Maine SR-22 & High-Risk Auto Insurance
Maine requires 50/100/25 liability coverage and is an at-fault state.
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Maine at a Glance
50/100/25
Minimum liability limits, in thousands of dollars (per person / per accident / property)
At-fault
The at-fault driver's insurance pays for the damage they cause
Required
PIP and Uninsured motorist coverage must be on every policy
$50
State license reinstatement fee
Source: state DMV, insurance department and statute records, verified July 2026
State Requirements
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.
Liability Insurance
SR-22 Insurance
Uninsured Motorist Coverage
Medical Payments Coverage
Comprehensive and Collision Coverage
Cost Overview
$23/mo
Typical monthly rate in Maine, non-owner policies
Rate data: Insure.com, 2026
What Affects Your Rate
- Vehicle type: comprehensive and collision costs vary significantly, with winter-appropriate vehicles like Subarus and trucks costing more to insure in Maine
Stay Covered While You Drive Borrowed Cars
Find Coverage After ViolationsIf your license is suspended
Work-Restricted Drivers License
A restricted license is available while suspended.
Source: state DMV, insurance department and statute records, verified July 2026
Frequently Asked Questions
How long do I need SR-22 in Maine after a DUI?
Maine requires SR-22 filing for 3 years from your license reinstatement date after a DUI/OUI conviction. The clock does not start until your license is reinstated, and any lapse in coverage during those 3 years restarts the entire requirement period. You must maintain continuous coverage with a carrier authorized to file SR-22 in Maine throughout the full period.
Which insurance companies offer SR-22 in Maine?
Non-standard carriers including Dairyland, Bristol West, National General, and Progressive's non-standard division regularly file SR-22 certificates in Maine. Standard carriers like State Farm and Allstate rarely accept SR-22-required drivers. Working with an independent agent specializing in high-risk coverage provides access to multiple non-standard carriers to compare rates.
Does Maine require FR-44 instead of SR-22?
No, Maine uses SR-22 filing exclusively. FR-44 is only required in Florida and Virginia. If you hold a Maine license and receive a DUI or other qualifying violation, you will need SR-22 filing, not FR-44, to reinstate your driving privileges.
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.