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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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Non-Standard Auto · SR-22 · Senior · Teen Drivers

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Updated May 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.

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50/100/25
Liability Insurance
Maine's 50/100/25 minimum is higher than many states but still leaves significant exposure in serious accidents. A single hospitalization can exceed $50,000, leaving you personally liable for the difference. High-risk drivers facing SR-22 requirements should consider increasing bodily injury limits to 100/300 or higher, as a subsequent at-fault accident during the filing period can result in license revocation and extended SR-22 duration.
Proof of financial responsibility
SR-22 Insurance
SR-22 is not a type of insurance but a certificate your insurer files with the Maine BMV proving you carry at least minimum liability coverage. The filing itself costs $15–$35, but the underlying policy premium increases substantially—typically 60–150% above standard rates depending on the violation. Not all carriers offer SR-22 filing in Maine; non-standard insurers like Progressive, The General, and Bristol West are more likely to write policies for drivers with recent DUI or suspension history.
50/100 minimum
Uninsured Motorist Coverage
Maine requires uninsured motorist coverage matching your liability limits, with a minimum of 50/100. This coverage protects you if you're hit by a driver without insurance or who flees the scene. For high-risk drivers already facing elevated premiums, this requirement adds $150–$400 annually but is critical in a state where approximately 4.5% of drivers are uninsured—your own coverage gap could trigger additional SR-22 requirements if you're involved in an accident.
$2,000 minimum
Medical Payments Coverage
Maine mandates $2,000 in medical payments coverage, which covers medical expenses for you and your passengers regardless of fault. While this minimum is relatively low, it can offset immediate costs after an accident. High-risk drivers should consider increasing MedPay limits to $5,000–$10,000, as a subsequent accident claim during an SR-22 period can complicate rate recovery and extend the timeline to standard-tier eligibility.
Liability + comprehensive + collision
Full Coverage
Full coverage combines liability, comprehensive, and collision insurance. While not legally required for vehicles you own outright, lenders mandate it for financed or leased vehicles. High-risk drivers in Maine pay $3,200–$6,000 annually for full coverage depending on violation type and vehicle value—collision and comprehensive add $800–$2,000 to liability-only premiums but protect your asset and avoid the financial spiral of replacing a totaled vehicle while still managing SR-22 requirements.
State-Mandated Minimum Coverage · Maine

Maine Minimum Coverage

CoverageMinimum
Bodily Injury (per person)$50,000
Bodily Injury (per accident)$100,000
Property Damage$25,000

License Reinstatement Fee$50

Meeting the state minimum keeps you legal. See whether it's enough — get your Maine quote.

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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
Minimum Liability
$185–$375/mo
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
$225–$450/mo
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
$265–$500/mo
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.

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Coverage 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.

Find Your City in Maine

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Portland

urban
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Lewiston

suburban
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Bangor

urban
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Auburn

suburban
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Augusta

urban

Frequently Asked Questions

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