Cheap SR-22 Insurance in Maine From $48
The average rate for liability coverage in Maine with an SR-22 on your record is $100, but you might be able to find lower rates by comparing quotes.
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If you’re caught driving without insurance or you commit another serious traffic violation, the Maine Bureau of Motor Vehicles (BMV) may require you to file SR-22 insurance.1 An SR-22 form certifies that you have car insurance coverage that meets the state minimums.
Not all insurance companies offer SR-22 insurance, and filing SR-22 insurance may come with higher rates. Learn more about some of the cheapest SR-22 insurance options in Maine.
Cheapest companies for SR-22 insurance in Maine
Several insurance companies in Maine offer SR-22 insurance. If you’re looking for affordable rates on SR-22 insurance, the following table lists some of Maine’s cheapest options.
What is SR-22 insurance in Maine?
SR-22 insurance isn’t actually a form of insurance coverage. Instead, it’s a form that certifies you have insurance coverage that meets your state’s minimum insurance requirements. In Maine, this means carrying $50,000 in bodily injury liability per person, $100,000 in bodily injury liability per accident, and $25,000 for property damage liability.
If you need SR-22 insurance, you’ll likely receive a letter from the Maine BMV after your traffic court date. The Maine BMV states that it only accepts SR-22 forms from an insurance company that sells insurance in Maine. Not all insurance companies offer SR-22 insurance or non-owner SR-22 insurance, and carrying it usually raises your rates.
Difference between SR-22 and FR-44
Maine is one of several states that require high-risk drivers to keep an SR-22 form on file after a serious driving incident. You may have heard of another certificate of financial responsibility known as an FR-44 form. This form functions similarly to an SR-22 form but only applies to drivers in Florida and Virginia.
While SR-22s show you carry coverage that meets the state’s minimum requirements, the coverage requirements for an FR-44 form are generally greater and require you to exceed minimum coverage.
When you need SR-22 insurance
SR-22 insurance is typically required after a driver’s license suspension. The Maine BMV may require SR-22 insurance for any of the following reasons:
Operating under the influence (OUI): Operating a vehicle under the influence is a serious infraction that puts your and other motorists’ lives at risk. An OUI conviction in Maine can come with a license suspension of up to three years as well as fines and potential jail time.
Multiple tickets: Receiving multiple speeding tickets may eventually lead to a license suspension. If so, you’ll likely need SR-22 upon reinstatement of your driving privileges.
Driving without insurance: All drivers in Maine must purchase liability insurance that meets state minimums. Failure to do so can result in license suspension.
Reckless driving: Frequent at-fault accidents, multiple serious traffic violations, and other careless incidents behind the wheel can lead to an SR-22 requirement.
How to get SR-22 insurance in Maine
The Maine BMV will let you know if you need SR-22 insurance either at your traffic court hearing or after the fact with a letter. Here’s the process for getting SR-22 insurance:
Contact your current insurer. Ask your insurance agent if the company offers SR-22 insurance. If not, you’ll need to shop around to find an insurance company in Maine that sells SR-22 insurance.
Send your insurer the letter from the BMV. Often, your insurance company will want proof that you need SR-22 insurance.
Check in with the BMV. Your insurance company will file the SR-22 form on your behalf. Check with them within a week or two to ensure they’ve filed the form. Make sure you’ve paid any required fees.
How long Maine requires SR-22 insurance
The amount of time you must carry SR-22 insurance varies based on the severity of the traffic violation. Generally, drivers should expect to carry SR-22 insurance for at least two years. You may carry SR-22 insurance for as short as one year to as long as five years.3 The Maine BMV makes no statewide specifications about the length of your SR-22 term.
Committing another traffic offense while carrying SR-22 insurance could reset the clock or add time to your SR-22 term. The length of the term will vary based on how serious the infraction is and your existing driving record.
How SR-22 insurance affects driving record and future rates in Maine
Receiving multiple traffic offenses or getting in at-fault car accidents will lead to higher car insurance rates. Insurance companies see you as a higher risk if you have a spotty driving history. To manage this increased risk, they’ll typically charge you higher car insurance rates.
SR-22 insurance rates vary by company. Your specific driver profile will also affect your car insurance rates, no matter your history. These rating factors include your age, gender, marital status, ZIP code, credit history, and more.
If you’re facing high rates in Maine, here are a few popular strategies for lowering your rates while under an SR-22 insurance requirement: