Cheap SR-22 Insurance in Maine From $48

The average rate for liability coverage in Maine with an SR-22 on your record is $101, but you might be able to find lower rates by comparing quotes.

A.M. Steinbach
Written byA.M. Steinbach
A.M. Steinbach
A.M. SteinbachInsurance Writer
  • Full-time writer for 5+ years

  • Two-time Emmy Award nominee

A Harvard graduate, Mark has worked as a freelance personal finance and tech writer. He’s also written for Saturday Night Live.

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Chris Schafer
Edited byChris Schafer
Chris Schafer
Chris SchaferSenior Editor
  • 15+ years in content creation

  • 7+ years in business and financial services content

Chris is a seasoned writer/editor with past experience across myriad industries, including insurance, SAS, finance, Medicare, logistics, marketing/advertising, and many more.

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Updated December 26, 2024

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Cheapest recent rates in Maine for drivers with an SR-22

Recent Maine car insurance prices for Jeep , and more.

*Quotes generated for Insurify users from Maine within the last 10 days. Last updated on December 26, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from December 26, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

*Quotes generated for Insurify users from Maine within the last 10 days. Last updated on December 26, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from December 26, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

If you’re caught driving without insurance or you commit another serious traffic violation, the Maine Bureau of Motor Vehicles (BMV) may require you to file SR-22 insurance.[1] An SR-22 form certifies that you have car insurance coverage that meets the state minimums.

Not all insurance companies offer SR-22 insurance, and filing SR-22 insurance may come with higher rates. Learn more about some of the cheapest SR-22 insurance options in Maine.

Quick Facts
  • Maine’s Bureau of Motor Vehicles (BMV) requires drivers to carry SR-22 insurance for a few years, with the exact duration depending on the nature of your initial traffic offense.

  • Maine law requires drivers to carry insurance at 50/100/25 coverage limits.[2]

  • Enrolling in a defensive driving course, raising your deductible, or looking into bundling discounts are a few ways to save money while carrying SR-22 insurance.

Cheapest companies for SR-22 insurance in Maine

Several insurance companies in Maine offer SR-22 insurance. If you’re looking for affordable rates on SR-22 insurance, the following table lists some of Maine’s cheapest options.

The below rates are estimated rates current as of: Sunday, December 1 at 11:00 AM PST
Insurance Company
Liability Only
Full Coverage
USAA$48$94
State Farm$49$98
Safeco$57$85
Progressive$60$86
Liberty Mutual$61$132
GEICO$75$146
Allstate$75$147
Foremost$86$201
Travelers$87$170
Direct Auto$90$166
National General$90$171
Dairyland$91$256
The General$113$198
Bristol West$115$226
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

What is SR-22 insurance in Maine?

SR-22 insurance isn’t actually a form of insurance coverage. Instead, it’s a form that certifies you have insurance coverage that meets your state’s minimum insurance requirements. In Maine, this means carrying $50,000 in bodily injury liability per person, $100,000 in bodily injury liability per accident, and $25,000 for property damage liability.

If you need SR-22 insurance, you’ll likely receive a letter from the Maine BMV after your traffic court date. The Maine BMV states that it only accepts SR-22 forms from an insurance company that sells insurance in Maine. Not all insurance companies offer SR-22 insurance or non-owner SR-22 insurance, and carrying it usually raises your rates.

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Difference between SR-22 and FR-44

Maine is one of several states that require high-risk drivers to keep an SR-22 form on file after a serious driving incident. You may have heard of another certificate of financial responsibility known as an FR-44 form. This form functions similarly to an SR-22 form but only applies to drivers in Florida and Virginia.

While SR-22s show you carry coverage that meets the state’s minimum requirements, the coverage requirements for an FR-44 form are generally greater and require you to exceed minimum coverage.

When you need SR-22 insurance

SR-22 insurance is typically required after a driver’s license suspension. The Maine BMV may require SR-22 insurance for any of the following reasons:

  • Operating under the influence (OUI): Operating a vehicle under the influence is a serious infraction that puts your and other motorists’ lives at risk. An OUI conviction in Maine can come with a license suspension of up to three years as well as fines and potential jail time.

  • Multiple tickets: Receiving multiple speeding tickets may eventually lead to a license suspension. If so, you’ll likely need SR-22 upon reinstatement of your driving privileges.

  • Driving without insurance: All drivers in Maine must purchase liability insurance that meets state minimums. Failure to do so can result in license suspension.

  • Reckless driving: Frequent at-fault accidents, multiple serious traffic violations, and other careless incidents behind the wheel can lead to an SR-22 requirement.

How to get SR-22 insurance in Maine

The Maine BMV will let you know if you need SR-22 insurance either at your traffic court hearing or after the fact with a letter. Here’s the process for getting SR-22 insurance:

  1. Contact your current insurer. Ask your insurance agent if the company offers SR-22 insurance. If not, you’ll need to shop around to find an insurance company in Maine that sells SR-22 insurance.

  2. Send your insurer the letter from the BMV. Often, your insurance company will want proof that you need SR-22 insurance.

  3. Check in with the BMV. Your insurance company will file the SR-22 form on your behalf. Check with them within a week or two to ensure they’ve filed the form. Make sure you’ve paid any required fees.

Good to Know

Maine’s BMV website offers contact information for drivers who might have further questions about getting SR-22 insurance.

How long Maine requires SR-22 insurance

The amount of time you must carry SR-22 insurance varies based on the severity of the traffic violation. Generally, drivers should expect to carry SR-22 insurance for at least two years. You may carry SR-22 insurance for as short as one year to as long as five years.[3] The Maine BMV makes no statewide specifications about the length of your SR-22 term.

Committing another traffic offense while carrying SR-22 insurance could reset the clock or add time to your SR-22 term. The length of the term will vary based on how serious the infraction is and your existing driving record.

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How SR-22 insurance affects driving record and future rates in Maine

Receiving multiple traffic offenses or getting in at-fault car accidents will lead to higher car insurance rates. Insurance companies see you as a higher risk if you have a spotty driving history. To manage this increased risk, they’ll typically charge you higher car insurance rates.

SR-22 insurance rates vary by company. Your specific driver profile will also affect your car insurance rates, no matter your history. These rating factors include your age, gender, marital status, ZIP code, credit history, and more.

If you’re facing high rates in Maine, here are a few popular strategies for lowering your rates while under an SR-22 insurance requirement:

  • illustration card https://a.storyblok.com/f/162273/150x150/7adadbd97c/car-and-driving-96x96-gold_023-driving-test.svg

    Drive safely

    It’s never too late to start improving your driving record. Avoiding accidents and traffic violations can improve your standing in the eyes of car insurance companies and earn you discounts.

  • illustration card https://a.storyblok.com/f/162273/x/ba9869f2f9/defensive-driving.svg

    Take a defensive driving course

    Enrolling in a defensive driving course shows your car insurance company that you’re committed to safe driving. Most car insurance companies offer discounts to drivers who complete one of these courses.

  • illustration card https://a.storyblok.com/f/162273/150x150/75872bbafd/money-96x96-green_033-magnifying-glass.svg

    Look for discounts

    Many car insurance companies offer discounts to drivers who insure multiple cars, bundle homeowners insurance and auto insurance, remain loyal to one insurance company, or pay their insurance premiums online.

  • illustration card https://a.storyblok.com/f/162273/150x150/f93e5c7ccc/banking-96x96-orange_017-coins.svg

    Raise your deductible

    A higher deductible typically comes with lower monthly premiums. But you’ll be on the hook for higher out-of-pocket costs in the event of a car accident.

  • illustration card https://a.storyblok.com/f/162273/x/fa11c1fe75/comparison-website.svg

    Shop around and compare

    Getting quotes from multiple car insurance companies and comparing them side by side is the best way to find affordable car insurance.

Maine SR-22 insurance FAQs

The rules and details related to SR-22 insurance in Maine might get confusing, but the answers below should help you answer any lingering questions you might have about this insurance.

  • How do you know if you need an SR-22?

    The Maine BMV will let you know if you need SR-22 insurance. You’ll usually receive a letter in the mail, or the traffic court officials will notify you at your court date. In most cases, if you commit a serious traffic offense that leads to the suspension of your license, you’ll need to file an SR-22 form with the state.

  • Are there any fees with SR-22 insurance?

    Yes. Drivers in Maine must pay a reinstatement fee before they can qualify for SR-22 insurance. In Maine, the fee to reinstate your license after a suspension is $50.[4] You may make this payment in person at a BMV branch, over the phone, or online. Paying online will come with an additional fee of $5.

  • How much do car insurance rates increase after filing an SR-22?

    It depends. How much your rates increase after filing an SR-22 will vary based on several factors, including the severity of the traffic infraction and your existing driving record.

    Shopping around and comparing quotes from a wide range of car insurance companies will help you find the lowest rate. Utilizing discounts can help you lower your rates further.

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

    It depends. The Maine BMV doesn’t specify how long you need to hold SR-22 insurance. SR-22 insurance terms generally run from one to five years, depending on the severity of the initial infraction. The state may add time to this required period if you commit other traffic offenses.

  • How do you get rid of an SR-22 in Maine?

    Maintaining a clean driving record will help you get rid of your SR-22 insurance. If Maine requires you to carry SR-22 insurance for three years and you go that entire time period without an at-fault accident or traffic offense, you won’t need to file an SR-22 when you go to renew your car insurance policy.

  • What happens to your SR-22 in Maine if you move?

    The Maine BMV only accepts SR-22 insurance from companies that sell insurance in the state of Maine. This means that if you move, you’ll need to make sure the insurance company you enroll with in your new state also does business in Maine. Unfortunately, the Maine Bureau of Insurance won’t be able to help you find this new insurance policy out of state.

Methodology

Insurify data scientists analyzed more than 90 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 50+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.

Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).

Liability-only premium averages correspond to policies with the following coverage limits:

  • Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
  • Property damage limits between $10,000 and $50,000
  • No additional coverage
Full-coverage premium averages correspond to the same bodily injury and property damage limits in addition to:
  • Comprehensive coverage with a $1,000 deductible
  • Collision coverage with a $1,000 deductible

Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.

Sources

  1. NOLO. "SR-22 Insurance: What It Is and When It’s Required."
  2. Maine Bureau of Insurance. "Insurance Required by Law."
  3. Driving Laws. "SR-22 Insurance Information and Requirements."
  4. Maine Legislature. "§2486. Reinstatement fee."
A.M. Steinbach
A.M. SteinbachInsurance Writer

A.M. is a Brooklyn-based writer, editor, and content marketing strategist who's worked with major brands in insurance, tech, finance, and healthcare. He also contributes to The Average Joe, a personal finance newsletter that reaches over 250,000 daily readers. Since 2019, he's written for Insurify, breaking down a diverse range of insurance topics into crisp, readable prose.

A.M. has been a contributor at Insurify since December 2022.

Chris Schafer
Edited byChris SchaferSenior Editor
Chris Schafer
Chris SchaferSenior Editor
  • 15+ years in content creation

  • 7+ years in business and financial services content

Chris is a seasoned writer/editor with past experience across myriad industries, including insurance, SAS, finance, Medicare, logistics, marketing/advertising, and many more.

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