Cheapest SR-22 Car Insurance in Maine (2024)

An SR-22 is a certificate demonstrating financial responsibility; it is not an actual insurance policy. Either you or your insurer file it in Maine after certain violations, such as DUI or driving without insurance. The SR-22 doesn’t affect your rates, but the infractions necessitating it can lead to higher premiums.

Countryway Insurance offers the most affordable SR-22 liability-only coverage at an average of $356 per year. State Farm follows closely, providing coverage at around $479 per year. For those who don't own a car but still require SR-22, GEICO provides the most budget-friendly non-owner car insurance at around $409 per year for state minimum coverage. Travelers also offers a competitive average annual rate of $431.

The cheapest companies for state minimum liability-only SR-22 car insurance in Maine are:

• Countryway Insurance: $30 per month; $356 per year
• State Farm: $40 per month; $479 per year

The least expensive providers for full coverage SR-22 insurance in Maine are:

• Progressive: $73 per month; $880 per year
• Travelers: $84 per month; $1,009 per year

After a moving violation, expect to pay more for car insurance due to being considered a high-risk driver. Still, you can find cheap SR-22 car insurance by shopping around. State minimum coverage is often the most affordable, while full coverage offers more protection at a higher cost. Finding the cheapest provider for your SR-22 insurance in the Pine Tree State can lead to significant savings, so it's worth comparing quotes from various insurers.

The companies with the cheapest non-owner SR-22 insurance are:

• GEICO: $34 per month; $409 per year
• Travelers: $36 per month; $431 per year

Non-owner car insurance can fulfill the state minimum coverage requirements for individuals who need to file an SR-22 but do not own a vehicle. This type of insurance is essential for those whose licenses have been suspended or revoked or who have committed serious traffic violations. Finding the most affordable insurance provider is crucial for non-owner drivers, as it ensures compliance with legal requirements without unnecessary financial strain.

An SR-22 is a form that proves you carry the state minimum coverage for car insurance. In Maine, you or your insurance company file it mainly after serious traffic violations like DUI, driving without insurance or repeat traffic offenses. You'll need to maintain an SR-22 for three years in Maine. If your SR-22 is canceled or lapses, your insurer must notify the state immediately to avoid penalties.

An SR-22 insurance certifies that you have the minimum car insurance requirements in Maine, which include:

• $50,000 for bodily injury liability per person
• $100,000 for bodily injury liability per accident
• $25,000 for property damage liability per accident
• $50,000 uninsured motorist bodily injury per person
• $100,000 uninsured motorist bodily injury per accident
• $2,000 medical payments coverage

If you don't own a car, you'll need SR-22 non-owner car insurance. Remember, an insurance policy card cannot replace an SR-22 form.

Drivers in Maine may need to file an SR-22 through their insurance company after certain moving violations. This form proves you carry the state minimum coverage, which is necessary to keep your driver's license. If you have a DUI, have been caught driving without insurance or have other major traffic offenses, expect to maintain an SR-22 for three years. Remember, your insurer will notify the state if your policy gets canceled. The driving offenses that trigger this requirement are:

Filing an SR-22 in Maine can lead to higher insurance rates, fewer coverage options and extra fees. You might even be denied insurance or have your policy canceled mid-term. It's key to have continuous insurance coverage. If your insurance lapses, you may have to start your SR-22 requirement over, which usually lasts for three years in Maine.

These are the negative effects of SR-22 on your car insurance:

Drivers with a DUI in Maine pay an average of $1,410 per year for full coverage car insurance. State minimum coverage costs about $669 annually. In comparison, drivers with a clean record pay $857 for full coverage and $412 for state minimum coverage. The severity of your offense directly impacts your premiums.

It’s not the SR-22 certificate that raises your rates but the violations associated with it. Repeat offenders or those with severe violations may face non-renewal or increased rates at renewal. In Maine, an SR-22 certificate is required for three years. During this period, you must maintain a minimum liability coverage of 50/100/25 plus $50,000 in uninsured motorist bodily injury per person, $100,000 in uninsured motorist bodily injury per accident and $2,000 in medical payments coverage.

Filing an SR-22 in Maine is essential after certain violations, such as DUI or driving without minimum coverage. Noncompliance can lead to severe legal consequences, including license suspension. Ensure that for three years, you maintain the required 50/100/25 liability coverage, matching uninsured motorist bodily injury per person and per accident and $2,000 for medical payments coverage.

Here are the steps to secure an SR-22 in Maine:

If your SR-22 in Maine lapses, your driving privilege will be resuspended. You must maintain minimum coverage for three years. If canceled, you or your insurer need to file a new SR-22 to drive again. The cost for reinstating your license with a new SR-22 isn't specified on the Maine Bureau of Motor Vehicles website, but it costs around $25.

A DUI on your record can raise your car insurance costs. For example, drivers in the 30 to 59 age group with a clean record pay an average annual premium of $412 for state minimum coverage, while the same person with a DUI pays around $669 per year. That's a monthly jump from $34 to $56.

Affordable options for car insurance after a DUI are available. Residents needing SR-22 documentation in Maine can find strategies to secure lower rates, keeping their insurance budget in check.

Finding affordable SR-22 insurance in Maine can be challenging. Here are answers to common questions about securing low-cost SR-22 car insurance in the Pine Tree State.