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.
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
Get non-owner SR-22 coverage without owning a vehicle
Compare carriers that offer non-owner policies with SR-22 filing — required for reinstatement in most states.
Get Your Free QuoteCoverage Types
SR-22 Insurance
Certificate filed by your insurer proving you carry Maine's minimum liability coverage. Required for DUI convictions, license suspensions, and at-fault accidents without insurance.
Non-Standard Auto Insurance
Policies written specifically for high-risk drivers who cannot qualify for standard-tier coverage. Carriers specialize in DUI, suspended license, and multiple violation profiles.
Liability Insurance
Covers bodily injury and property damage you cause to others. Maine's 50/100/25 minimum may be insufficient in serious accidents.
Uninsured Motorist Coverage
Protects you if hit by a driver without insurance or in a hit-and-run. Maine mandates 50/100 minimum matching your liability limits.
Full Coverage
Combines liability, comprehensive, and collision. Protects your vehicle in addition to covering damage you cause to others.
Non-Owner SR-22 Insurance
Liability-only policy for drivers who don't own a vehicle but need SR-22 filing to reinstate their license. Covers you when driving borrowed or rental vehicles.
