Updated April 2026
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
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Sources
- Maine Bureau of Motor Vehicles - SR-22 Requirements and Reinstatement Guidelines
- Maine Revised Statutes Title 29-A - Motor Vehicle Laws and Financial Responsibility Requirements
- Maine Bureau of Insurance - Consumer Guide to Auto Insurance