Maine’s cheapest providers for SR-22 insurance are Countryway Insurance and State Farm. Countryway Insurance’s annual minimum coverage policy is $264, while State Farm’s plan is $277 yearly. For non-owners car insurance, GEICO and Travelers are the most affordable insurers. GEICO offers an annual policy at $409 per year, while Travelers’ policy costs $431 yearly.
Maine may require an SR-22 following a severe driving violation like a DUI. Although an SR-22 form doesn't directly affect rates, violations necessitating an SR-22 can significantly increase premiums. That said, low-cost car insurance options are available to Maine drivers who research providers and compare rates.
Cheapest Companies for SR-22 Car Insurance in Maine


Cheapest Companies for SR-22 Car Insurance in Maine
The following companies offer the most affordable SR-22 auto insurance after a DUI in Maine with their minimum coverage policies:
- Countryway Insurance: $264 per year
- State Farm: $277 per year
For full coverage, the cheapest providers are:
- State Farm: $627 per year
- Progressive: $817 per year
It's common for insurance premiums to increase after a driving infraction. A history of driving offenses leads providers to view you as a risk to insure. However, comparing rates can help you find reasonably priced coverage.
The table below presents Maine’s most affordable SR-22 auto insurance providers and rates. These premiums range between $264 to $951 for minimum coverage policies.
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What Is SR-22 in Maine?
An SR-22 is a compulsory certificate of financial responsibility mandated for drivers involved in specific driving violations, such as DUIs or severe moving offenses. An SR-22 is not an insurance policy. Instead, it serves as a form that validates proof of insurance to the state. Your insurance provider will handle the SR-22 filing on your behalf and submit it to Maine’s DMV.
The timeframe for maintaining an SR-22 on file can differ between states. This filing period usually spans one to five years, depending on the offense’s severity.
As a result of filing an SR-22, insurance rates may increase due to insurers viewing the policyholder as a risky driver. Comparing quotes from different insurance providers will help you find the most affordable SR-22 coverage for your needs.
Upon fulfilling your responsibility with your SR-22, your insurer must file a Financial Responsibility Cancellation Form (SR-26) to notify Maine that your mandatory filing period has ended. This form permits you to return to standard insurance policies and potentially lower rates.
Cheapest Companies for Non-Owner SR-22 Car Insurance in Maine
Non-owner car insurance might be necessary if your car is totaled or when reinstating your driver's license. The following companies offer Maine’s cheapest average non-owner SR-22 auto insurance policies:
USAA offers a competitive option for military community members with yearly premiums of around $294 for non-owner SR-22 car insurance.
The table below showcases the most budget-friendly car insurance companies and rates for non-owner SR-22 car insurance in Maine. These annual premiums range between $409 and $1,331, demonstrating your potential savings when shopping for car insurance.
Non-owner car insurance provides liability protection for property damage or personal injury inflicted on others while driving a vehicle the policyholder does not own. This type of insurance is ideal for people who frequently rent or borrow cars, rideshare drivers, professional motorists and individuals required to file SR-22 forms even if they don't own a vehicle. MoneyGeek compiled a resource page explaining non-owner car insurance options in Maine to answer your questions.
Average Cost of SR-22 Car Insurance in Maine
Maine drivers with a DUI can anticipate an average yearly expense of $592 for minimum coverage and $1,228 for full coverage SR-22 auto insurance. SR-22 insurance might be necessary for other infractions, like speeding or causing an accident. Remember that a history of traffic violations may increase your insurance premiums, as violations indicate increased risk for the insurance provider.
You should routinely compare insurance rates from different providers at each renewal or annually to ensure you continue receiving the most affordable SR-22 insurance in Maine. Premiums update regularly, and providers will occasionally change policies, so the cheapest insurer for you this year may differ next year.
How SR-22 Affects Car Insurance Rates in Maine
Filing an SR-22 can significantly impact your car insurance rates, often leading to increased premiums. The average annual minimum coverage premium in Maine for a driver with a clean record is $354, while a driver with a DUI will pay an average of $592. Violations indicate a higher risk for the insurer, explaining the increase in premiums.
An SR-22 is required when a driver has committed severe traffic offenses like DUIs, reckless driving or driving without insurance. Circumstances necessitating an SR-22 may vary depending on your state and driving history.
Car Insurance Rate Comparison Based on Driving Records in Maine
Annual Premium for Minimum Coverage
$354Annual Premium for Minimum Coverage
$592This is 67% more expensive.
Other Effects of SR-22 on Car Insurance in Maine
Apart from increased premiums, filing an SR-22 affects your car insurance in Maine in various ways, including limited coverage options and potential policy cancellations. The consequences of an SR-22 can include the following:
Limited number of insurance options
High-risk drivers may face fewer choices for insurance carriers, as some providers might be reluctant to cover them. Fewer insurers to choose from can limit your options for affordable car rates. We recommend seeking providers who specialize in SR-22 insurance.
Possible policy cancellation
Your provider may cancel your insurance policy when you file for an SR-22, as some insurers may consider you too risky to maintain coverage. This interruption of coverage could result in further sanctions on your driving and make it difficult for you to reinstate your license.
Length of required filing
The required SR-22 filing period varies by state, typically from one to three years, and may extend up to five years based on the offense's severity and state regulations.
Filing fees
Submitting an SR-22 involves a one-time filing fee, which differs by state and can range between $15 to $50, contributing to the overall expense of acquiring and retaining high-risk insurance. You may also face fees for reinstating your license. It’s important to consult with your insurer and local DMV office to understand potential charges.
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How to Get SR-22 Insurance in Maine
To obtain car insurance coverage after a violation requiring an SR-22, you generally need to follow the following steps:
- Search for a suitable insurer. Identify an insurance provider offering coverage to drivers with violations on their driving records.
- Acquire the right policy. Secure an insurance policy that adheres to Maine's minimum liability requirements, ensuring you have the necessary protection while on the road.
- Arrange for SR-22 filing. Request your selected insurance company to file an SR-22 form for you, be prepared to handle any associated fees and ensure the form remains up-to-date throughout the mandated period.
By completing the above, you can maintain compliance with state regulations.
License reinstatement fees after an SR-22 typically vary between states, ranging from $75 to $150. These fees are subject to change, so it's always best to check with your local DMV for the most up-to-date information. Maine residents can use the online Driver's License Reinstatement Fees service to verify reinstatement fees.
How to Get Cheaper Car Insurance in Maine After a DUI
Insurance premiums usually increase following a DUI. However, you can take steps to minimize your overall costs. A better understanding of SR-22 insurance basics can help you reduce insurance expenses, even with a DUI on your record.
Compare quotes immediately
Compare insurance quotes from multiple providers to find the most competitive rates for your driving profile. Shopping for rates allows you to make informed decisions and secure the best insurance coverage in Maine after a DUI.
Complete DUI classes or programs
Enrolling in DUI classes shows dedication to improving your driving habits and reducing the likelihood of future offenses. The Driver Education and Evaluation Programs offered by the Maine Department of Health and Human Services provide relevant information about drinking and driving, helping drivers learn about the detrimental effects of alcohol and drugs on safe driving.
Look for discounts
Although a DUI conviction may disqualify you from certain safe-driver discounts, other discounts may still be available. Discuss your circumstances with insurance providers to find discounts you are eligible for.
Practice safe driving
Make a deliberate effort to avoid other negative marks on your driving record by practicing safe driving. Some practical ways to achieve this include reducing driving distances and using alternative transportation methods whenever possible.
Shop rates over time
Insurance premiums may vary because of market shifts or changes in your risk assessment. Regularly evaluating and comparing different insurance providers before renewing your policy is essential to maintain the most cost-effective coverage.
Non-standard auto insurance caters to drivers with offenses on their record who may face challenges securing coverage from standard insurers. This specialized product accommodates unique driving circumstances, allowing individuals to obtain insurance tailored to their needs.
Frequently Asked Questions About SR-22 Insurance in Maine
MoneyGeek answered the following frequently asked questions to guide you while searching for the best SR-22 insurance in Maine.
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sources
- Maine Bureau of Motor Vehicles. "Driver's License Reinstatement Fees." Accessed June 8, 2023.
- Maine Department of Health and Human Services. "Driver Education and Evaluation Programs." Accessed June 8, 2023.