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An SR-22 in Maine is a certificate proving that a high-risk driver has the legal requirements for car insurance in Maine. So-called SR-22 insurance raises annual car insurance premiums by roughly $85 in Maine, compared to standard rates. In addition, there's usually a fee of $15 to $25 for your insurance company to file your SR-22 documentation with the state.
Your SR-22 must be maintained with Maine's licensing agency for 3 years, according to Maine law. If your insurance coverage lapses during that time, your insurance company is required to report you to the state. Your SR-22 period resets in that case, and you are required to pay any SR-22 related fees again.
What You Need to Know About SR-22 Insurance in Maine:
- Who Needs SR-22 Insurance in Maine? Maine requires SR-22 documentation for drivers who are convicted of serious traffic violations. The list includes reckless driving, hit and run, and DUI, among other major offenses.
- How Much Does SR-22 Insurance Raise Premiums in Maine? An SR-22 in Maine increases car insurance costs by approximately $85. That is roughly 20% more than the average Maine resident pays for car insurance. The increase is proportionate to your traffic violation - multiple DUIs will raise rates more than your first speeding ticket.
- What is Minimum SR-22 Car Insurance Coverage in Maine: Drivers need bodily injury insurance of at least $50,000 in bodily injury liability insurance per person ($100,000 per accident) plus $25,000 in property damage liability insurance. Drivers also need at least $50,000 per person ($100,000 per accident) in uninsured motorist coverage, as well as $2,000 in MedPay coverage.
- How to File SR-22 Documentation in Maine: Your insurance company will file the SR-22 certificate with the state for you. For the next 3 years, you need to keep your insurance policy active with no lapse in coverage.
Summary: SR-22 Insurance in Maine
SR-22 Needed After | Serious traffic violation and/or license suspension |
Required For | 3 years |
Average Cost Increase | $85 |
Min. Bodily Injury Liability Coverage | $50,000 per person / $100,000 per accident |
Min. Property Damage Liability Coverage | $25,000 |
Additional Coverage Needed | $50,000 per person / $100,000 per accident in uninsured motorist coverage $2,000 in MedPay |
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