- Is Driving Without Insurance in Maine Illegal? Understanding Maine's Insurance Laws
- Cost for SR-22 Insurance (Full Coverage) in Maine
- Laws Pertaining to SR-22 Insurance in Maine
- Reasons you may be required to carry an SR-22 in Maine
- SR-22 Insurance rates by company (liability) in Maine
- DUI and SR-22 Insurance in Maine
- Which companies offer SR22 insurance Maine
- Who has the lowest price on SR22 insurance (by city) in Maine
- Company fees for SR22 Insurance Maine
- State Insurance Requirements in Maine
- SR22 Insurance Maine Frequently Asked Questions
- What is SR-22 insurance in Maine and when is it required?
- How long do I need to maintain SR-22 insurance in Maine?
- How can I get SR-22 insurance in Maine, and what does it cover?
- What We Do at A Plus Insurance
Is Driving Without Insurance in Maine Illegal? Understanding Maine’s Insurance Laws
Yes, driving without insurance in Maine is illegal. If you’re caught without the mandatory auto insurance coverage, you could face penalties such as fines and license suspension. For drivers with previous violations, SR22 insurance in Maine may be required to prove you have the necessary coverage. Maintaining proper insurance is essential not only to comply with Maine’s insurance laws but also to protect yourself and others on the road.
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.
- 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.
- 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.
- 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.
- 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.
- 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.
- 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
What is SR-22 insurance in Maine and when is it required?
SR-22 insurance in Maine is a certificate of financial responsibility required for individuals with certain driving violations, such as DUI or driving without insurance. It proves to the state that you have the required coverage. For more details, contact our experts.
How long do I need to maintain SR-22 insurance in Maine?
The duration for maintaining SR-22 insurance in Maine varies based on the offense. Typically, it’s required for three years, but it’s essential to check with your local DMV for specific requirements. For personalized advice, contact us.
How can I get SR-22 insurance in Maine, and what does it cover?
To get SR-22 insurance in Maine, you can call us at 1.888.445.2793 for assistance. SR-22 primarily provides the minimum liability coverage required by the state. Our team can guide you through the process and coverage details.
| Cities in Maine: SR22 Insurance Quotes |
|---|
| Portland Car Insurance SR22 |
| Lewiston Car Insurance SR22 |
| Bangor Car Insurance SR22 |
| South Portland Car Insurance SR22 |
| Auburn Car Insurance SR22 |
What We Do at A Plus Insurance
Homeowners, renters, and mobile home owners: make sure you have the protection you need.
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For personalized assistance with SR22 insurance in Maine, call us at 1.888.445.2793.
Last Updated on by Brian Muse