MoneyGeek found State Farm to be the best option for both minimum and full coverage car insurance in Maine after a DUI conviction. State Farm also offers the cheapest minimum and full coverage policies for Maine drivers with a DUI on their driving record.
Best Companies for DUI Insurance in 2023




It is legal for companies to refuse to let you sign up for a policy if you have a DUI. If an insurer allows you to have coverage after a DUI, they’ll charge you higher rates since you’ll be considered a high-risk driver.
MoneyGeek’s data shows that you would have to pay as much as 162% more for a policy in Maine if you have a DUI on your record. In addition, you might face jail time, and you could face penalties like license suspension and mandatory ignition interlock.
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Cheapest Car Insurance Companies in Maine After a DUI
MoneyGeek’s research shows that State Farm and Progressive offer the cheapest car insurance across the U.S. to drivers with a DUI on their record. State Farm is also the most affordable option in Maine after a DUI conviction.
Cheapest Companies for Full Coverage in Maine After a DUI
MoneyGeek’s analysis shows that the following companies offer the most affordable full coverage policies in Maine after a DUI:
- State Farm: $661 per year
- Progressive: $841 per year
USAA also offers cheap full coverage car insurance with a DUI conviction at an average cost of $734 per year. However, it only offers policies to military members and their families.
Cheapest Car Insurance for Full Coverage After a DUI
Cheapest Companies for Minimum Coverage in Maine After a DUI
If you’re looking for a minimum coverage policy and you have a DUI on your record, MoneyGeek found that the following companies offer the most affordable coverage:
- State Farm: $374 per year
- Progressive: $493 per year
With an average cost of $392 per year, USAA also offers one of the most affordable policies. However, its policies are only limited to drivers with a military background.
Cheapest Car Insurance for Minimum Coverage After a DUI
While buying minimum coverage will help you save money on car insurance, it’s not the best option as it usually doesn’t offer sufficient coverage. Instead of opting for a minimum coverage policy, it’s best to estimate how much coverage you need and choose a policy accordingly.
Top Car Insurance Companies in Maine After a DUI
MoneyGeek rated the best insurance companies in Maine for drivers with a DUI conviction. The analysis was done based on their affordability, customer satisfaction, financial stability and other important factors. We found State Farm to be the best option for minimum coverage policies, but GEICO is an even better choice for full coverage.
Best Companies for Full Coverage in Maine After a DUI
MoneyGeek’s research shows that State Farm and Allstate offer the best full coverage car insurance in Maine for someone with a DUI on their record.

With State Farm, a full coverage policy with a clean record costs an average of $599 per year. After a DUI, it costs an average of $661 annually to buy the same policy. It shows that you would have to pay roughly 10% more for a policy with this company if you have a DUI on your record.
State Farm stands out from its competitors with its excellent customer satisfaction, financial stability and discounts. The company offers a student driver discount, good driver discount and more. It also provides rideshare insurance. However, it doesn’t offer coverages like new car replacement or better car replacement or unique coverages like Original Equipment Manufacturer (OEM) coverage.

With State Farm, a full coverage policy with a clean record costs an average of $599 per year. After a DUI, it costs an average of $661 annually to buy the same policy. It shows that you would have to pay roughly 10% more for a policy with this company if you have a DUI on your record.
State Farm stands out from its competitors with its excellent customer satisfaction, financial stability and discounts. The company offers a student driver discount, good driver discount and more. It also provides rideshare insurance. However, it doesn’t offer coverages like new car replacement or better car replacement or unique coverages like Original Equipment Manufacturer (OEM) coverage.

Allstate’s full coverage policy for drivers without a DUI costs an average of $703 per year. If you have a DUI on your record, you would have to pay $920 per year for the same policy, which roughly equates to a 31% increase in the policy cost after a DUI conviction.
Allstate ranks pretty well for customer complaint response and satisfaction. The company provides cheap policies to young drivers and offers custom parts and sound system coverage. However, its policies do not include common discounts like defensive driving and multiple car discounts.

Allstate’s full coverage policy for drivers without a DUI costs an average of $703 per year. If you have a DUI on your record, you would have to pay $920 per year for the same policy, which roughly equates to a 31% increase in the policy cost after a DUI conviction.
Allstate ranks pretty well for customer complaint response and satisfaction. The company provides cheap policies to young drivers and offers custom parts and sound system coverage. However, its policies do not include common discounts like defensive driving and multiple car discounts.
Best Companies for Minimum Coverage in Maine After a DUI
While buying minimum coverage is usually the cheapest option, it might not fully protect you against the cost of damages in case of an accident. MoneyGeek’s research shows that State Farm and Allstate are the best companies in Maine for minimum coverage car insurance after a DUI.

State Farm’s minimum coverage policy for drivers with a DUI costs an average of $374 per year, while it costs $337 per year if you want to buy the same policy with a clean record. Our data shows that the company charges approximately 11% more for a policy to drivers with a DUI on their record.
State Farm received excellent MoneyGeek scores for customer complaints response, financial stability and discounts. It’s one of the best companies offering car insurance as it provides discounts for being a student, a good driver and more. The company also offers rideshare insurance. However, it doesn’t offer any unique coverages.

With Allstate, you would have to pay $455 per year for a minimum coverage policy if you don’t have a DUI on your record. If you have a DUI conviction, your policy would cost an average of $566 per year. It shows that the cost of a policy increases by approximately 24% after a DUI.
Allstate has one of the cheapest policies for teen drivers and offers many different coverages like custom parts and sound system coverage. It also ranks well in terms of customer satisfaction and complaints. However, the company doesn’t offer discounts for insuring multiple cars or defensive driving.

State Farm’s minimum coverage policy for drivers with a DUI costs an average of $374 per year, while it costs $337 per year if you want to buy the same policy with a clean record. Our data shows that the company charges approximately 11% more for a policy to drivers with a DUI on their record.
State Farm received excellent MoneyGeek scores for customer complaints response, financial stability and discounts. It’s one of the best companies offering car insurance as it provides discounts for being a student, a good driver and more. The company also offers rideshare insurance. However, it doesn’t offer any unique coverages.

With Allstate, you would have to pay $455 per year for a minimum coverage policy if you don’t have a DUI on your record. If you have a DUI conviction, your policy would cost an average of $566 per year. It shows that the cost of a policy increases by approximately 24% after a DUI.
Allstate has one of the cheapest policies for teen drivers and offers many different coverages like custom parts and sound system coverage. It also ranks well in terms of customer satisfaction and complaints. However, the company doesn’t offer discounts for insuring multiple cars or defensive driving.
How Much Does Car Insurance Cost in Maine After a DUI?
In Maine, there’s a 66% increase in the average cost of a full coverage policy for drivers with a DUI on their record. A full coverage policy would therefore cost about $956 per year after a DUI conviction. Without a clean record, the same policy would only cost an average of $577 per year. You can use the list below to see how the cost of full coverage policy changes with a DUI.
How long does a DUI affect the cost of your car insurance?
Full Coverage
$577Full Coverage
$956This is 66% more expensive.
Insurers will consider you a high-risk driver and charge you higher rates if you have a DUI on your record. MoneyGeek’s auto insurance calculator can help you get a personalized estimate for car insurance based on your profile and background.
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In addition to increased car insurance premiums, license suspension and possible jail time, these are the other financial implications of having a DUI:
- Fines, court and attorney fees: You’ll need to pay various fines and cover court costs after getting a DUI. You may also need an attorney to help you post bail or fight unfair charges.
- Towing/impound fee: If you’re not physically able to drive or you face arrest, the police will have your car towed, and you will have to cover the costs.
- Drug education and treatment: After a DUI conviction, the law may require you to undergo a drug education program.
- DMV reinstatement fee: In case of license suspension, you’ll need to pay a fee to reinstate it.
Getting Car Insurance in Maine After a DUI
Some insurers may refuse to insure you after a DUI conviction. Since insurance companies are private businesses, they are legally allowed to do so. The look-back period of your state might also stop you from getting car insurance. In Maine, this period lasts for 10 years.
If a company lets you have coverage after a DUI, they’ll charge you higher rates. If you want affordable rates, it’s best to shop around and compare quotes from different companies.
In Maine, it’s necessary to file an SR-22 form after getting a DUI. This form proves that your car insurance policy meets the state’s minimum coverage requirements. Your insurer usually files an SR-22 with your state on your behalf.
Maine DUI Laws
In Maine, you would face severe legal repercussions if you’re caught driving under the influence of alcohol or any other substance. Some of the consequences include jail time, license suspension, ignition interlock devices, fines, etc. MoneyGeek explains Maine’s DUI laws below.
Driving with a BAC at or above 0.08 is considered a DUI
Blood alcohol concentration (BAC) refers to the percentage of alcohol in your bloodstream. In Maine, it’s illegal to drive with a BAC greater than 0.08%. Even if you don’t cross that threshold, the police can still arrest you if they think you won’t be able to drive safely.
Driving with a BAC at or above 0.15 will result in increased penalties
Drivers in Maine who are found driving with a BAC above 0.15% would face mandatory jail time for at least 48 hours.
150-day administrative license suspension on first offense
Your license and driving privileges can be taken away for 150 days if you fail an alcohol test in Maine.
Ignition interlocks are highly incentivized for all convictions
In Maine, installing an ignition interlock can be helpful in reinstating your license if it gets suspended for an extended period.
Open container laws
Maine’s alcohol law prohibits drivers from carrying and consuming alcohol in open containers while driving.
Repeat offender laws
If you repeatedly violate Maine’s motor vehicle laws, your license can be suspended for an indefinite period, with a minimum of three years.
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Frequently Asked Questions
MoneyGeek answered the following frequently asked questions to help you understand how car insurance in Maine works after a DUI conviction.
Methodology
To determine the top companies for individuals with DUIs in Maine, MoneyGeek analyzed each company’s financial stability, customer satisfaction, claims and affordability based on data and information obtained from state insurance departments and Quadrant Information Services. The rates above are based on a 40-year-old male with and without a DUI driving a 2010 Toyota Camry LE with 12,000 annual mileage.
sources
- Bureau of Highway Safety. "Maine's OUI Laws Explained." Accessed April 24, 2022.
- IIHS. "Alcohol and Drugs." Accessed April 24, 2022.
- NCSL. "Increased Penalties for High Blood Alcohol Content." Accessed April 24, 2022.