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. Drivers with DUI convictions, license suspensions for serious violations, or multiple at-fault accidents typically face SR-22 filing requirements administered by the Maine Bureau of Motor Vehicles. SR-22 filing confirms continuous coverage for a mandated period, and any lapse restarts the clock.
How Much Does Car Insurance Cost in Maine?
Maine high-risk insurance rates vary significantly based on violation type, age, location, and vehicle. DUI convictions typically raise premiums by 90–150%, while a suspension for unpaid tickets may add 40–70%. Coastal and southern Maine cities often see higher rates due to population density and accident frequency, while rural areas may have lower premiums offset by fewer carrier options.
What Affects Your Rate
- Violation type: DUI convictions raise rates 90–150%, while suspension for administrative reasons may add 40–70%
- Time since violation: Rates decline 10–20% annually after the first year with no new incidents
- Location: Portland and southern coastal areas see rates 15–25% higher than Aroostook County or rural inland regions
- Age and gender: Male drivers under 25 with SR-22 requirements pay 30–50% more than drivers over 30
- Carrier choice: Non-standard specialists often offer lower SR-22 rates than standard carriers writing high-risk policies as exceptions
- Vehicle type: Insuring a high-performance or luxury vehicle during SR-22 period can double collision and comprehensive premiums
Compare rates from carriers that work with drivers who have points
Standard carriers surcharge heavily after violations. These specialists price your specific record differently.
Get Your Free QuoteCoverage Types
SR-22 Insurance
Certificate filed by your insurer confirming continuous coverage to the Maine Bureau of Motor Vehicles. Required after DUI, suspension, or designation as a habitual offender.
Non-Standard Auto Insurance
Policies designed for drivers with DUI, suspensions, or multiple violations who cannot access standard carrier markets. Higher premiums but specialized underwriting and SR-22 filing support.
Liability Insurance
Covers injuries and property damage you cause to others. Maine minimums are 50/100/25, but many high-risk drivers benefit from 100/300/100 limits to reduce personal exposure if another accident occurs during SR-22 period.
Full Coverage
Liability plus collision and comprehensive. Mandatory if financing a vehicle and strongly recommended for drivers who cannot replace their car after a total loss, which is common in Maine winters.
Uninsured Motorist Coverage
Covers your injuries and vehicle damage if hit by an uninsured or underinsured driver. Maine requires insurers to offer it, and drivers must reject it in writing if declining.
Collision Coverage
Pays to repair or replace your vehicle after an at-fault accident or single-vehicle crash, minus your deductible. Required by lenders and recommended for vehicles worth more than $5,000.
