SR-22s in Maine: What You Need to Know

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  • What is it?
  • Who needs one?
  • How to get one
  • Cost
  • Impact on your insurance
  • Cheap car insurance
In Maine, SR-22 insurance is required for at least three years after a driver commits a serious traffic violation—although the exact period can vary.
SR-22s are necessary for drivers who have committed certain driving offenses. These might include DWI, being at fault in an accident without insurance, or just racking up too many demerit points.
The need for an SR-22 will arise after a driver has their license suspended, or is deemed unfit to drive. The SR-22 itself is a document, submitted by an insurer, that guarantees that a driver has the minimum required insurance in order to stay on the road.
Filing an SR-22 in Maine may sound like a hassle—but it’s not. Working with your insurance provider, and using the help of car insurance and broker app Jerry, you could be back on the road and driving safely in no time!
So, read on to find out exactly how SR-22s work in Maine.

What is an SR-22 in Maine?

In Maine, an SR-22 is a form submitted to the Maine Bureau of Motor Vehicles to verify that you have the minimum coverage required to stay on the road after a serious moving violation.
Maine most often requires SR-22s after you’ve had your license suspended or revoked.
You’ll usually need to have SR-22 insurance for three years following a major incident, including but not limited to:
  • Driving while intoxicated
  • Driving with a suspended license
  • Driving without a valid driver’s license
  • Numerous repeat violations
If you’re convicted of one of those, you’ll need your insurer to guarantee minimum liability coverage. In Maine the requirements are:
  • $50,000 per person for bodily injury
  • $100,000 per accident for bodily injury
  • $25,000 for property damage
These are minimum requirements, though, so ask your insurer if they can guarantee more coverage—despite your spotty driving record.
Key Takeaway You’ll need an SR-22 for 3 years after having your license revoked or suspended in Maine.
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Who needs an SR-22 in Maine?

Drivers who have committed serious moving violations such as a DUI, or racked up too many demerit points, need to get an SR-22 form in Maine.
Ultimately, it’s up to the DMV if you need to go through the SR-22 process. It’s handled on a case-by-case basis. If you are ordered to get one, you’ll usually need SR-22 insurance for three years.

How do you get an SR-22 in Maine?

Getting SR-22 insurance in Maine isn’t hard—when you receive official notice from the Bureau of Motor Vehicles that you’ll need an SR-22, reach out to your provider. In Maine, they’re required to complete the process for you—as long as they deem that you’re safe enough to stay on the road.
There are a few extra technicalities to keep in mind, though. License suspensions or revocations sometimes come as a result of criminal charges, so you should be prudent and clean up whatever legal issues you have to go through first. You might also have to pay a license reinstatement fee.
Some insurance providers simply don’t accept SR-22s, either. They might deem you too big of a risk, or just not make them available as company policy.
Either way, your best bet is to shop around using Jerry and see what kind of deal you might be able to get!
Key Takeaway Your insurance provider will file an SR-22 for you in Maine, but you might have to try Jerry to find a new provider if your original insurer won’t cover you.

How much does an SR-22 cost in Maine?

Filing an SR-22 in Maine usually costs between $15-25. The exact figure depends on the state and the provider.
However, there are other costs to keep in mind. Some states ask for pricey driver’s license reinstatement fees—sometimes more than $100. Furthermore, there are the fines and legal fees that might come along with a conviction for a criminal offense.
Your insurance premiums might change significantly, too. Average yearly costs for SR-22 holders tend to be higher than for those with relatively clean driving records. You’ll also lose any good driver perks or discounts you may have racked up.
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How does an SR-22 impact your insurance in Maine?

The more blemishes there are on your license, the more likely your insurer will deem you high-risk, potentially leading to higher insurance costs.
A conviction for a moving violation is one of the worst things that can happen to your insurance rates. And the other reasons for needing an SR-22, such as racking up too many demerit points, don’t look too great either.
It’s good that your insurer might be able to get you back behind a wheel, but it’ll come at a significant premium increase. The exact figure will vary, but some states see a hike of up to 50% or more.
You may have to purchase a new insurance package altogether. Some companies simply don’t offer SR-22s, especially if you’re considered a major risk. Should that happen, sign up for Jerry and get the best deal for you.
There is some good news, though! If you follow the rules and maintain a clean driving record for the duration of your SR-22 probation period, you will be allowed to drive relatively normally once it expires. This should bring your premiums back to standard pre-SR-22 levels.

How to find cheap car insurance

SR-22s aren’t great for your driving record or bank account. But they’re not the end of the world, either. You can still find a good car insurance package at a price that suits you. To find the best deal, try Jerry.
If you’re shopping for car insurance, Jerry will generate competitive quotes from top providers in less than a minute. Jerry gathers your information from your past insurer, so you’re not responsible for any long forms or phone calls. Basically, you get all of the savings and coverage, with none of the hassle.
“Wow—just tried Jerry for kicks after being frustrated with my current insurance company who I’ve been loyal to with little to show for it. Within minutes I had quotes, made adjustments, and initiated a request for a final price. Within the half hour, they handled canceling my last policy and had me set up with my new policy. Saving almost $1000 a year now with a better policy than before.”—Todd L.
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