Maine SR-22 Insurance After DUI or Suspension

Maine's 50/100/25 minimums are mandatory for all drivers and serve as the floor for SR-22 policies. High-risk drivers often face claims that exceed these limits — a serious injury accident can generate six-figure medical bills.

SR-22 is not insurance but a certificate your insurer files with the Maine Bureau of Motor Vehicles proving continuous coverage. SR-22 policies require the same minimum liability limits as standard policies, but most carriers writing SR-22 in Maine are non-standard insurers with higher base rates.

Full coverage combines liability, collision, and comprehensive insurance. Drivers financing a vehicle during an SR-22 period must carry full coverage to satisfy lender requirements, which often doubles monthly premiums compared to liability-only. Maine's winter weather and rural roads create elevated collision and comprehensive risk — a deer strike or ice-related accident can total a financed vehicle, leaving you liable for the loan balance without full coverage.

Maine requires insurers to offer uninsured/underinsured motorist coverage matching your liability limits unless you reject it in writing.

Non-standard carriers specialize in high-risk profiles including DUI, multiple violations, and SR-22 requirements. Standard insurers typically non-renew or decline drivers with recent DUI convictions, making non-standard carriers the only market option in Maine.