Is it illegal to drive without insurance in Maine?

In Maine, hitting the road without auto insurance is more than just a risky maneuver—it’s illegal. If you’re caught driving without the required coverage, the consequences can be severe, ranging from fines to suspension of your license. That’s where SR22 insurance in Maine comes into play, especially for those who’ve had a few bumps in their driving record. It’s not just about staying on the right side of the law; it’s about ensuring you and your fellow drivers are protected.

When it comes to finding the right SR22 insurance in Maine, our brokerage works with top carriers to offer you the best rates and coverage options. Remember, SR22 isn’t your standard insurance policy—it’s a certificate your insurer files to prove you’re carrying the state’s minimum liability coverage.

Estimated Annual SR22 Insurance Premiums in Maine

Insurance Carrier	Standard Premium	SR22 Premium
Progressive	$1,200	$1,450
Dairyland	$1,100	$1,350
National General	$1,250	$1,500

Note: The above rates are estimates and can vary based on individual circumstances.

• Always carry proof of insurance in your vehicle.
• Understand that SR22 insurance typically lasts for three years.
• Regularly review your policy to ensure it meets Maine’s insurance requirements.

Choosing the right partner for your SR22 insurance can make all the difference. With our expertise and connections with leading insurers like Progressive, Dairyland, and National General, we’re here to guide you through the process smoothly and affordably.

Cost for SR-22 Insurance (Full Coverage) in Maine

City	Price
Orono	$176
Raymond	$174
North Berwick	$182
Belfast	$173
Freeport	$182
Farmington	$147
Poland	$169
Berwick	$147
Bucksport	$161
Lebanon	$156
Kittery	$169
Winslow	$181
Winthrop	$146
Waterboro	$152
Norway	$171
Paris	$168
Waldoboro	$165
Cumberland	$175
Auburn	$150
Bridgton	$152
Harpswell	$164
Cape Elizabeth	$176
Westbrook	$157
Brewer	$166
South Berwick	$175
York	$159
Buxton	$165
Brunswick	$147
Standish	$168
Rumford	$180
Ellsworth	$172
Wells	$182
Saco	$161
South Portland	$159
Hampden	$154
Old Town	$154
Madison	$165
Yarmouth	$158
Gray	$159
Eliot	$168
Sanford	$169
Portland	$170
Augusta	$173
Old Orchard Beach	$161
Topsham	$161
Gardiner	$176
Skowhegan	$150
Lisbon	$168
Lincoln town	$158
Rockland	$152
Windham	$155
Biddeford	$149
Kennebunk	$174
Fairfield	$177
Hermon	$148
Sabattus	$153
Houlton	$162
Hollis	$175
Lewiston	$166
Presque Isle	$176
Warren	$182
Scarborough	$147
Bar Harbor	$163
Camden	$161
Waterville	$164
Jay	$180
Glenburn	$164
Turner	$171
Falmouth	$163
Bangor	$160
Caribou	$148
New Gloucester	$155
Gorham	$150
Bath	$169

Laws Pertaining to SR-22 Insurance in Maine

High-risk drivers convicted of a DUI, failure to provide proof of insurance in an accident, or another violation will be required to carry an SR-22 for at least a year in the state of Maine.

1. Requirement: If you’ve been convicted of certain driving offenses, the Maine Bureau of Motor Vehicles (BMV) may require you to file an SR-22 form as proof of insurance.
2. Duration: The duration for which you’re required to maintain SR-22 insurance in Maine typically depends on the nature of the offense. It could range from three to five years.
3. Filing Process: To obtain SR-22 insurance, you’ll need to contact your insurance provider. They will file the SR-22 form on your behalf with the Maine BMV. Not all insurance companies offer SR-22 filings, so you may need to shop around for one that does if your current provider does not.
4. Cost: SR-22 insurance usually results in higher premiums due to the increased risk associated with your driving record. The exact cost will depend on various factors such as your driving history, age, and the insurance company you choose.
5. Consequences of Lapse: It’s crucial to maintain continuous SR-22 coverage for the entire duration required by the BMV. If your coverage lapses for any reason (such as non-payment), your insurance company is obligated to notify the BMV, which could result in the suspension of your driving privileges.
6. Non-Owner SR-22: If you don’t own a vehicle but still need SR-22 insurance (for example, if you frequently drive someone else’s car), you can obtain non-owner SR-22 insurance.

Reasons you may be required to carry an SR-22 in Maine

Some reasons why you might be required to carry an SR22 filing are listed below for your review.

DWI (Driving while intoxicated)

Failure to maintain the mandatory insurance coverage required by state law

Excessive points violations

Driving while Suspended/revocation

Multiple Traffic Offenses

Suspension of license due to child support

Previous incarceration

Too many tickets in a short period of time

License suspension for failure to pay fines

SR-22 Insurance rates by company (liability) in Maine

Company	SR22 Liability (Average)
Acceptance RTR	$105.00
GAINSCO	$113.00
Safeco	N/A
Bristol West	$89.00
Liberty Mutual	$113.00
Dairyland	$82.00
The General	$116.00
Geico	$102.00
AssuranceAmerica	$121.00
21st Century	N/A
Progressive Insurance	$71.00
Nationwide	N/A
American Family	N/A
Allstate	N/A
Travelers	N/A

You must carry liability insurance to acquire an SR22 filing. An SR22 filing is not considered insurance by itself.

DUI and SR-22 Insurance in Maine

Drivers who have been convicted of a DUI are considered high risk, and will be required to carry an SR-22 per the state of Maine to prove they are carrying at least the minimum insurance requirements. Drivers must maintain the SR-22 filing for at least 1 year.

Which companies offer SR22 insurance Maine

Company	SR22 Offered
Bristol West	yes
Geico	yes
Mendota Ins. Company	yes
Dairyland	yes
Nationwide	no
21st Century	no
AssuranceAmerica	yes
GAINSCO	yes
Farmers	yes
Acceptance RTR	yes
Allstate	unsure
American Family	no
Progressive Insurance	Yes
USAA	no
State Auto	no
Travelers	no
National General	yes
State Farm	unsure
Safeco	no

If your insurance company does not offer SR22 insurance, you can obtain another policy with this filing with another company.

Who has the lowest price on SR22 insurance (by city) in Maine

Most companies are relatively affordable for SR22 Insurance. Dairyland insurance typically comes in the cheapest because they do charge extra for this filing.

City	Price
Gray	Liberty Mutual
Bath	Progressive
York	Geico
Bar Harbor	Farmers
Windham	Progressive
South Portland	Progressive
Gardiner	Progressive
Brunswick	Progressive
Norway	Progressive
Paris	Farmers
Augusta	The General
Ellsworth	The General
Bridgton	The General
Sanford	Geico
South Berwick	Progressive
Camden	Progressive
Bangor	Progressive
Bucksport	Liberty Mutual
Eliot	Liberty Mutual
Berwick	National General
Rockland	The General
Waldoboro	Progressive
Kittery	The General
Old Town	The General
Presque Isle	Progressive
Brewer	Progressive
Houlton	Liberty Mutual
Fairfield	Liberty Mutual
Freeport	Liberty Mutual
Saco	Progressive
Lewiston	Liberty Mutual
Wells	Geico
Orono	Geico
Farmington	The General
Biddeford	Progressive
Waterboro	National General
Poland	Progressive
Lebanon	Geico
Waterville	Progressive
Buxton	Progressive
Yarmouth	Progressive
Turner	Geico
Skowhegan	Bristol West
Belfast	The General
Harpswell	The General
Lincoln town	Progressive
Kennebunk	Progressive
Westbrook	Progressive
New Gloucester	Liberty Mutual
Hermon	The General
Madison	Bristol West
Auburn	Progressive
Rumford	Geico

Company fees for SR22 Insurance Maine

Carriers	Fees
AssuranceAmerica	NA
Allstate	Unknown
Dairyland	Free
National General	NA
Farmers	NA
Nationwide	na
State Auto	na
The General	$25.00
Liberty Mutual	$15-$25
State Farm	Unknown
Acceptance RTR	NA
American Family	na
USAA	na
Travelers	na
21st Century	na
Mendota Ins. Company	NA
GAINSCO	NA

State Insurance Requirements in Maine

The minimum insurance requirements in Maine are $50,000 per person for BI, up to $100,000 per accident, and $25,000 for property damage. This will pay out to the other party in the event of an accident if you are found At Fault.

State	State Min	PIP?
Maine	50/100/25	N/A

SR22 Insurance Maine Frequently Asked Questions

For personalized assistance with SR22 insurance in Maine, call us at 1.888.445.2793.

Last Updated on March 27, 2024 by Veronica Moss