Maine DUI Hardship License & SR-22 Insurance
Maine requires 50/100/25 liability coverage and is an at-fault state.
Get My Hardship-License 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 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.
Bodily Injury Liability
Property Damage Liability
SR-22 Certificate of Financial Responsibility
Uninsured Motorist 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
- First-offense DUI adds 60–90 percent to base premiums in Maine; second-offense DUI doubles rates or triggers non-renewal.
- Drivers under 25 with a DUI conviction pay 30–50 percent more than drivers over 30 with identical violation history.
- Continuous coverage matters — a single day lapse during the SR-22 period restarts the full 3-year filing requirement from the new reinstatement date.
Drive Legally on Your Restricted License
Get My Hardship-License 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 do I need SR-22 insurance after a DUI in Maine?
Maine requires SR-22 filing for 3 years from the date your license is reinstated, not from the conviction date. If your policy lapses during those 3 years, the Bureau of Motor Vehicles suspends your license immediately and the 3-year clock restarts from the new reinstatement date. Continuous coverage without any lapse is mandatory.
What happens if my SR-22 insurance lapses in Maine?
Your carrier reports the lapse to the Bureau of Motor Vehicles within 24 hours. The BMV suspends your license immediately, and you must pay a new reinstatement fee, obtain new SR-22 coverage, and restart the full 3-year filing period from the new reinstatement date. A single day lapse resets the clock completely.
Which insurance carriers offer SR-22 in Maine?
Most standard carriers non-renew policies after a DUI conviction. Non-standard and high-risk specialists writing SR-22 in Maine include Progressive, The General, National General, and Bristol West. Local independent agents often have access to regional carriers not available through direct-to-consumer channels.
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.