Cheapest SR-22 Car Insurance in Maine

State Farm offers the cheapest SR-22 insurance in Maine at $40 monthly for minimum coverage, 31% lower than the state average of $58. Progressive has the best rate for full coverage at $73.

GEICO offers Maine's most affordable non-owner SR-22 insurance, with rates of $34 monthly and $409 annually. Non-owner insurance helps drivers meet state minimum coverage requirements without owning a vehicle. 

The table below shows providers offering non-owner SR-22 insurance and their average minimum coverage costs.

The average cost of car insurance in Maine for drivers with an SR-22 is $691 annually for minimum coverage, 59% more than the $435 average for those with clean records.

For full coverage, SR-22 drivers pay about $1,443 annually — a 60% increase compared to $901 for drivers with clean records.

Having an SR-22 form doesn't raise your insurance rate by itself. Your violation determines the cost. The table below compares the price of SR-22 insurance for common violations across age groups.

An SR-22 is a form that proves you meet the state’s minimum car insurance requirements. Maine drivers with certain violations must file one to reinstate their license. Since insurers view these drivers as high-risk, premiums are usually higher.

An SR-22, also called an SR-22 bond or certificate of financial responsibility, is often mistaken for an insurance policy. It's a certification your insurer files to confirm to state officials that you have enough insurance to meet the reinstatement requirements of Maine's Financial Responsibility law.

In Maine, drivers must have an SR-22 for up to three years after serious traffic violations. This form certifies that the driver meets the state's minimum coverage requirements. To comply with SR-22 laws, you must meet these requirements:

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

In Maine, SR-22 certificates are usually required for up to three years.

Along with using an SR-22 for up to three years to comply with Maine's minimum coverage laws, drivers must follow these other rules:

• Fees: You must pay a fee to regain driving privileges and file the SR-22 form to prove liability coverage.
• Insurers' policies: After an SR-22 filing, your current insurer may cancel or refuse to renew your policy, requiring you to find a new provider.
• Continuous coverage: You must maintain uninterrupted coverage during the three-year SR-22 period. Lapses can result in penalties or license suspension, as insurers must notify the state of coverage gaps.
• Relocation: If you move out of Maine during the SR-22 period, coordinate with your insurer for out-of-state filing.
• Cancellation: After completing the three-year requirement, your insurer must file a financial responsibility cancellation with the state, confirming you’ve fulfilled the SR-22 obligation.

To avoid penalties and reinstate your license after a serious violation, maintain coverage for the entire SR-22 period. You'll need an SR-22 insurance quote if you don't have coverage. Finding insurance with an SR-22 can be more difficult than for drivers with a clean record, as insurers may cancel your policy or deny coverage when you file.

High-risk drivers in Maine might find fewer companies offering coverage, leading to limited choices and higher premiums. When getting an SR-22 insurance quote, check with your insurer for the exact fee if filing for the first time. Use these tips to find cheaper SR-22 insurance:

Non-owner car insurance covers those who drive frequently but don’t own a vehicle. It covers third-party injuries or property damage when driving someone else’s car, making it ideal for frequent renters or rideshare drivers.

This type of policy is often cheaper than standard insurance. Comparing quotes from different insurers can help you find the best rates. Your insurer can file an SR-22 after you purchase a policy, helping you comply with state laws and reinstate your license in three years.

Maine drivers with severe offenses need an SR-22 to prove they meet state minimum coverage requirements. They must keep this form for up to three years for serious or repeated offenses. SR-22 insurance costs more, but cheap car insurance in Maine is available for these drivers.

Below are frequently asked questions about SR-22 certifications in Maine:

MoneyGeek analyzed 127,836 quotes from nine companies across 258 ZIP codes to determine the average cost of car insurance premiums for Maine drivers with various profiles and needs.

Maine Driver Profile

We collected data for a sample driver with the following attributes:

• 40-year-old male
• Driving record with a DUI or an at-fault accident causing $1,000 to $1,999 in property damage
• 2012 Toyota Camry LE
• 12,000 miles driven annually

Coverage Levels and Deductibles

We gathered quotes for minimum coverage policies to help drivers find the cheapest SR-22 insurance for their coverage needs. Quotes were based on Maine's minimum coverage requirements, with the following limits:

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

For the most affordable policy with comprehensive and collision coverage — also called full coverage — we used the following limits with a $1,000 deductible:

• $100,000 bodily injury liability per person
• $300,000 bodily injury liability per accident
• $100,000 property damage liability per accident

Learn more about MoneyGeek's car insurance methodology.