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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

Yes

A defensive driving course can reduce points on your record

Source: state DMV, insurance department and statute records, verified July 2026

Minimum Coverage Requirements in Maine

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.

Liability Insurance

Drivers with violations or points already face elevated premiums, and carrying only minimum limits increases financial exposure if you're at fault again. Violations that result in suspension require SR-22 filing, which attaches to your liability policy and certifies continuous coverage to the Bureau of Motor Vehicles for 3 years.

Full Coverage

Full coverage combines liability, collision, and comprehensive and is required by lenders if you finance or lease a vehicle. Even if your loan is paid off, full coverage protects your vehicle investment — especially important if another violation would leave you uninsurable in the standard market.

Uninsured Motorist Coverage

Uninsured motorist coverage is not required in Maine but protects you if you're hit by a driver with no insurance or insufficient limits.

SR-22 Insurance

SR-22 is not a separate insurance policy — it's a certificate your insurer files with the Maine Bureau of Motor Vehicles proving you carry at least minimum liability coverage.

Non-Standard Auto Insurance

Non-standard carriers specialize in insuring drivers with violations, points, suspensions, or SR-22 requirements who are declined or priced out by standard carriers. These carriers accept riskier profiles but typically require payment in full or monthly installments with fees, and some impose mileage or usage restrictions.

What Drivers Pay in Maine

$165–$205/mo

Typical monthly rate in Maine, drivers after a speeding ticket

Rate data: ValuePenguin and CarInsurance.com, 2026

What Affects Your Rate

  • Point accumulation: 6–11 points elevates you to high-risk tier; 12 points triggers suspension and SR-22 requirement
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Coverage 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.

Find Your City in Maine

Portland

urban

Lewiston

suburban

Bangor

urban

Auburn

suburban

Augusta

urban