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
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
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.
