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. Drivers convicted of DUI, multiple moving violations, at-fault accidents without insurance, or license suspension for serious violations must file SR-22 proof of financial responsibility with the Maine Bureau of Motor Vehicles. The SR-22 requirement typically lasts 3 years from the date of reinstatement, and any lapse in coverage during this period restarts the clock.
Cost Overview
High-risk auto insurance in Maine costs significantly more than standard coverage due to elevated claim probability. Drivers with DUI convictions pay 80–150% more than clean-record drivers, while those with multiple at-fault accidents or SR-22 requirements see increases of 60–120%. Rates vary by carrier, with non-standard insurers offering the only coverage options for many high-risk profiles.
What Affects Your Rate
- Violation type: DUI convictions increase premiums 80–150%, while at-fault accidents raise rates 40–70%
- Time since incident: Rates decrease 15–25% annually as violations age beyond 3 years
- SR-22 filing status: The filing itself costs $15–$35, but the underlying violation raises policy premiums by 60–120%
- Coverage history: Drivers with recent lapses pay 20–40% more than those with continuous coverage despite violations
- Location: Portland and Bangor high-risk drivers pay 10–15% more than rural Maine due to higher accident frequency
- Vehicle type: Insuring a sedan or older SUV costs 15–25% less than sports cars or high-performance vehicles for high-risk profiles
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Get Your Free QuoteCoverage Types
Liability Insurance
Covers injuries and property damage you cause to others. Maine's 50/100/25 minimums are mandatory but insufficient if you cause a serious accident with prior violations already on your record.
SR-22 Filing
Certificate proving you carry Maine's required liability coverage, filed electronically by your insurer to the BMV. Required after DUI, multiple violations, or uninsured accidents.
Uninsured Motorist Coverage
Pays your medical bills and lost wages if you're hit by a driver with no insurance or insufficient coverage. Optional in Maine but critical if another uninsured driver causes a crash.
Non-Standard Auto Insurance
Coverage from insurers specializing in high-risk drivers who've been declined by standard carriers. Premiums are higher but provide the only option for drivers with multiple violations or SR-22 requirements.
Medical Payments Coverage
Covers your medical expenses after an accident regardless of who caused it. Pays immediately without requiring fault determination or liability claim.
Full Coverage (Collision & Comprehensive)
Collision repairs your vehicle after an accident; comprehensive covers theft, vandalism, weather, and animal strikes. Required if you're financing or leasing a vehicle.
