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

Maine requires SR-22 insurance for at least three years after a major driving incident.
Written by Tom Hindle
Reviewed by Kathleen Flear
background
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.

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:
If you're convicted of one of those, you’ll need your insurer to guarantee minimum liability coverage. In Maine, the requirements are:
These are
Maine's 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.
RECOMMENDED
Compare auto insurance policies
No spam or unwanted phone calls · No long forms
Find insurance savings

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 insurance 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.
Need to know: If you're required to file an SR-22 in Maine but you don't have your own car, ask your insurance company if they offer
non-owner SR-22 insurance
instead.

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 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
safe driver perks or discounts
you may have racked up.
RECOMMENDED
Compare auto insurance policies
No spam or unwanted phone calls · No long forms
Find insurance savings
"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.
RECOMMENDED
Haven’t shopped for insurance in the last six months? There might be hundreds $$$ in savings waiting for you.
avatar
Judith switched to Progressive
icon savingsSaved $725 annually
avatar
Alexander switched to Travelers
icon savingsSaved $834 annually
avatar
Annie switched to Nationwide
icon savingsSaved $668 annually
Are you overpaying for car insurance?
Compare quotes and find out in 45 seconds.
Try Jerry

Easiest way to compare and buy car insurance

√
No long forms
√
No spam or unwanted phone calls
√
Quotes from top insurance companies
Find insurance savings