Maine SR-22 Insurance & High-Risk Auto Coverage
Maine requires 50/100/25 liability coverage and is an at-fault state.
Find SR-22 Coverage NowMaine 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
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.
Liability Insurance
SR-22 Insurance
Uninsured Motorist Coverage
Medical Payments Coverage
Collision & Comprehensive
Cost Overview
$243–$306/mo
Typical monthly rate in Maine, drivers with an SR-22 after a DUI
Rate data: ValuePenguin and NerdWallet, 2026
See What Your SR-22 Should Really Cost
Find SR-22 Coverage NowIf 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 insurance in Maine?
Maine requires 3 years of continuous SR-22 filing from your reinstatement date or court order. If your coverage lapses at any point during those 3 years, your license is suspended immediately and the entire 3-year period restarts from your new reinstatement date. You must maintain SR-22 without any gaps to satisfy the requirement.
Which insurance companies offer SR-22 in Maine?
Progressive, The General, and regional non-standard carriers provide SR-22 filing in Maine, as most standard insurers decline high-risk profiles. Some drivers obtain coverage through Maine-licensed surplus lines carriers if they have multiple DUIs or suspended license convictions. You must confirm the carrier is authorized to file electronically with the Maine BMV before purchasing.
Coverage 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.