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Maine DUI Hardship License & SR-22 Insurance

Maine requires SR-22 filing for 3 years after a DUI conviction, with 50/100/25 liability minimums — $50,000 per person, $100,000 per accident for bodily injury, $25,000 for property damage. High-risk SR-22 premiums in Maine typically run $140–$220/month depending on violation history and county.

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Non-Standard Auto · SR-22 · Senior · Teen Drivers

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Updated May 2026

Minimum Coverage Requirements in Maine

Maine operates under a tort-based liability system, meaning the at-fault driver's insurance pays for damages. The state does not offer a restricted or hardship license program for DUI offenders — your license is suspended for the full statutory period with no early driving privileges. SR-22 filing is mandatory for 3 years following a DUI conviction, and proof of insurance must be maintained continuously or the Bureau of Motor Vehicles will extend your suspension.

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50/100 ($50,000 per person, $100,000 per accident)
Bodily Injury Liability
Covers injuries you cause to others in an accident. Maine's $50,000 per-person minimum is higher than many states but still insufficient for serious injury claims — a single night in a Portland trauma center can exceed $100,000. Post-DUI drivers cannot reduce these limits during the SR-22 filing period without triggering a compliance lapse.
$25,000
Property Damage Liability
Covers damage you cause to another person's vehicle or property. Maine's $25,000 minimum falls short in multi-vehicle accidents or collisions involving newer trucks and SUVs common in rural areas. The Bureau of Motor Vehicles monitors SR-22 status electronically — your carrier reports lapses within 24 hours.
3-year filing period
SR-22 Certificate of Financial Responsibility
SR-22 is not a coverage type but a court-mandated filing submitted by your insurer to the Bureau of Motor Vehicles proving you carry at least 50/100/25 liability. Filing fees run $25–$50 in Maine, paid at policy inception and again at each renewal. If your policy lapses for non-payment, the BMV suspends your license immediately and you restart the full 3-year filing period from the reinstatement date, not the original conviction date.
Must be offered; rejection requires written signature
Uninsured Motorist Coverage
Maine law requires carriers to offer uninsured and underinsured motorist coverage matching your liability limits. You can reject it, but only in writing at policy inception — verbal rejection does not count and the coverage is added automatically if the form isn't signed. Post-DUI drivers in rural counties where uninsured rates exceed 12 percent often keep this coverage despite the added premium.
State-Mandated Minimum Coverage · Maine

Maine Minimum Coverage

CoverageMinimum
Bodily Injury (per person)$50,000
Bodily Injury (per accident)$100,000
Property Damage$25,000

License Reinstatement Fee$50

Meeting the state minimum keeps you legal. See whether it's enough — get your Maine quote.

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How Much Does Car Insurance Cost in Maine?

Maine SR-22 insurance premiums reflect DUI surcharge multipliers that vary by carrier and county. Portland and Bangor drivers face higher base rates due to accident frequency and theft rates, while rural Aroostook and Washington County drivers pay less but have fewer carrier options.

What Affects Your Rate

  • First-offense DUI adds 60–90 percent to base premiums in Maine; second-offense DUI doubles rates or triggers non-renewal.
  • Portland metro zip codes average $40–$60/month higher than Lewiston or Augusta due to collision frequency and comprehensive claim density.
  • Drivers under 25 with a DUI conviction pay 30–50 percent more than drivers over 30 with identical violation history.
  • SR-22 filing fees of $25–$50 are charged at inception and each renewal; some carriers bundle the fee into the premium rather than billing separately.
  • Continuous coverage matters — a single day lapse during the SR-22 period restarts the full 3-year filing requirement from the new reinstatement date.
  • Non-owner SR-22 policies for drivers without a vehicle run $50–$90/month in Maine and satisfy Bureau of Motor Vehicles filing requirements during the suspension period.
Minimum Coverage
$140–$190/mo
State-minimum 50/100/25 liability with SR-22 filing. No collision or comprehensive. Typical for older vehicles or drivers without a car loan.
Standard Coverage
$180–$250/mo
50/100/25 liability plus collision and comprehensive with $500–$1,000 deductibles. Covers financed vehicles and provides property protection in Maine's harsh winter conditions.
Full Coverage
$220–$320/mo
100/300/100 liability limits, collision, comprehensive, and uninsured motorist coverage. Recommended for drivers with significant assets or recent high-value accident claims.

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Coverage Types

SR-22 Insurance

Court-mandated proof-of-insurance filing required for 3 years after a DUI conviction. Your carrier files SR-22 electronically with the Bureau of Motor Vehicles and monitors compliance continuously.

Non-Owner SR-22

Liability-only SR-22 policy for drivers who do not own a vehicle but need to satisfy filing requirements during suspension or after license reinstatement.

High-Risk Auto Insurance

Coverage from non-standard carriers that specialize in DUI, suspended license, and multiple-violation drivers rejected by preferred carriers.

Uninsured Motorist Coverage

Protects you when hit by a driver with no insurance or insufficient limits. Maine law requires carriers to offer it at limits matching your liability coverage.

Find Your City in Maine

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Portland

urban
Rural countryside with green fields, autumn trees, and dirt road under overcast sky

Lewiston

suburban
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Bangor

urban
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Auburn

suburban
Misty lake with fog over calm water, framed by tree branches and foreground vegetation

Augusta

urban

Frequently Asked Questions

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