Cheapest SR-22 Car Insurance in Maine

MMG Insurance offers Maine's lowest SR-22 insurance premiums at $622 for minimum coverage and $1,440 for full coverage. That minimum coverage price is $953 below the statewide average of $1,575, giving MMG Insurance a 60% cost advantage for high-risk drivers who need a filing.  

State Farm, the most expensive provider on our list, charges $987 for minimum coverage, still 37% below the state average but $365 more than MMG Insurance. Limited competition can affect access to affordable coverage for high-risk drivers needing SR-22 insurance.  

The table below shows the top five companies with the lowest SR-22 insurance rates in Maine.

* Rates represent a 40-year-old male driver with a DUI, good credit and a 2012 Toyota Camry LE.

Travelers most often emerges as the category winner in this dataset. The least-expensive category is Drivers With Other Violations, averaging $530 for minimum coverage SR-22 insurance with Travelers, while the most expensive is Drivers With Multiple Speeding Tickets, at $685 with Travelers. That range signals how repeat moving violations push pricing higher even within one carrier.

Your final premium will reflect the specific violation on your record and how insurers model that SR-22 risk.

New Vineyard posts the cheapest minimum coverage SR-22 at $569 (Travelers), while Lewiston is highest at $731 (Travelers). The $162 difference equals roughly 28% more at the top end, reflecting typical urban cost variations in the state.

Regional driving patterns, repair markets, and theft trends all contribute to Maine's city-level SR-22 price differences.

* Rates represent a 40-year-old male driver with a DUI, good credit and a 2012 Toyota Camry LE.

Travelers ranks as the best car insurance provider for SR-22 filing in Maine, offering an excellent balance of affordable rates, quality customer service and comprehensive coverage options, earning the highest MoneyGeek score. Consider Auto-Owners, Progressive, MMG Insurance and State Farm as strong alternatives in your search.

Maine ranks among the most affordable states for SR-22 car insurance, with average car insurance costs of $1,083 annually for minimum coverage and $2,142 per year for full coverage policies. Maine stands as the 7th most affordable for minimum coverage and 6th for full coverage nationwide. Monthly premiums can range from $42 to $733 based on individual driver profiles.

*Average rates shown represent a 40-year-old male driver with a DUI, good credit and a 2012 Toyota Camry LE.

Based on our analysis of Maine SR-22 insurance rates, New Vineyard offers the lowest average minimum coverage premiums at $84 monthly, while Lewiston has the highest at $98 per month. Below you can review costs for major cities in the state for both full and minimum required coverage policies.

* Rates shown are for a 40-year-old male driver with a DUI, good credit and a 2012 Toyota Camry LE.

To comply with Maine laws, you must carry these minimum liability limits:

• $50,000 personal injury liability per person
• $100,000 personal injury liability per accident
• $25,000 property damage liability per accident

In the state, SR-22 certificates are usually required for three years. It can be extended beyond this period, depending on the violation and if there is noncompliance with requirements or repeated offenses."

While filing an SR-22 meets Maine's basic insurance requirements, motorists must also comply with several other important driving and coverage regulations.

In Maine, drivers with severe violations must file an SR-22 to prove they have minimum coverage. This requirement lasts three to six years, depending on the offense. While an SR-22 costs more, cheap car insurance options are available for these drivers.

Below are frequently asked questions about SR-22 certifications in Maine:

MoneyGeek analyzed hundreds of thousands of quotes across Maine to determine the average cost of car insurance premiums for drivers with various profiles that would likely need an SR-22. All data was sourced from Quadrant Information Services and extrapolated by our team to give you personalized recommendations for your specific profile.

Maine SR-22 Driver Profile

We collected data for a sample driver with the following attributes and modified it to other common profiles for those needing an SR-22:

• 40-year-old male
• Driving record with a DUI
• 2012 Toyota Camry LE
• 12,000 miles driven annually
• Suspended license
• Single
• No claims history

Coverage Levels and Deductibles

We gathered quotes for minimum coverage policies to help drivers find the cheapest SR-22 insurance for their coverage needs. Quotes were based on Maine's minimum coverage requirements, with the following limits:

• $50,000 personal injury liability per person
• $100,000 personal injury liability per accident
• $25,000 property damage liability per accident

We based our analysis for full coverage quotes that include comprehensive and collision protection on these coverage amounts with a $1,000 deductible:

• $100,000 bodily injury liability per person
• $300,000 bodily injury liability per accident
• $100,000 property damage liability per accident

Our Best SR-22 Company Rating Methodology

We rated all companies based on the following rating scale:

• Affordability (60% of score): We analyze premium costs by gathering quotes across multiple driver profiles and comparing pricing against regional competitors. This substantial weight reflects the primary concern most consumers have when selecting insurance coverage.
• Customer experience (30% of score): Our customer service evaluation includes Google reviews, J.D. Power scores, AM Best financial ratings, and consumer feedback from Reddit discussions. We check these different sources to see how companies really perform for their customers.
• Coverage options (10% of score): We evaluate the breadth and depth of available coverage types, examining both the quantity of options and the distinctiveness of specialized benefits or unique features each provider offers.

Learn more about MoneyGeek's car insurance methodology.