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Maine SR-22 Insurance After Your Filing Ends

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

$50

State license reinstatement fee

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

Minimum Coverage Requirements in Maine

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.

Liability Insurance

Carriers view higher liability limits as a risk mitigation signal and may offer better overall pricing to drivers who select them.

Full Coverage

Full coverage combines liability, collision, and comprehensive insurance, and is required by lenders for financed or leased vehicles.

Uninsured Motorist Coverage

Carriers writing post-SR-22 policies may offer this coverage at lower incremental cost than standard market insurers.

Comprehensive Coverage

Comprehensive coverage pays for non-collision damage including theft, vandalism, animal strikes, and weather damage. Maine's harsh winters and high deer population create elevated comprehensive claim frequency — the state ranks in the top 15 nationally for animal collision claims.

SR-22 Insurance

SR-22 is not a coverage type but a certificate filed by your insurer proving you maintain continuous coverage meeting Maine's minimum requirements. Drivers who have completed their SR-22 period no longer need the filing, but the violation that triggered it continues affecting rates for 3–5 years — making it critical to shop carriers specializing in post-SR-22 drivers rather than assuming your current insurer offers the best rate.

What Drivers Pay in Maine

$175–$306/mo

Typical monthly rate in Maine, high-risk drivers after a DUI

Rate data: ValuePenguin and Insurify, 2026

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
  • Coverage level and deductible choices — higher deductibles reduce premiums but increase out-of-pocket exposure
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Shop Again Now That Your Filing Has Ended

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If 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

Coverage 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.

Find Your City in Maine

Portland

urban

Lewiston

suburban

Bangor

urban

Auburn

suburban

Augusta

urban