Elijah Black

Lead Insurance Writer

Elijah Black is a Greenville, South Carolina native with a B.A. English from Coastal Carolina University. He is a fiction writer and also works as a freelance writer and editor. He’s worked as a Production Assistant for WYFF 4 and has been published in several publications and websites across the United States.

Lead Insurance Writer

Rachael Brennan

Licensed Auto Insurance Agent

Rachael Brennan has been working in the insurance industry since 2006 when she began working as a licensed insurance representative for 21st Century Insurance, during which time she earned her Property and Casualty license in all 50 states. After several years she expanded her insurance expertise, earning her license in Health and AD&D insurance as well. She has worked for small health in...

Licensed Auto Insurance Agent

UPDATED: Dec 4, 2023

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Maine car insurance rate for full coverage is $884 per year or $74 per month. Maine SR-22 insurance car insurance cost averages $1,331 per year or $111 per month. This guide answers questions, gives tips, and goes into detail about SR-22 in Maine.

If you need to get Maine SR-22 insurance right away, enter your ZIP code in our FREE comparison tool to get car insurance rates from companies in your local area.

What is Maine SR-22 insurance?

A Maine SR-22 car insurance form, or a financial responsibility insurance form, is a document that serves as proof that a driver is financially responsible for carrying the minimum required amount of car insurance. It can cost $15 to sign up for Maine SR-22 insurance at the Maine Bureau of Motor Vehicles (BMV).

Six major factors affect car insurance rates in Maine. Which auto insurance factors will impact SR-22 rates the most? Typically, that’s a ME DUI conviction.

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Who needs SR-22 insurance in Maine?

In Maine, SR-22 car insurance must be carried by drivers who were at fault in an accident that caused property damage, injury, or death and were uninsured at the time. In addition to uninsured drivers, drivers who were convicted of DUI, unsatisfied judgments, or drivers whose licenses were revoked for other reasons, need Maine SR-22 insurance.

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What is the cheapest SR-22 insurance in Maine?

We mentioned that Maine SR-22 insurance is $1,331 per year. That’s an average cost of Maine SR-22 insurance, Some of the biggest car insurance companies in Maine may have cheaper car insurance rates or more expensive rates. The best way to determine how much you can pay for Maine SR-22 insurance is to look at car insurance rates based on driving records.

Maine Average Annual Driving Record Rates by Company
CompanyClean recordWith 1 speeding violationWith 1 accidentWith 1 DUI
State Farm$1,996$2,199$2,402$2,199
Liberty Mutual$3,344$3,633$3,922$6,427
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The cheapest SR-22 insurance in Maine is provided by GEICO. The next cheapest car insurance companies are Travelers, State Farm, and USAA, while the most expensive company is Liberty Mutual.

Are there different types of Maine SR-22 insurance forms?

Yes, there are three types of Maine SR-22 insurance forms:

  • Operator’s SR-22 insurance covers motorists who do not own a vehicle.
  • The Owner’s Certificate covers motorists who own a vehicle.
  • The Operator’s-Owner’s Certificate covers all vehicles owned or not owned by a motorist.

Find out how much you’ll spend on SR-22 insurance by entering your ZIP code in our FREE comparison tool!

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Is SR-22 car insurance required in Maine?

All motorists in Maine must carry liability insurance or file an SR-22 certificate with the Maine Secretary of State. Failure to do so results in a $500 fine and suspension of your driver’s license and registration if an officer stops you during a traffic stop or accident.

How do I file a Maine SR-22 insurance form?

Your car insurance company files a Maine SR-22 insurance form with the Maine Secretary of State. Your car insurance company may charge a processing fee, which can vary among agencies. You can go here to request a quote from state-authorized agencies in your area.

The car insurance company generally files the Maine SR-22 auto insurance form within 30 days of your request. Once accepted, you will receive your Maine SR-22 insurance from your car insurance company, accompanied by a letter from the Maine Secretary of State.

If you filed for SR-22 insurance recently, enter your ZIP code to start looking for affordable car insurance rates using our FREE comparison tool!

How do I reinstate my suspended license in Maine?

Maine license reinstatement requires you to pay a fine at the Maine BMV’s Violations Bureau. You must pay for each violation and a late fee of $50 for each violation.

Also, you’ll need to pay the Maine BMV reinstatement fee ($50-$100) for each violation that resulted in a suspension. Contact the Maine Bureau of Motor Vehicles at (207) 624-9000 (ext. 52100) to confirm that your license has been reinstated.

You must maintain the Maine SR-22 car insurance for three years and renew it at least 15 days before it expires. If you do not renew your SR-22 15 days before the expiration date, the car insurance company is required by law to notify the state of Maine, and your Maine driving license will be suspended until you reinstate Maine SR-22 insurance.

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Frequently Asked Questions: Maine SR-22 Insurance

For the final section of the guide, we’ll cover frequently asked questions you see on search engines across the web. In addition to the questions, people also ask, we’ll recap what you’ve learned in this guide.

If you need Maine SR-22 insurance right away, enter your ZIP code in the FREE comparison tool below to get started comparing car insurance rates in your local area!

#1 – How do you get Maine SR-22 insurance?

SR-22 follows multiple traffic violations, several accidents, or a DUI conviction. State law will likely suspend your license and require you to get SR-22 car insurance to get your driver’s license reinstated.

#2 – Does Progressive offer SR-22?

Yes. Progressive has a program where customers can get SR-22 insurance faster if they need it.

#3 – Do I need an SR-22 to reinstate my license?

Yes. One of the conditions of getting your license after having it suspended or revoked is enrolling in SR-22 insurance.

#4 – What are Maine DMV Forms and a Maine Hardship License?

Maine DMV forms are a list of forms from the Maine Bureau of Motor Vehicles website. A Maine Hardship License is a license privilege law for convicted drivers who participate or have completed alcohol and drug education and treatment programs.

#5 – What is Serenity Insurance?

Serenity Insurance is a car insurance company located in Spokane, Washington.

Maine SR-22 Insurance: The Bottom Line

Having violations on your driving record affects the amount of premium you pay each year. Although there’s a premium increase for your car insurance after minor violations (like a speeding ticket or at-fault accident), it won’t require a SR-22 filing in Maine.

Each state has different SR-22 requirements that results in the requirement of SR-22 coverage, but committing dangerous or reckless driving, driving with a suspended or revoked license almost assures that you’ll need your carrier to file an SR-22 form to the state of Maine.