Maine SR-22 Insurance: What it is and How Much it Costs

An SR-22 form proves your policy meets Maine’s minimum auto insurance requirement. You’ll need it if you have a high-risk driving violation on your record, like a DUI. Your carrier can file the form with the state at your request. The cost of SR-22 insurance in Maine is higher than a standard car insurance policy because of the violation, despite having similar coverages. State Farm offers the cheapest SR-22 insurance in Maine, costing $374 annually.


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Advertising & Editorial DisclosureLast Updated: 12/1/2022
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Which Maine Insurance Companies Offer the Cheapest SR-22 Insurance?

SR-22 insurance is needed by high-risk drivers — those convicted of a severe driving violation, like reckless driving or driving with a suspended license. Because of this, the cost of SR-22 insurance in Maine is more expensive than a standard policy.

A driver with a DUI on his record pays an annual average of $550 for SR-22 insurance in Maine. Drivers with clean records have cheap car insurance policies in Maine in comparison — they only spend an average of $339 annually.

MoneyGeek compared policies from different providers and found State Farm offering the cheapest SR-22 insurance in Maine at $374 per year on average.

Cheapest Companies for SR-22 Insurance in Maine

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The rates shown are for a policy meeting Maine’s minimum requirements or a full coverage policy with $100,000 coverage for bodily injuries per person, $300,000 for bodily injuries per accident and $100,000 for property damage.

More than just the premium price, the cost of SR-22 insurance in Maine includes filing fees and the loss of eligibility for good driver discounts. If you want to find the best rates, knowing the average cost of auto insurance in Maine provides a benchmark when comparing quotes from several carriers. Gathering rates from at least three providers is ideal.

If price isn't your number one priority when it comes to car insurance, we recommend checking out the top car insurance companies in Maine.

Key Takeaways

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The increase in rates varies depending on the severity of your infraction.

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SR-22 insurance in Maine is more expensive, not just because of the higher premium but also due to the loss of good driver discounts.

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You pay a one-time filing cost of around $25 for an SR-22 form.

What Is SR-22 Insurance in Maine? Who Needs It? How Do You Get It?

Drivers with repeated violations or convictions for major driving violations need SR-22 insurance. It guarantees the state that your car insurance policy meets the minimum requirements for liability coverage in Maine. Although the SR-22 is often referred to as insurance, it’s a form that provides proof of financial responsibility.

You can request your auto insurance company to file your SR-22 form to the state, resulting in a higher premium because of the violations on your record. Despite the higher rates, you can find cheaper SR-22 insurance after a DUI by comparing quotes from several car insurance companies.

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SR-22 insurance is for high-risk drivers to prove their policy meets the minimum liability insurance requirements in Maine. At the very least, your policy should have the following coverage:

  • $50,000 bodily injury liability per person
  • $100,000 bodily injury liability per accident
  • $25,000 property damage liability per accident
  • $50,000 uninsured/underinsured motorist coverage per person
  • $100,000 uninsured/underinsured motorist coverage per accident
  • $2,000 medical payments coverage

Read more with MoneyGeek's Maine car insurance resources or estimate rates with our Maine car insurance calculator.

Who Needs SR-22 Insurance in Maine? And for How Long Do They Need It?

Having violations on your driving record affects the amount of premium you pay each year. Although there’s a premium increase for your car insurance after minor violations (like a speeding ticket or at-fault accident), it won’t require SR-22 insurance in Maine.

Each state has a different list of violations that results in the requirement of SR-22 insurance, but committing the following almost assures that you’ll need your carrier to file an SR-22 form to the state:

  • Dangerous or reckless driving
  • Driving with a suspended or revoked license
  • Driving without auto insurance
  • Driving under the influence

How long you need to carry SR-22 insurance in Maine depends on the details of your conviction, but in most cases, the required length of time is three years.

How Do You Get SR-22 Insurance in Maine?

If you need SR-22 insurance in Maine, your car insurance company can file the form with the state upon your request. Committing severe infractions, such as a DUI or driving with a suspended license, categorizes you as a high-risk driver. Due to this, car insurance companies may choose to deny you coverage.

Non-Owner SR-22 Insurance in Maine

Your driver’s license can be suspended due to a major driving violation, such as driving under the influence. Each state has a different set of requirements to get it reinstated. Some expect you to complete a driver improvement course and pay the necessary fines. SR-22 insurance in Maine is needed for license reinstatement to prove financial responsibility, regardless of whether you own a car or not.

Paying a yearly premium for a standard car insurance policy when you don’t have your own vehicle may not be the best choice. A more affordable option is purchasing non-owner car insurance, which provides the required coverage. It’s the best alternative if you frequently rent cars or borrow them from friends or family.

Comparing quotes from several carriers, MoneyGeek found USAA having the cheapest average rates for non-owner SR-22 insurance in Maine at $192 per year. However, only military personnel and their families can purchase USAA policies. A more widely available policy comes from Progressive, which costs an average of $233 annually. Both of these carriers offer rates lower than the average cost of SR-22 insurance in Maine, which is $332 per year on average.

The Average Cost of Non-Owner SR-22 Car Insurance in Maine

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Non-owner car insurance rates in Maine were calculated based on policies for drivers with DUIs, with coverage limits of $100,000 for bodily injuries per accident, with a $50,000 limit for injuries per person and $50,000 for property damage.

FAQs About SR-22 Insurance in Maine

Drivers requiring SR-22 insurance often need clarification on what it is, how much it costs and how to get it. Here is pertinent information about securing SR-22 insurance in Maine.

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MoneyGeek analyzed auto insurance premiums from eight of the top insurance companies in Maine provided in partnership with Quadrant. Our analysis includes quotes from ZIP codes across Maine. We gathered quotes for policies that meet the state’s minimum coverage requirements and full coverage policies with $100,000 in bodily injury liability insurance per person, $300,000 in bodily injury liability insurance per accident and $100,000 in property damage liability per accident. Rates are for the same driver with both a clean record and a DUI.

About the Author

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Mark Fitzpatrick is a senior content manager with MoneyGeek specializing in insurance. Mark has years of experience analyzing the insurance market and creating original research and content. He graduated from Boston College with a Bachelor of Arts and Johns Hopkins University with a Master of Arts.