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. The state also mandates $50,000/$100,000 uninsured/underinsured motorist coverage. 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.
How Much Does Car Insurance Cost in Maine?
High-risk premiums in Maine vary widely based on violation type, point total, and driving history. A first DUI can double or triple your rate, pushing monthly premiums from $80–$120 for a clean record to $200–$400 with an SR-22 requirement. Rates decrease as violations age off your record — most moving violations affect rates for 3 years, while DUI surcharges persist for up to 10 years depending on the carrier.
What Affects Your Rate
- Violation type — DUI convictions carry the highest surcharge, often 150–300% over base rate for 5–10 years
- Point total — drivers with 6–11 points see 40–80% rate increases; 12+ points trigger suspension and SR-22 requirement
- 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
- Location within Maine — Portland, Lewiston, and Bangor have higher collision and theft rates, increasing comprehensive and collision premiums by 15–30% over rural areas
- Credit-based insurance score — Maine allows credit as a rating factor; poor credit combined with violations can push rates into the top tier
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Sources
- Maine Bureau of Motor Vehicles — Driver's License Point System and SR-22 Requirements
- Maine Revised Statutes Title 29-A: Motor Vehicles and Traffic — Financial Responsibility Laws
- Maine Bureau of Insurance — Consumer Guide to Auto Insurance Coverage