Cheapest SR-22 Car Insurance in Maine (2024)

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.

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.

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.

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:

• GEICO: $409 per year
• Travelers: $431 per year

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.

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.

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.

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:

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.

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.

MoneyGeek answered the following frequently asked questions to guide you while searching for the best SR-22 insurance in Maine.