per accident for bodily injury, and $25,000 for property damage. The state also mandates $50,000 per person and $100,000 per accident in uninsured motorist coverage and $2,000 in medical payments coverage. SR-22 filing is required following DUI convictions, license suspensions for multiple violations, at-fault accidents without insurance, and refusal to submit to chemical testing. High-risk drivers should verify SR-22 requirements directly with the Maine Bureau of Motor Vehicles, as reinstatement often depends on completing the filing period without lapses.

Cost Overview

High-risk auto insurance in Maine costs $2,200–$4,500 annually for liability-only coverage and $3,200–$6,000 for full coverage, depending on violation type and driving history. DUI convictions typically increase premiums by 80–150%, while at-fault accidents without insurance can double rates. Maine's required uninsured motorist coverage and medical payments minimums add to base premiums, but rates decrease significantly as violations age beyond 3–5 years.

Minimum Liability
Covers Maine's 50/100/25 liability minimum plus required uninsured motorist and medical payments coverage. Suitable for drivers with older vehicles and limited assets who need to meet SR-22 filing requirements at the lowest cost.
Standard Liability
Increases bodily injury limits to 100/300/50 and uninsured motorist coverage to match. Recommended for high-risk drivers with assets to protect or those seeking to demonstrate financial responsibility beyond minimums during SR-22 period.
Full Coverage
Adds comprehensive and collision with $500–$1,000 deductible to standard liability limits. Required for financed vehicles and advisable for high-risk drivers whose newer vehicle represents significant financial value.

What Affects Your Rate

  • Violation type: DUI convictions increase premiums 80–150%, while speeding tickets or at-fault accidents add 20–60%
  • Time since violation: Rates decrease 15–30% as DUI or major violations age beyond 3 years, with standard-tier eligibility possible after 5–7 years
  • SR-22 filing status: The filing itself costs $15–$35, but being classified as high-risk for requiring SR-22 adds 60–150% to base premiums
  • Coverage lapses: A lapse during SR-22 period can add 30–80% to premiums and restart the 3-year requirement
  • Credit-based insurance score: Maine allows insurers to use credit as a rating factor, which can add 25–50% for high-risk drivers with poor credit
  • Location: Portland and Bangor high-risk drivers pay 10–20% more than rural areas due to higher accident frequency and theft rates

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Find Your City in Maine

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Portland

urban
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Lewiston

suburban
Aerial view of autumn coastline with colorful fall foliage on rocky cliffs meeting calm gray water

Bangor

urban
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Auburn

suburban
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Augusta

urban

Frequently Asked Questions

Sources

  • Maine Bureau of Motor Vehicles - SR-22 Requirements and Reinstatement Procedures
  • Maine Revised Statutes Title 29-A - Motor Vehicle Laws
  • Maine Bureau of Insurance - Auto Insurance Consumer Guide
  • Insurance Research Council - Uninsured Motorists Study

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