Travelers provides the cheapest SR-22 insurance in Maine at $56 monthly for minimum coverage and $99 for full coverage, about 53% below the state average. Since these rates apply to 40-year-old drivers with a DUI, you might find better prices with MMG Insurance, Progressive, Auto-Owners or State Farm for your specific situation.
Cheapest SR-22 Car Insurance in Maine
Updated: September 3, 2025
Advertising & Editorial Disclosure
Key Takeaways
Travelers provides the most affordable SR-22 insurance in Maine, with rates averaging $77 per month or $927 per year for drivers needing this coverage.
On average, Maine car insurance costs with an SR-22 filing are $90 monthly for minimum coverage and $178 per month for full coverage.
Maine requires SR-22 insurance to cover $50,000 per person and $100,000 per accident for injuries, plus $25,000 for property damage if your license is suspended.
Cheapest SR-22 Car Insurance in Maine
| MMG Insurance | $52 | $120 | -48% |
| Travelers | $56 | $99 | -53% |
| Progressive | $56 | $116 | -48% |
| Auto Owners | $70 | $121 | -42% |
| State Farm | $82 | $155 | -28% |
* Rates represent a 40-year-old male driver with a DUI, good credit and a 2012 Toyota Camry LE.
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Cheapest SR-22 Car Insurance in Maine by Category
Travelers dominates Maine's SR-22 insurance market, ranking as the most affordable option across all seven categories studied. The company offers competitive rates for every type of high-risk driver, with monthly premiums ranging from $44 to $57 for minimum coverage.
| Most Drivers Needing a SR-22 | Travelers | $56 | $99 |
| Young Drivers With a Suspension | Travelers | $56 | $103 |
| Senior Drivers With a Suspension | Travelers | $52 | $91 |
| Drivers With Multiple Speeding Tickets | Travelers | $57 | $106 |
| Drivers With Racing Violation | Travelers | $55 | $97 |
| Drivers With Hit-And-Run Accident | Travelers | $55 | $98 |
| Drivers With Other Violations | Travelers | $44 | $76 |
* Rates for most drivers are represented by a 40-year-old male driver with a DUI, good credit and a 2012 Toyota Camry LE. All other profiles are modifications of these factors. Young drivers are represented by 25-year-olds, and seniors are represented by 65-year-olds; all other violations represent those with suspensions that are not due to driving violations.
Cheapest Personalized SR-22 Car Insurance in Maine
Our analysis shows general winners for common categories, but finding the most affordable provider depends on your unique situation. The table below compares the five cheapest insurers based on your age, gender, coverage needs, credit and driving history.
Data filtered by:Results filtered by:
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Age:25
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Gender:Female
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Coverage Level:100/300/100 Comp/Coll $1000 Deductible
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Credit Score:Below Fair
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Driving Record: 2 speeding tickets (11-15 MPH over limit)
| Travelers | $143 | $1,721 | -54% |
| Geico | $165 | $1,978 | -47% |
| Allstate | $222 | $2,670 | -28% |
| Progressive | $267 | $3,202 | -14% |
| State Farm | $444 | $5,322 | 43% |
Cheapest SR-22 Car Insurance in Maine by City
Travelers offers the cheapest SR-22 car insurance in Maine, with rates starting at $47 monthly in New Vineyard. You can review its rates for major cities in Maine below.
| Lewiston | Travelers | $61 |
| New Vineyard | Travelers | $47 |
| Peaks Island | Progressive | $55 |
| Wilton | Travelers | $49 |
* Rates represent a 40-year-old male driver with a DUI, good credit and a 2012 Toyota Camry LE.
Best Cheap SR-22 Car Insurance Companies in Maine
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.
| Travelers | 4.78 | 1 | 2 | 4 |
| Auto Owners | 4.75 | 4 | 1 | 5 |
| Progressive | 4.64 | 3 | 4 | 2 |
| MMG Insurance | 4.45 | 2 | 3 | 7 |
| State Farm | 4.24 | 5 | 6 | 6 |
Travelers
Best Overall for SR-22 Insurance in Maine
5/5Affordability
4.6/5Customer Experience
4.1/5Coverage Options
Average Monthly Full Coverage Cost
$99For 100/300/100 liability and $1,000 deductible comprehensive and collision coverage for drivers with an SR-22Average Monthly Minimum Coverage Cost
$56For minimum state coverage for drivers filing an SR-22Best For
Most Drivers Needing a SR-22
How Much Is SR-22 Car Insurance in Maine?
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.
| Minimum Coverage | $90 | $1,083 | -49% |
| Full Coverage | $178 | $2,142 | -46% |
*Average rates shown represent a 40-year-old male driver with a DUI, good credit and a 2012 Toyota Camry LE.
Average SR-22 Car Insurance Cost by Maine City
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.
Data filtered by:Results filtered by:
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Coverage Type:Minimum Coverage
| Lewiston | $98 | $1,182 |
| New Vineyard | $84 | $1,014 |
| Peaks Island | $93 | $1,113 |
| Wilton | $85 | $1,025 |
* Rates shown are for a 40-year-old male driver with a DUI, good credit and a 2012 Toyota Camry LE.
Maine SR-22 Insurance Requirements
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."
TYPES OF SR-22 FILINGS
Maine drivers can choose a more comprehensive option known as the SR-22 Operators-Owner Certificate. This joint filing combines traditional and non-owner policies, providing coverage whether you're driving your own vehicle or someone else's. This option is useful for drivers who regularly operate multiple vehicles.
Other Maine SR-22 Insurance Laws and Regulations
While filing an SR-22 meets Maine's basic insurance requirements, motorists must also comply with several other important driving and coverage regulations.
- First offense: three-year SR-22 requirement
- Second offense within five years: six-year requirement with one-year license suspension
- Third offense within five years: eight-year requirement with two-year license suspension
SR-22 Filing and Reinstatement Fees
The SR-22 filing fee ranges from $15 to $25 while license reinstatement fees range from $50 to $150, depending on the violation type. Maine offers payment plans for fees exceeding $125.
Coverage Lapses and Cancellations
If your SR-22 insurance lapses or is canceled, your insurance company must notify the Maine BMV immediately. This will result in your license being suspended again until you file a new SR-22 and meet reinstatement requirements.
SR-22 Requirement Duration
The requirement is for three years, but it can be up to six years if a more serious violation, including injuries, death or high levels of property damage, is committed. For all other noncompliance-related suspensions not from driving violations, the length of the requirement is the following:
SR-22 Filing Process
To file an SR-22 in Maine, contact an insurance company licensed to do business in Maine and buy a policy that satisfies Maine's minimum requirements. The insurance company then electronically files the SR-22 with the Maine BMV and processing takes an average of 72 hours.
WHAT TO DO IF PROVIDERS DENY YOU COVERAGE
Unlike many other states, Maine doesn't operate a specific high-risk auto insurance program, but Maine ensures coverage is available through other means. The Maine Bureau of Insurance helps drivers who have been denied coverage find insurers willing to provide policies. Residents can contact the Insurance Superintendent's office for assistance in securing coverage, as Maine law requires insurance companies to offer policies to qualified high-risk drivers.
Cheap SR-22 Insurance in Maine: Bottom Line
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.
SR-22 Insurance Maine: FAQ
Below are frequently asked questions about SR-22 certifications in Maine:
What are the cheapest SR-22 car insurance options in Maine?
MMG Insurance provides Maine's cheapest SR-22 car insurance at $52 per month for minimum coverage. Travelers and Progressive follow as the next most affordable options.
How much does filing an SR-22 increase car insurance rates in Maine?
Filing an SR-22 increases car insurance rates in Maine by 46% compared to drivers with clean records.
How long do you need to have an SR-22 in Maine?
Maine drivers must maintain SR-22 coverage for three years. Letting insurance coverage lapse during this period restarts the SR-22 requirement and could trigger additional penalties.
How We Decided the Best and Cheapest SR-22 Insurance 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.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.
