Updated April 2026
State Requirements
Maine mandates minimum liability coverage of $50,000 per person for bodily injury, $100,000 per accident for bodily injury, and $25,000 per accident for property damage. SR-22 filing is required for drivers convicted of DUI/OUI, operating after suspension, accumulating 12 or more points in 12 months, or failing to maintain required insurance coverage. High-risk drivers often need more than state minimums to protect against financial exposure, especially when SR-22 filing is already elevating premiums. Maine uses a point system where violations accumulate on your driving record, with points remaining for one year from the date of conviction.
Cost Overview
High-risk auto insurance premiums in Maine vary widely based on violation type, driving history, and carrier availability. Drivers with SR-22 requirements typically pay $2,400–$4,800 annually, while those with single violations or minor point accumulations may see increases of 20–60% over standard rates. Maine's limited non-standard carrier market means shopping multiple providers is critical to finding competitive pricing.
What Affects Your Rate
- SR-22 filing requirement and duration remaining
- Type of violation: DUI/OUI carries higher surcharges than point accumulation from speeding tickets
- Number of points currently on your Maine driving record
- Time since most recent violation or conviction
- Carrier availability: Maine has fewer non-standard insurers than neighboring New Hampshire or Massachusetts
- Vehicle type and value, especially for full coverage policies
Compare rates from carriers that work with drivers who have points
Standard carriers surcharge heavily after violations. These specialists price your specific record differently.
Get Your Free QuoteCoverage Types
Liability Insurance
Covers bodily injury and property damage you cause to others in an at-fault accident. Maine's minimum limits are often insufficient for drivers with SR-22 requirements, as insurers and courts scrutinize coverage levels more closely for high-risk profiles.
SR-22 Insurance
An electronic certificate filed by your insurer with Maine's Bureau of Motor Vehicles proving continuous coverage. Required for DUI, suspension, point accumulation over 12 in 12 months, and certain other violations.
Non-Standard Auto Insurance
Specialized coverage for drivers who cannot obtain standard policies due to violations, suspensions, or SR-22 requirements. Premiums are higher but coverage is often the only option until your record improves.
Uninsured Motorist Coverage
Protects you if you're hit by a driver without insurance or with insufficient coverage. Maine requires insurers to offer this coverage, though you can reject it in writing.
Full Coverage
Combines liability, comprehensive, and collision to cover damage to your own vehicle in addition to others. Required by lenders for financed or leased vehicles.
Collision Coverage
Pays for damage to your vehicle in an at-fault accident or single-vehicle crash. Not required by Maine but mandated by lenders for financed vehicles.
