Maine Auto Insurance After Uninsured Suspension
Maine requires 50/100/25 liability coverage and is an at-fault state.
Get My Reinstatement SR-22 QuoteMaine at a Glance
50/100/25
Minimum liability limits, in thousands of dollars (per person / per accident / property)
At-fault
The at-fault driver's insurance pays for the damage they cause
Required
PIP and Uninsured motorist coverage must be on every policy
$50
State license reinstatement fee
Source: state DMV, insurance department and statute records, verified July 2026
Minimum Coverage Requirements in Maine
Maine operates under a traditional tort liability system and requires continuous proof of insurance for all registered vehicles. The Maine Bureau of Motor Vehicles cross-checks registration records against insurer filings electronically — any lapse triggers automatic suspension notices. SR-22 filing is mandatory after uninsured driving suspensions and must remain active for the full 3-year period without interruption.
Bodily Injury Liability
Property Damage Liability
SR-22 Certificate of Financial Responsibility
Uninsured Motorist Coverage
Medical Payments Coverage
What Drivers Pay in Maine
$175–$306/mo
Typical monthly rate in Maine, high-risk drivers after a DUI
Rate data: ValuePenguin and Insurify, 2026
What Affects Your Rate
- Maine allows insurance points to drop after 3 years, so premiums decline substantially at the end of your SR-22 period if you avoid new violations.
Fix the Lapse That Cost You Your License
Get My Reinstatement SR-22 QuoteIf your license is suspended
Work-Restricted Drivers License
A restricted license is available while suspended.
Source: state DMV, insurance department and statute records, verified July 2026
Frequently Asked Questions
How long does SR-22 filing last after an uninsured driving suspension in Maine?
Maine requires 3 years of continuous SR-22 filing after an uninsured driving suspension, measured from the date you reinstate your license, not the suspension date. If your policy lapses for even one day during the 36-month period, the filing clock resets to zero and the Bureau of Motor Vehicles re-suspends your license immediately.
Which insurance carriers write SR-22 policies in Maine after uninsured suspensions?
Non-standard carriers like The General, Acceptance Insurance, Direct Auto, and Bristol West specialize in SR-22 filings after uninsured suspensions. Preferred carriers like State Farm and Allstate typically decline drivers with active suspensions, though some will quote you after 6 months of continuous SR-22 filing.
Coverage Types
SR-22 Insurance After Uninsured Suspension
An endorsement filed by your insurer proving you maintain Maine's required liability minimums continuously for 3 years. The filing itself costs $25 to $50, but premiums increase 50% to 80% due to the underlying suspension.
Non-Owner SR-22
Liability-only coverage for drivers who don't own a vehicle but need to satisfy Maine's SR-22 requirement. Covers you when driving borrowed or rental vehicles.
Liability Insurance
Covers bodily injury and property damage you cause to others in an accident. Maine requires 50/100/25 minimums, but the $50,000 per-person limit often falls short in serious injury claims.
Uninsured Motorist Coverage
Protects you when an at-fault driver has no insurance or inadequate liability limits. Maine insurers must offer this at limits matching your liability coverage.
High-Risk Auto Insurance
Coverage from non-standard carriers specializing in drivers with suspensions, lapses, or major violations. Premiums are higher but acceptance rates are near-guaranteed.