After SR-22 Insurance
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Maine SR-22 Insurance & High-Risk Auto Coverage

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

Minimum Coverage Requirements in Maine

The Maine Bureau of Motor Vehicles typically mandates SR-22 filing for DUI convictions, serious moving violations, at-fault accidents without insurance, and license suspensions related to driving offenses. High-risk drivers often need coverage above these minimums to satisfy reinstatement requirements and protect against future liability exposure. The SR-22 filing itself is a certificate proving continuous coverage — not a separate insurance policy.

Liability Insurance

Maine's 50/100/25 minimums are mandatory for all drivers and insufficient for most accident scenarios involving serious injury or newer vehicles. High-risk drivers with SR-22 requirements face license re-suspension if coverage lapses for even one day during the filing period. Many non-standard carriers in Maine require higher liability limits — often 100/300/50 — as a condition of writing SR-22 policies for drivers with DUI or multiple violations.

SR-22 Insurance

SR-22 is a certificate your insurer files electronically with the Maine Bureau of Motor Vehicles confirming you carry at least state minimum liability coverage. If you cancel your policy or switch carriers without filing a new SR-22 immediately, the Bureau receives an automatic lapse notice and will suspend your license again.

Uninsured Motorist Coverage

Maine law requires insurers to offer uninsured and underinsured motorist coverage at the same limits as your liability policy unless you decline in writing. For high-risk drivers rebuilding after a suspension, this coverage protects you if hit by a driver without insurance — a scenario that already caused financial harm once.

Full Coverage

Full coverage combines liability, comprehensive, and collision insurance to protect both your legal obligation and your vehicle's value. Lenders require it if you finance or lease, but high-risk drivers who own vehicles outright often drop it to lower premiums during SR-22 periods.

Comprehensive Coverage

Comprehensive covers non-collision damage: theft, vandalism, weather, animal strikes, and glass breakage.

What Drivers Pay in Maine

$175–$306/mo

Typical monthly rate in Maine, high-risk drivers after a DUI

Rate data: ValuePenguin and Insurify, 2026

What Affects Your Rate

  • SR-22 filing status: active requirement signals high risk; completion of 3-year period opens access to more competitive carriers
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Your SR-22 Is Over. Your Rate Should Drop Too

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If 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

Coverage Types

Liability Insurance

Pays for injuries and property damage you cause to others in an at-fault accident. Maine requires 50/100/25 minimums, but a serious accident can generate $200,000–$500,000 in claims, leaving you personally liable for the difference if you carry only minimums.

SR-22 Insurance

Certificate filed by your insurer with the Maine Bureau of Motor Vehicles proving you carry continuous liability coverage. Required after DUI, serious violations, or uninsured accidents, typically for 3 years. Any lapse triggers immediate license suspension.

Full Coverage

Combination of liability, comprehensive, and collision coverage. Protects both your legal responsibility and your vehicle's value. Required by lenders if you finance or lease, optional if you own your car outright.

Uninsured Motorist Coverage

Covers your medical bills and lost wages if you are hit by a driver without insurance or with inadequate limits. Maine requires insurers to offer it at the same limits as your liability policy; you must decline in writing to opt out.

Comprehensive Coverage

Covers damage to your vehicle from non-collision events: theft, vandalism, fire, weather, falling objects, and animal strikes. Pays actual cash value minus your deductible.

Non-Standard Auto Insurance

Coverage from insurers specializing in high-risk drivers: DUI, suspended license, SR-22 requirements, multiple violations, or lapses. These carriers accept risks that standard insurers decline but charge higher premiums and may require upfront payment or higher limits.

Find Your City in Maine

Portland

urban

Lewiston

suburban

Bangor

urban

Auburn

suburban

Augusta

urban