Cheapest SR-22 Car Insurance in Maine (2024)


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An SR-22 is a certificate demonstrating financial responsibility; it is not an actual insurance policy. Either you or your insurer file it in Maine after certain violations, such as DUI or driving without insurance. The SR-22 doesn’t affect your rates, but the infractions necessitating it can lead to higher premiums.

Countryway Insurance offers the most affordable SR-22 liability-only coverage at an average of $356 per year. State Farm follows closely, providing coverage at around $479 per year. For those who don't own a car but still require SR-22, GEICO provides the most budget-friendly non-owner car insurance at around $409 per year for state minimum coverage. Travelers also offers a competitive average annual rate of $431.

MoneyGeek Logo IconCheapestSR-22 InsuranceMaine
2024

Cheapest Companies for SR-22 Car Insurance in Maine

Why Trust MoneyGeek? Our team obtained data from the Maine Bureau of Insurance and Quadrant Information Services to determine the most affordable SR-22 insurance companies for various driver profiles.

7,684Quotes Analyzed
 
10Companies Compared
 
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Cheapest SR-22 Car Insurance in Maine

The cheapest companies for state minimum liability-only SR-22 car insurance in Maine are:

  • Countryway Insurance: $30 per month; $356 per year
  • State Farm: $40 per month; $479 per year

The least expensive providers for full coverage SR-22 insurance in Maine are:

  • Progressive: $73 per month; $880 per year
  • Travelers: $84 per month; $1,009 per year

After a moving violation, expect to pay more for car insurance due to being considered a high-risk driver. Still, you can find cheap SR-22 car insurance by shopping around. State minimum coverage is often the most affordable, while full coverage offers more protection at a higher cost. Finding the cheapest provider for your SR-22 insurance in the Pine Tree State can lead to significant savings, so it's worth comparing quotes from various insurers.

Data filtered by:Results filtered by:
Age Group:
Age Group:30-59
Coverage:
Coverage:State Minimum Liability Only
Driving Record:
Driving Record:DUI
Countryway Insurance$356$30
State Farm$479$40
Progressive$490$41
Travelers$518$43
Concord Group$564$47
Allstate$698$58
GEICO$951$79
Bristol West$984$82
Vermont Mutual$980$82
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Cheapest Non-Owner SR-22 Car Insurance in Maine

The companies with the cheapest non-owner SR-22 insurance are:

  • GEICO: $34 per month; $409 per year
  • Travelers: $36 per month; $431 per year

Non-owner car insurance can fulfill the state minimum coverage requirements for individuals who need to file an SR-22 but do not own a vehicle. This type of insurance is essential for those whose licenses have been suspended or revoked or who have committed serious traffic violations. Finding the most affordable insurance provider is crucial for non-owner drivers, as it ensures compliance with legal requirements without unnecessary financial strain.

GEICO$409$34
Travelers$431$36
Progressive$648$54
Bristol West$1,331$111
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WHAT IS NON-OWNER CAR INSURANCE?

Non-owner car insurance offers liability coverage for individuals who drive frequently but do not own a vehicle. It's ideal for those using rental cars or working as rideshare drivers in Maine. This insurance covers third-party bodily injury and property damage if you're at fault in an accident.

Non-owner vehicle insurance in Maine is generally more affordable than standard insurance. To ensure you get the best deal, compare quotes from multiple insurers.

What Is SR-22 in Maine?

An SR-22 is a form that proves you carry the state minimum coverage for car insurance. In Maine, you or your insurance company file it mainly after serious traffic violations like DUI, driving without insurance or repeat traffic offenses. You'll need to maintain an SR-22 for three years in Maine. If your SR-22 is canceled or lapses, your insurer must notify the state immediately to avoid penalties.

An SR-22 insurance certifies that you have the minimum car insurance requirements in Maine, which include:

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

If you don't own a car, you'll need SR-22 non-owner car insurance. Remember, an insurance policy card cannot replace an SR-22 form.

Who Needs an SR-22 in Maine?

Drivers in Maine may need to file an SR-22 through their insurance company after certain moving violations. This form proves you carry the state minimum coverage, which is necessary to keep your driver's license. If you have a DUI, have been caught driving without insurance or have other major traffic offenses, expect to maintain an SR-22 for three years. Remember, your insurer will notify the state if your policy gets canceled. The driving offenses that trigger this requirement are:

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    DUI Offenses

    Driving under the influence in Maine requires SR-22 insurance to prove minimum coverage for responsible driving.

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    Uninsured Driving Violations

    If you are pulled over and can’t provide proof of auto insurance in Maine, you will be required to file an SR-22 form.

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    Major Traffic Violations

    Serious traffic offenses in Maine, such as reckless driving, necessitate SR-22 insurance to maintain driving privileges.

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    License Reinstatement

    After a license suspension in Maine, SR-22 insurance is essential to reinstate driving rights and show you carry minimum coverage.

How an SR-22 Impacts Your Car Insurance in Maine

Filing an SR-22 in Maine can lead to higher insurance rates, fewer coverage options and extra fees. You might even be denied insurance or have your policy canceled mid-term. It's key to have continuous insurance coverage. If your insurance lapses, you may have to start your SR-22 requirement over, which usually lasts for three years in Maine.

These are the negative effects of SR-22 on your car insurance:

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    Limited number of insurance options

    High-risk drivers in Maine may find fewer insurance providers willing to offer coverage, potentially leading to higher premiums and limited choices.

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    Possible policy cancellation

    Upon filing an SR-22, Maine insurers may cancel your policy mid-term or decide not to renew it, requiring you to seek a new provider.

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    Long period of required filing

    Maine mandates that you maintain SR-22 coverage for three years from the date of your qualifying conviction, ensuring continuous minimum liability coverage.

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    Filing fees

    Filing an SR-22 in Maine involves a one-time fee, typically around $25, which adds to the financial impact of the filing.

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WHAT TO DO IF NO ONE WILL INSURANCE YOU

Nonstandard auto insurance is designed for high-risk drivers with violations on their records. While typically more expensive than standard policies, it offers a necessary solution for those who may not qualify for traditional coverage. Understanding the nuances of this insurance type can help drivers make informed decisions about their protection on the road.

Average Cost of SR-22 Car Insurance in Maine

Drivers with a DUI in Maine pay an average of $1,410 per year for full coverage car insurance. State minimum coverage costs about $669 annually. In comparison, drivers with a clean record pay $857 for full coverage and $412 for state minimum coverage. The severity of your offense directly impacts your premiums.

It’s not the SR-22 certificate that raises your rates but the violations associated with it. Repeat offenders or those with severe violations may face non-renewal or increased rates at renewal. In Maine, an SR-22 certificate is required for three years. During this period, you must maintain a minimum liability coverage of 50/100/25 plus $50,000 in uninsured motorist bodily injury per person, $100,000 in uninsured motorist bodily injury per accident and $2,000 in medical payments coverage.

Data filtered by:Results filtered by:
Age Group:
Age Group:30-59
Coverage:
Coverage:State Minimum Liability Only
Clean$412$34
Speeding Ticket$498$42
At-fault Accident$595$50
DUI$669$56

How to Get SR-22 Car Insurance in Maine

Filing an SR-22 in Maine is essential after certain violations, such as DUI or driving without minimum coverage. Noncompliance can lead to severe legal consequences, including license suspension. Ensure that for three years, you maintain the required 50/100/25 liability coverage, matching uninsured motorist bodily injury per person and per accident and $2,000 for medical payments coverage.

Here are the steps to secure an SR-22 in Maine:

  1. 1
    Determine if you need an SR-22

    If you've faced a DUI, were caught without insurance or committed other major traffic violations in Maine, you might be mandated by a municipal court to file an SR-22 certificate.

  2. 2
    Contact your insurance provider

    Get in touch with your insurance company to request an SR-22 filing. It is familiar with Maine's requirements and will prepare the necessary documentation.

  3. 3
    Review minimum coverage requirements

    Ensure your current policy meets Maine's minimum coverage of 50/100/25 to satisfy the SR-22 requirements. You are also required to carry $50,000 for uninsured motorist bodily injury per person, $100,000 for uninsured motorist bodily injury per accident and $2,000 for medical payments coverage

  4. 4
    Pay the SR-22 filing fee

    Your insurer may charge a fee for filing an SR-22. While the amount varies, expect to pay approximately $25.

  5. 5
    Confirm filing and monitor your insurance status

    After your insurer files the SR-22, verify with Maine's Bureau of Motor Vehicles (BMV) that it's been received and properly filed. Keep track of your insurance status to avoid lapses.

  6. 6
    Maintain your SR-22 for the required duration

    In Maine, you must maintain your SR-22 for three years. Ensure your insurance policy remains active and meets state minimums throughout this period.

If your SR-22 in Maine lapses, your driving privilege will be resuspended. You must maintain minimum coverage for three years. If canceled, you or your insurer need to file a new SR-22 to drive again. The cost for reinstating your license with a new SR-22 isn't specified on the Maine Bureau of Motor Vehicles website, but it costs around $25.

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FINANCIAL RESPONSIBILITY CANCELLATION FORM

Once you finish your SR-22 term of three years in Maine, your insurance provider will file a financial responsibility cancellation form. The form tells the state you've kept up with the required minimum coverage for the three-year term after certain driving offenses.

How to Save on Car Insurance in Maine After a Violation

A DUI on your record can raise your car insurance costs. For example, drivers in the 30 to 59 age group with a clean record pay an average annual premium of $412 for state minimum coverage, while the same person with a DUI pays around $669 per year. That's a monthly jump from $34 to $56.

Affordable options for car insurance after a DUI are available. Residents needing SR-22 documentation in Maine can find strategies to secure lower rates, keeping their insurance budget in check.

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    Complete DUI Classes or Programs

    Taking DUI classes can show insurers you're committed to safe driving and may lower your risk profile. Look for state-recommended programs to improve your driving record.

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    Look for Discounts

    Even after a DUI, you might still qualify for car insurance discounts for bundling, having safety features on your vehicle, paying in full or setting up electronic billing. Check with your insurer for any discounts that could apply to you.

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    Compare Car Insurance Quotes

    Insurance rates can vary after a DUI, so it's important to compare auto insurance quotes to find the most affordable state minimum coverage.

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    Increase Your Deductible

    Opting for a higher deductible, which only applies to full coverage policies with collision and comprehensive insurance, can reduce your premium. However, ensure you can afford the deductible in case of a claim. This strategy can lead to significant savings over time.

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    Drive a Less Expensive Car

    Driving a car that's cheaper to insure can result in lower premiums. Vehicles that are less expensive to repair or replace generally carry more affordable insurance rates.

Compare Auto Insurance Rates

Ensure you're getting the best rate for your auto insurance. Compare quotes from the top insurance companies.

FAQ: SR-22 Insurance in Maine

Finding affordable SR-22 insurance in Maine can be challenging. Here are answers to common questions about securing low-cost SR-22 car insurance in the Pine Tree State.

What are the cheapest SR-22 car insurance options in Maine?

How much does filing an SR-22 increase car insurance rates in Maine, on average?

How long do you need to have an SR-22 in Maine?

About Mark Fitzpatrick


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Mark Fitzpatrick is a Licensed Property and Casualty Insurance Producer and MoneyGeek's Head of Insurance. He has analyzed the insurance market for over five years, conducting original research and creating personalized content for every kind of buyer. He has been quoted in several insurance-related publications, including CNBC, NBC News and Mashable.

Fitzpatrick earned a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his knowledge of economics and insurance to bring transparency around financial topics and help others feel confident in their money moves.