Updated March 2026
State Requirements
Maine requires minimum liability coverage of 50/100/25: $50,000 bodily injury per person, $100,000 per accident, and $25,000 property damage. The state mandates SR-22 filing for DUI convictions, habitual traffic offender designations, driving without insurance, and certain license suspensions. Medical payments and uninsured motorist coverage are also required unless formally waived. These minimums rarely provide adequate protection for high-risk drivers facing potential lawsuits after an at-fault accident.
Cost Overview
High-risk auto insurance in Maine costs significantly more than standard rates, with DUI convictions adding $1,200–$2,800 annually to premiums. Violation type, time since incident, age, and location all affect final rates. Maine's rural character and harsh winters add comprehensive claim risk, but lower population density in many areas can slightly reduce collision costs compared to urban New England states.
What Affects Your Rate
- Violation type: DUI/OUI adds $1,200–$2,800 annually; reckless driving adds $600–$1,400; at-fault accidents add $400–$1,200
- Time since violation: rates drop 15–30% after 3 years, 40–60% after 5 years as incidents age off your record
- Location: Portland and Bangor average 20–35% higher premiums than rural Washington or Aroostook counties due to claim frequency
- SR-22 requirement: adds $15–$50 filing fee plus forces coverage with non-standard carriers charging 25–60% more than standard market
- Age and experience: drivers under 25 with violations pay 40–80% more than drivers over 30 with identical records
- Vehicle type: comprehensive and collision costs vary significantly, with winter-appropriate vehicles like Subarus and trucks costing more to insure in Maine
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Get Your Free QuoteCoverage Types
Liability Insurance
Covers injury and property damage you cause to others. Maine's 50/100/25 minimums are legally required but leave you personally liable for damages exceeding those limits after serious accidents.
SR-22 Insurance
Certificate proving you carry continuous liability coverage, filed by your insurer with the Maine BMV. Required for 3 years after DUI, habitual offender designation, or driving without insurance.
Uninsured Motorist Coverage
Protects you when hit by a driver with no insurance or insufficient coverage to pay for your injuries and damages. Maine requires this coverage at limits matching your liability unless you reject it in writing.
Comprehensive Coverage
Covers damage to your vehicle from theft, vandalism, weather, animals, and other non-collision events. Required by lenders if you finance or lease.
Collision Coverage
Pays to repair or replace your vehicle after an accident with another vehicle or object, regardless of fault. Lender-required for financed vehicles.
Non-Standard Auto Insurance
Coverage designed for drivers with DUIs, violations, lapses, or SR-22 requirements who cannot access standard market rates. Non-standard carriers specialize in high-risk profiles.
