Minimum Coverage Requirements in Maine
Maine requires minimum liability coverage of 50/100/25: $50,000 bodily injury per person, $100,000 per accident, and $25,000 property damage. The Maine Bureau of Motor Vehicles typically requires SR-22 filing for DUI convictions, license suspensions for points accumulation, and at-fault accidents while uninsured. Drivers completing their SR-22 requirement remain in the high-risk rating tier for 3–5 years depending on violation severity, though rates begin declining immediately after the filing period ends.
How Much Does Car Insurance Cost in Maine?
Post-SR-22 insurance rates in Maine follow a predictable recovery curve but vary dramatically by carrier. Drivers immediately after SR-22 completion typically pay $185–$310/mo for liability coverage and $220–$380/mo for full coverage, declining to $145–$240/mo and $180–$295/mo respectively at the one-year mark. Carriers use different rating models for post-SR-22 drivers — some offer aggressive pricing immediately after filing ends, while others maintain surcharges for the full 3–5 year lookback period.
What Affects Your Rate
- Time since SR-22 completion — rates drop most significantly in the first 6–12 months after filing ends
- Violation type and severity — DUI surcharges persist longer than suspension for points accumulation
- Driving record during SR-22 period — additional violations restart the rating penalty clock
- Carrier specialization — some Maine insurers focus on post-SR-22 drivers and price 20–35% lower than standard market
- Coverage level and deductible choices — higher deductibles reduce premiums but increase out-of-pocket exposure
- Location within Maine — Portland and Bangor metro areas typically price 12–18% higher than rural counties
Your SR-22 period is ending — you can access standard rates again
Most drivers see significant savings when they transition off SR-22. Compare current rates now.
Get Your Free QuoteCoverage Types
Liability Insurance
Covers injury and property damage you cause to others. Maine requires 50/100/25 minimums, but post-SR-22 drivers should consider 100/300/100 limits for better financial protection and potentially improved carrier pricing.
Full Coverage
Combines liability, collision, and comprehensive coverage for complete protection. Required by lenders and recommended for vehicles worth over $4,000 or drivers who cannot afford to replace their car out-of-pocket.
Uninsured Motorist Coverage
Protects you if hit by a driver without insurance or a hit-and-run driver. Covers medical bills, lost wages, and vehicle damage up to your policy limits.
Comprehensive Coverage
Pays for non-collision damage including theft, vandalism, weather, and animal strikes. Typically required by lenders and priced separately from collision coverage.
SR-22 Insurance
SR-22 is a certificate proving you maintain continuous coverage meeting state minimums. Filed by your insurer with the Maine Bureau of Motor Vehicles and monitored for the required period, typically three years.
Non-Standard Auto Insurance
Specialized coverage for drivers who cannot obtain standard market insurance due to violations, claims, or SR-22 requirements. Typically priced higher but offers coverage when standard carriers decline.
