Updated March 2026
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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Coverage Options
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Frequently Asked Questions
Sources
- Maine Bureau of Motor Vehicles — Financial Responsibility and SR-22 Requirements
- Maine Revised Statutes Title 29-A — Motor Vehicle Laws
- Maine Bureau of Insurance — Consumer Insurance Information