Maine DUI SR-22 Insurance After Conviction
Maine requires 50/100/25 liability coverage and is an at-fault state.
Free to compare
Maine 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 system, meaning the at-fault driver's liability coverage pays for damages. After a DUI conviction or implied-consent refusal, the Maine Bureau of Motor Vehicles requires SR-22 filing to reinstate your license and maintain it for 3 years from the filing date. The filing period begins when the SR-22 is first filed, not the conviction date, which means delayed filing extends your total compliance timeline.
Bodily Injury Liability
Property Damage Liability
SR-22 Certificate of Financial Responsibility
Uninsured Motorist Coverage
What Drivers Pay in Maine
$243–$306/mo
Typical monthly rate in Maine, drivers with an SR-22 after a DUI
Rate data: ValuePenguin and NerdWallet, 2026
What Affects Your Rate
- Filing period compliance matters to underwriters — drivers more than 18 months into a clean SR-22 period qualify for better rates than drivers filing for the first time because the risk profile improves with sustained compliance.
- Maine's rural driving patterns mean higher annual mileage for most policyholders, increasing exposure — Portland metro drivers average 12,000 miles annually while rural county drivers commonly exceed 15,000 miles, raising collision and liability risk.
- Non-standard market availability varies by county — Dairyland, Bristol West, and The General write statewide, but regional carriers like GAINSCO and Acceptance have limited agent networks in northern and eastern Maine.
Find an Insurer That Will File After a DUI
Get SR-22 Coverage After a DUIIf 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 in Maine after a DUI?
Maine requires SR-22 filing for 3 years from the date you first file the certificate with the Bureau of Motor Vehicles, not from your conviction date. If you delay filing after reinstatement eligibility, you extend the total compliance period. The 3-year clock resets to zero if your policy lapses or the SR-22 is cancelled for any reason.
Will my insurance company keep me after a DUI in Maine?
Most major carriers including State Farm, Geico, Allstate, and Progressive will file SR-22 for current policyholders but typically non-renew the policy at the end of the term, usually within 6–12 months. You will need to obtain quotes from non-standard carriers like Dairyland, Bristol West, The General, or GAINSCO before your current policy expires.
What happens if my SR-22 insurance lapses in Maine?
Your carrier notifies the Maine Bureau of Motor Vehicles electronically within 10 days of cancellation or non-payment. The BMV suspends your license immediately and the 3-year SR-22 filing period resets to zero when you refile. Reinstatement after SR-22 lapse requires paying a new reinstatement fee in addition to the original penalties.
Do I need SR-22 if I move to Maine from another state with a DUI conviction?
If your previous state required SR-22 and the filing period has not expired, Maine requires you to maintain continuous SR-22 filing when you transfer your license. Contact the Maine Bureau of Motor Vehicles before your move to confirm whether your out-of-state SR-22 transfers or whether you need to file a new certificate with a Maine-licensed carrier.
Coverage Types
SR-22 Insurance
SR-22 is a certificate your carrier files with the Maine Bureau of Motor Vehicles proving you maintain required coverage. The filing itself costs $15–$50 but the underlying policy premium increases 40–80% after DUI.
Non-Owner SR-22
Provides liability coverage and SR-22 filing for drivers who do not own a vehicle but need to satisfy Maine's filing requirement to reinstate their license.
Liability Insurance
Covers bodily injury and property damage you cause to others. Required in all circumstances and the foundation of every SR-22 policy.
Uninsured Motorist Coverage
Pays your medical bills and property damage when hit by a driver with no insurance or limits too low to cover your losses.
Full Coverage
Bundled liability, comprehensive, collision, and uninsured motorist coverage. Required by lenders on financed vehicles.