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Key Takeaways

  • SR-22 status in Maine must be kept up for at least three years.
  • You must pay between $15 and $25 for filing SR-22 insurance in Maine.
  • State Farm and USAA offer the cheapest SR-22 insurance rates in Maine.

Like in other states that demand an SR-22 form after a driving infraction, the Safety Responsibility form is also mandatory in Maine. This will act as a form of financial responsibility that your insurance provider submits to the state after facing a serious driving infraction. In addition, SR-22 insurance will reinstate your driving privileges and confirm you are fit for the road.

Here we discuss the SR-22 insurance in Maine, the average cost of SR-22 insurance in the state, the cheapest companies in Maine offering the coverage, and steps to save money on your SR-22 insurance in Maine.

What is SR-22 Insurance in Maine?

Several driving infractions can classify you as a high-risk driver in Maine. You might escape the SR-22 requirements in Maine if subjected to minor traffic violations. However, there are several traffic offenses in Maine that demand SR-22 insurance.

This will reinstate your driving privileges in the state. As a result, your insurance rates will increase with the conviction you have faced, and this will, in addition to the state-mandated minimum insurance requirements you must meet to file for SR-22 insurance.

What is the minimum SR-22 car insurance coverage in Maine?

The minimum car insurance requirements in Maine are mentioned below.

  • $50,000 bodily injury liability per person
  • $10,0000 bodily injury liability per accident
  • $25,000 property damage liability per accident
  • $50,000 underinsured/uninsured motorist coverage per person
  • $10,0000 underinsured/uninsured motorist coverage per accident

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When are you required to obtain SR-22 insurance in Maine?

The driving violations that require you to obtain SR-22 insurance in Maine are as follows:

  • Reckless driving charges
  • Driving with a suspended license
  • Driving without insurance
  • DWI charges

How long will I need the SR-22 in Maine?

Once your license has been suspended in Maine owing to severe driving infractions, you will need to maintain the SR-22 insurance for three years. Therefore, you must maintain the policy without any lapse in coverage.

How much does SR-22 insurance raise premiums in Maine?

Any driving infraction that categorizes you as a high-risk driver automatically raises your insurance rates. The average yearly car insurance rate in Maine for minimum coverage is $935 and $1542 for full coverage. However, following an SR-22 requirement, the insurance rates can increase by at least $85.

Cheapest Companies for SR-22 Insurance in Maine

Following the general trend, many insurance providers do not specialize in SR-22 insurance. So, if you are required to file for an SR-22, finding an insurance provider might be difficult. However, there are a few of them in Maine that handle SR-22 insurance.

The cheapest rates for SR-22 insurance in Maine are offered by USAA, followed by State Farm.

Insurance Company Annual Average Insurance Rate
USAA $398
State Farm $380
Allstate $572
Concord Group $608

How much does credit score affect SR-22 insurance costs in Maine?

Credit ratings significantly influence the cost of insurance. Therefore, a good credit score will help you maintain reasonable insurance premium rates. However, an SR-22 with a low credit score will provide a difficult situation with increased auto insurance costs.

Credit Tier Avg. Monthly Rate - No Violation Avg. Monthly Rate - SR-22
Excellent $112 $137
Good $124 $152
Average $125 $154
Poor $135 $166

How do you get SR-22 in Maine?

With a violation on your record, it could be more difficult to lower your insurance premiums. Despite the limited possibilities, getting many insurance quotes should give you a head start on the standard prices. One must make sure that there occur no lapses in the payment of the insurance.

Finalize your Provider

Your current insurance company may not provide you with SR-22 insurance. Thus, you must research, shop around, compare and finalize your provider.

Payment of SR-22 Fee

The fees for SR-22 filing in Maine are between $15 and $25. But, first, you'll have to pay your insurance provider. If your license has been revoked, you are required to pay a license reinstatement fee of over $100.

File proof of Insurance

After you purchase the minimum required insurance from your insurance provider, they will file the SR-22 form with the Maine Bureau of Motor Vehicles.

Receive Confirmation

You can start driving after you have received confirmation from the BMV and your insurance provider.

Nonowner SR-22 insurance in Maine

If you have faced a driving infraction but do not own a car, you'd still require SR-22 insurance to reinstate your driving privileges. In such cases, drivers in the state of Maine can opt for non-owner SR-22 insurance. This works for those who don't own a car and regularly rent or borrow one.

Since non-owner insurance includes liability insurance, it tends to be cheaper than Maine's average car insurance rates. The companies in Maine offering the cheapest non-owner SR-22 insurance are mentioned below.

Insurance Company Average Annual Rate
USAA $198
Progressive $239
Travelers $312

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How to Save Money on SR-22 Insurance in Maine

Reducing the insurance rates might be tougher with an infraction on the record. However, even though the options are limited, shopping around for insurance quotes should give you a head start on the average rates. This can help in figuring out an affordable option.

  • Compare and Purchase

Make use of the online quotes that insurance companies now provide. Choosing the one that suits your needs is best possible through this research. is the quickest and easiest way to compare quotes in Texas.

  • Improve your credit score

Maintaining your credit score between good and excellent can reduce the premium rates. In addition, if your offense is not repeated, a good credit score will come to your rescue.

  • Look for discounts

Always look for discounts when you are purchasing insurance. Insurance companies will offer multipolicy discounts, telematics discounts, and bundling discounts. This can make a huge difference in the rates.

  • Pay your premium in full

Insurance companies will reduce the total amount paid if you pay your premium in full.

  • Increase your deductible

Higher deductibles can lower your accident claim, but they also lower your auto insurance rates. Choose a deductible that fits your budget and comfort level after comparing your options to see if a lower deductible will save you money.

  • Consider usage-based car insurance

You might want to consider usage-based insurance if you are not a frequent driver but are a high-risk driver due to infractions.

Bottom-line: SR-22 Insurance in Maine

When a driver in Maine is convicted of a serious traffic offense that results in a license suspension, the vehicle insurance provider must submit the SR-22 form to the DMV. This certifies that the driver meets Maine's minimal insurance requirements.

Finding suitable insurance coverage is the first step in finding a solution to a problem following a traffic infraction. Unfortunately, your insurance premiums can go up after filing an SR-22. identifies the best offers from Maine's top insurance providers.

In Maine, State Farm and USAA offer the cheapest SR-22 insurance rates.

Auto Insurance Data Methodology

The auto insurance rates published in this guide are based on the results of research completed by’s data team. Using a mix of public and internal data, we analyzed millions of rate averages across U.S. ZIP codes.

Quotes are typically based on a full coverage policy average unless otherwise noted within the content.

These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes will differ. Given this, it’s important to go through our insurance steps form to find how much you can save with

Frequently Asked Question

Is SR-22 insurance expensive in Maine?

The insurance rates in Maine will increase with a driving infraction on your record. The SR-22 insurance requirement will increase your insurance rates by at least $85 on average.

Who has the cheapest SR-22 insurance in Maine?

State Farm and USAA offer the cheapest rates for SR-22 insurance in Maine.

How long do you need SR-22 in Maine?

You will need to maintain the SR-22 insurance for three years in Maine once your license has been suspended owing to severe driving infractions.

What happens to my SR-22 in Maine if I move?

You will still need to maintain your SR-22 insurance in Maine even if you move out of the state. In such cases, you will have to request your insurance provider to transfer your SR-22 insurance to the state you move to and maintain it without any lapse.

Do I need an SR-22 in Maine if I don't have a car?

If you have faced an infraction and require an SR-22 in case you don't own a car, you can opt for non-owner SR-22 insurance in Maine.

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