Minimum Coverage Requirements in Maine
Maine requires minimum liability coverage of 50/100/25: $50,000 per person for bodily injury, $100,000 per accident, and $25,000 for property damage. The Maine Bureau of Motor Vehicles mandates SR-22 filing for drivers with DUI convictions, license suspensions for violations, or uninsured accidents. Maine operates on a point system where accumulating 12 points in 12 months triggers a suspension and typically requires SR-22 filing upon reinstatement. Most speeding tickets and moving violations add 3–5 points but do not require SR-22 unless they result in suspension.
How Much Does Car Insurance Cost in Maine?
High-risk auto insurance rates in Maine vary by violation type, age, location, and vehicle. Drivers with points from speeding tickets or at-fault accidents typically see rate increases of 20–60% over base rates, while DUI or suspension with SR-22 filing pushes premiums into the $200–$400/mo range. Rates begin to drop 3 years after the violation date as points fall off and carriers reassess risk.
What Affects Your Rate
- Violation type: DUI/OUI adds 80–120% to base rates; speeding 15+ mph over adds 25–50%; at-fault accidents add 30–60%
- Point accumulation: 6–11 points elevates you to high-risk tier; 12 points triggers suspension and SR-22 requirement
- Age and experience: drivers under 25 with violations pay 40–70% more than drivers over 25 with identical records
- Location: Portland and Bangor drivers pay 10–20% more than rural areas due to higher accident and theft rates
- SR-22 filing status: adds $15–$35 filing fee but signals to carriers you're in the highest-risk category, doubling or tripling base premiums
- Time since violation: rates drop 15–25% per year after the violation date, with steeper drops once points fall off at 3 years
Compare rates from carriers that work with drivers who have points
Standard carriers surcharge heavily after violations. These specialists price your specific record differently.
Get Your Free QuoteCoverage Types
Liability Insurance
Covers injuries and property damage you cause to others. Maine minimums are 50/100/25, but drivers with violations should consider 100/300/50 or higher to protect assets if they cause another accident.
Full Coverage
Bundles liability, collision, and comprehensive. Required by lenders and recommended for drivers with financed vehicles or who cannot afford to replace their car out-of-pocket after another violation.
SR-22 Insurance
SR-22 is a state-mandated certificate proving you carry continuous liability coverage. Required for 3 years after DUI, suspension, or uninsured accidents in Maine.
Non-Standard Auto Insurance
Specialized coverage for drivers with violations, points, DUI, or SR-22 requirements. Non-standard carriers accept profiles that standard carriers decline or price prohibitively.
Uninsured Motorist Coverage
Covers your medical bills and vehicle damage if you're hit by a driver with no insurance or insufficient limits. Optional in Maine but recommended for drivers who cannot afford another rate spike.
Collision Coverage
Pays to repair or replace your vehicle after an accident, regardless of fault. Required by lenders and critical for drivers with violations who cannot afford to replace their car if they're at fault again.
