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Maine SR-22 & High-Risk Auto Insurance

Maine requires SR-22 filing for DUI convictions, license suspensions, and uninsured accidents. The filing requirement typically lasts 3 years and costs $15–$50 to file, but high-risk premiums average $2,200–$4,500 annually depending on violation type and driving history.

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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 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.

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50/100/25
Liability Insurance
Maine's 50/100/25 minimums are mandatory and among the higher state requirements, but still insufficient if you cause a serious accident with injuries or multiple vehicles. High-risk drivers pay $1,800–$3,800 annually for state minimums depending on violation severity. Carrying only minimums leaves you personally liable for damages exceeding policy limits, which can result in wage garnishment and asset seizure in Maine.
Meets state minimums
SR-22 Insurance
SR-22 is not insurance but a certificate your carrier files with the Maine Bureau of Motor Vehicles proving you carry at least minimum liability coverage. Filing costs $15–$50 depending on carrier, and the requirement lasts 3 years from your reinstatement date. If your policy lapses or cancels during the SR-22 period, your insurer notifies the BMV immediately and your license is suspended again, restarting the 3-year clock.
Must match liability limits unless waived
Uninsured Motorist Coverage
Maine requires uninsured/underinsured motorist coverage matching your liability limits unless you reject it in writing. This coverage protects you when hit by a driver with no insurance or insufficient coverage to pay for your injuries. For high-risk drivers already paying elevated premiums, this adds $200–$600 annually but is essential protection given that approximately 4.5% of Maine drivers are uninsured.
$2,000 minimum unless waived
Medical Payments Coverage
Maine mandates $2,000 minimum medical payments coverage unless you waive it in writing, covering medical expenses for you and passengers regardless of fault. This requirement adds $50–$150 annually for high-risk drivers. Given Maine's lack of a no-fault system, medical payments coverage provides immediate expense reimbursement without waiting for liability determinations after an accident.
Not required by state
Comprehensive and Collision Coverage
Comprehensive and collision are not state-required but mandated by lenders if you finance or lease your vehicle. High-risk drivers in Maine pay $800–$2,200 annually for full coverage on newer vehicles, with higher deductibles ($500–$1,000) helping reduce premiums. These coverages repair or replace your vehicle after accidents, theft, or weather damage—critical protection in Maine's harsh winter conditions.
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 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
Minimum Coverage
$150–$315/mo
State-required 50/100/25 liability, mandatory medical payments, and uninsured motorist. Suitable only if you own your vehicle outright and can afford to replace it after an accident.
Standard Coverage
$185–$375/mo
State minimums plus comprehensive and collision with $500–$1,000 deductibles. Recommended for financed vehicles or if you cannot afford major out-of-pocket repair costs after winter weather damage or accidents.
Enhanced Coverage
$250–$450/mo
Higher liability limits (100/300/50 or greater), lower deductibles, and optional coverages like rental reimbursement and roadside assistance. Provides better lawsuit protection and out-of-pocket cost management for high-risk drivers with assets to protect.

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Coverage 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.

Find Your City in Maine

Portland, Maine cityscape and street view

Portland

urban
Rural countryside with green fields, autumn trees, and dirt road under overcast sky

Lewiston

suburban
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Bangor

urban
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Auburn

suburban
Misty lake with fog over calm water, framed by tree branches and foreground vegetation

Augusta

urban

Frequently Asked Questions

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