Points On License Insurance
Get a Quote
A curving paved coastal road leads toward a white lighthouse and adjacent buildings at sunset, with pink wild roses and green foliage in the foreground at right and calm water at left.

Maine SR-22 Insurance After DUI or Suspension

Maine requires 50/100/25 liability coverage and is an at-fault state.

Find Carriers That Accept Points

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

Yes

A defensive driving course can reduce points on your record

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

Minimum Coverage Requirements in Maine

SR-22 filing is typically required after DUI convictions, license suspensions for multiple violations, at-fault accidents without insurance, or accumulating 12 or more points within 12 months. The filing obligation typically lasts 3 years from the reinstatement date, and any lapse during that period restarts the clock.

Liability Insurance

High-risk drivers should consider 100/300/100 limits because a judgment beyond your coverage can lead to wage garnishment.

Uninsured Motorist Coverage

Maine requires uninsured/underinsured motorist (UM/UIM) coverage matching your liability limits unless you reject it in writing. For high-risk drivers already paying elevated premiums, UM/UIM is typically bundled into the base rate and adds minimal cost — rejecting it saves little but exposes you to uncollectible claims.

SR-22 Insurance

SR-22 is not a separate policy — it's a certificate your insurer files with the Maine Bureau of Motor Vehicles proving you carry at least state minimum coverage. Not all carriers offer SR-22 filing; standard insurers often non-renew SR-22 drivers, pushing them to non-standard carriers like Progressive, The General, or regional specialists.

Full Coverage

Full coverage combines liability, comprehensive, and collision and is required by lenders if you finance or lease your vehicle.

Non-Standard Auto Insurance

Non-standard carriers specialize in high-risk profiles: DUI, multiple violations, lapses, or SR-22 requirements. In Maine, non-standard options include Progressive, Dairyland, National General, and The General. Shop annually — non-standard carriers don't reward loyalty.

What Drivers Pay in Maine

$165–$205/mo

Typical monthly rate in Maine, drivers after a speeding ticket

Rate data: ValuePenguin and CarInsurance.com, 2026

What Affects Your Rate

  • Time since violation — most moving violations age off your insurance record after 3 years; DUI impact diminishes after 5 years but may persist up to 10
  • Carrier category — non-standard insurers like Dairyland or The General may be the only option immediately after DUI; standard carriers become available after 3 years clean
  • Credit-based insurance score — Maine allows credit as a rating factor; poor credit combined with violations can push rates into the top tier
A man in a dark suit and brown shoes stands beside an open rear car door on a paved waterfront lot at dusk, with a lit city skyline across the water behind him.

Stop Overpaying While Your Points Fade

Find Carriers That Accept Points

Coverage Types

Liability Insurance

Covers bodily injury and property damage you cause to others. Maine's 50/100/25 minimum is mandatory, but serious accidents can exceed these limits quickly.

SR-22 Insurance

An SR-22 is a certificate your insurer files with the state proving you carry continuous coverage. It's required after DUI, suspension, or serious violations in Maine.

Full Coverage

Bundles liability, comprehensive, and collision. Required by lenders and essential for drivers with financed vehicles or high-value cars.

Non-Standard Auto Insurance

Specialized coverage for drivers with DUI, multiple violations, lapses, or SR-22 requirements. Non-standard carriers accept profiles standard insurers decline.

Uninsured Motorist Coverage

Protects you if you're hit by a driver without insurance or with insufficient coverage. Maine mandates UM/UIM at 50/100 unless you reject it in writing.

Collision Coverage

Pays to repair or replace your vehicle after an accident, regardless of fault. Required by lenders; optional once your car is paid off.

Find Your City in Maine

Portland

urban

Lewiston

suburban

Bangor

urban

Auburn

suburban

Augusta

urban