Cheapest SR-22 insurance in Maine

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In Maine, the cheapest SR-22 insurance comes from GEICO at $1,391 per year, followed by Allstate at $1,926. Your rate will depend on your driving history, where you live, and which insurer you go with.

An SR-22 isn’t a type of insurance. It’s a form your insurer files with the state to confirm you’re carrying the minimum required coverage, usually after a DUI, reckless driving, or driving without insurance. Because SR-22 drivers are seen as higher risk, premiums tend to run higher than standard rates.

An SR-22 needs to stay on file for around three years, though the exact duration depends on your state and the nature of the violation. Your rates will likely increase immediately after the incident, but keeping a clean record from that point forward will help bring them back down over time. In the meantime, shopping around can help make sure you’re not paying more than necessary.

How to keep your costs down during your SR-22 period

Compare at least three quotes before you commit. SR-22 surcharges vary widely between insurers, so the first quote you get is rarely the cheapest.
Ask each company how long the surcharge lasts. Some drop the high-risk rate sooner than others, which can matter more than the starting price.
Keep your record clean from here. Avoiding new violations is the single biggest thing that lowers your rate over time.
Don’t let the policy lapse. A gap in coverage can reset your filing period and signal even higher risk to insurers.
Confirm your insurer actually filed the form. You’re responsible for staying compliant, so verify the SR-22 is on file with the state before you assume you’re covered

What is an SR-22?

An SR-22 is a document your insurance company files with the state to show you have the minimum coverage required to legally drive. It’s typically required after violations like a DUI, DWI, reckless driving, or driving without insurance.

An SR-22 isn’t an insurance policy – it’s a form your insurer submits to the state confirming you meet the minimum coverage requirements. Because needing one flags you as a higher-risk driver, you can expect your premiums to rise, and some insurers may decline to cover you altogether.

How does SR-22 insurance work in Maine?

The average cost of SR-22 insurance in Maine is $2,234 per year
For the most affordable SR-22 coverage in Maine, GEICO comes in at $1,391 annually
An SR-22 is a document filed with the state that verifies you carry the minimum required car insurance coverage

When do you need an SR-22 in Maine?

You may need an SR-22 in Maine after a serious driving violation or if your license has been suspended or revoked. It’s your insurer’s way of confirming to the DMV that you’re meeting the state’s minimum coverage requirements.

Common reasons you might need one include:

DUI, DWI or other serious moving violations
Reckless driving
Accidents resulting in suspension or revocation
Accumulation of too many driving violation points
Driving without insurance

If you’re convicted of one of these offenses, you’ll need to buy a qualifying insurance policy and ask your insurer to file the SR-22 form with the DMV on your behalf.

What happens if you don’t maintain SR-22 coverage?

Most drivers need to keep an SR-22 on file for about three years, depending on state requirements and the reason for the filing. During that time, your insurance coverage must remain active without any lapses. If your policy is canceled or expires, your insurer will notify the DMV, which can lead to penalties like license suspension, reinstatement fees or an extension of your SR-22 requirement

In many states, any gap in coverage restarts the three-year filing period from scratch – so a lapse halfway through means starting the clock over entirely. It also works against you when you go to re-insure, as a coverage gap signals greater risk to insurers, which can push your premiums higher and narrow the number of carriers willing to take you on.

How much does an SR-22 insurance cost in Maine?

The average SR-22 car insurance rate in Maine is $2,234 per year. That’s $478 more than in Vermont, which has the lowest SR-22 rates in the country, but $3,852 less than in Michigan, the most expensive state for SR-22 coverage.

Your actual rate will depend on why you need the SR-22, your overall driving record, and your location.

A DUI carries a much more dramatic surcharge than a lapse in coverage, and a city with higher accident and theft rates will cost more than a quieter rural area. Because those factors differ so much from driver to driver, the only reliable way to find your lowest rate is to compare quotes from several insurers.

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Cheapest SR-22 insurance companies in Maine

GEICO offers the cheapest SR-22 insurance in Maine at $1,391 per year. While SR-22 insurance is usually more expensive than standard coverage, rates can vary significantly between insurers.

The companies below offer some of the cheapest SR-22 insurance rates in Maine.

Company	Average annual premium	Average monthly premium
GEICO	$1,391	$116
Allstate	$1,926	$161
Progressive	$2,062	$172
State Farm	$2,821	$235
Farmers	$3,893	$324

Which cities have the cheapest SR-22 insurance in Maine?

Your city or ZIP code can have a considerable amount of impact on your SR-22 rate. Here’s how costs break down across major cities in Maine.

City	Average annual premium
Auburn	$2,176
Augusta	$2,175
Bangor	$2,130
Biddeford	$2,000
Lewiston	$2,232
Portland	$2,025
Saco	$2,016
Sanford	$2,130
South Portland	$1,977
Westbrook	$1,963

Will my SR-22 costs go down over time?

Your rates may drop after the SR-22 requirement ends, but they likely won’t return to pre-violation levels right away
The underlying violation can stay on your driving record for 3 to 5 years, or longer for serious offenses like a DUI
Once your SR-22 period ends, contact your insurer and provide DMV confirmation if required
Keeping a clean driving record and comparing quotes at renewal can help lower your rates over time

What are the minimum SR-22 insurance requirements in Maine?

The Maine DMV mandates all drivers in Maine to have the following minimum car insurance coverage:

$50,000 for injury or death per person
$100,000 for injury or death per accident
$25,000 for property damage per accident

State minimum coverage keeps you legal on the road, but it may not be enough to fully protect you in a costly at-fault accident. Higher coverage means a higher premium, but it also means you’re not paying out of pocket for damages that exceed your limits.

How much does SR-22 in Maine cost with a DUI?

A DUI generally leads to a significant jump in SR-22 premiums, though the exact increase depends on your insurer. The table below shows annual SR-22 rates for drivers with a DUI in Maine.

This table shows two different costs:

SR-22 with one DUI – the estimated annual cost if your SR-22 filing is the result of a DUI conviction, factoring in the rate increase insurers apply after a DUI.
SR-22 filing only – your standard premium plus the SR-22 filing fee, with no DUI on record. If your filing is tied to a different violation, this column gives you a better estimate of what the SR-22 itself adds to your cost.

Company	SR-22 with 1 DUI	SR-22 filing Only
Allstate	$2,879	$1,926
Auto-Owners	$2,745	NA
Farmers	$8,463	$3,893
GEICO	$3,570	$1,391
MMG Insurance	$3,481	NA
Progressive	$2,629	$2,062
State Farm	$3,051	$2,821
Travelers	$1,578	NA

How to get the cheapest SR-22 insurance in Maine

Filing an SR-22 itself costs very little, usually a one-time fee between $25 and $50. What drives up the real expense is the high-risk label insurers assign to drivers who require one. That’s also where you have the most opportunity to save. Getting quotes from multiple insurers, keeping your record clean, and selecting an appropriate level of coverage can all work in your favor. Premiums for high-risk drivers differ more than you might expect from one insurer to the next, making comparison shopping one of the smartest moves you can make.

Sebastian Hov, CEO of 18 Insurance, an insurance agency based in Sacramento, California, recommends the following:

Shop around. SR-22 rates vary significantly between insurance companies. Comparing quotes from several providers is the best way to find a good deal.
Pay upfront. Paying your full annual premium at once can be cheaper overall than spreading payments across monthly installments.
Opt for non-owner insurance. If you need SR-22 coverage but don’t own a car, a non-owner policy generally runs 5% to 15% less than a standard policy.

Compare insurers that specialize in high-risk drivers

Not every insurer treats SR-22 drivers the same way. Some specialize in high-risk coverage and can offer considerably lower rates than standard carriers. Getting quotes from at least three companies gives you a realistic picture of what you should actually be paying.

Can you get an SR-22 without owning a car?

If you need an SR-22 but don’t own a vehicle, non-owner SR-22 insurance lets you meet the requirement. It covers the minimum liability needed when you’re behind the wheel of someone else’s car and can help you reinstate your license after violations like a DUI or repeated traffic offenses. Since there’s no vehicle attached to the policy, it tends to cost less than a standard auto policy.

This situation comes up more often than people expect. Many drivers need to show proof of insurance to get their license reinstated after a violation, even when they don’t own a car. Non-owner SR-22 insurance exists precisely for that scenario.

Is SR-22 insurance expensive in Maine?

Because an SR-22 requirement follows a serious violation like a DUI, reckless driving, or a lapse in coverage, insurers classify these drivers as high-risk and price their premiums accordingly.

That being said, rates can vary significantly from one insurer to the next, so comparing quotes is one of the most effective ways to manage your cost. A few other ways to keep premiums down:

Reduce your mileage where possible. Relying more on public transit or carpooling could qualify you for pay-per-mile or low-mileage discounts.
Take advantage of every discount available. Bundling policies, opting for autopay, and completing a defensive driving course are all common ways to lower your rate.
Stay clean from this point forward. It’s the single most impactful thing you can do. A DUI can remain on your record for up to 10 years in many states, but a consistent period of clean driving is what will actually move your premiums in the right direction.

Frequently asked questions

Can you get SR-22 insurance without owning a car?

Yes. Non-owner SR-22 insurance is available for drivers who don’t own a vehicle but still need to meet state insurance requirements. It provides liability coverage when driving someone else’s car and is usually cheaper than a standard policy.

What happens if your SR-22 insurance lapses?

If your SR-22 coverage lapses or your policy is canceled, your insurance company will notify the state DMV. This can lead to penalties such as license suspension, reinstatement fees or an extension of your SR-22 requirement period.

Can you switch insurance companies while you have an SR-22?

Yes, you can change insurers while maintaining an SR-22. Your new insurance company must file a new SR-22 with the state before your old policy is canceled to avoid a lapse in coverage.

What our expert says

Q: How can you save on SR-22 insurance?

Sebastian HovCEO, 18 Insurance.

“Shop around: Different insurance companies offer varying rates for SR-22 insurance. It’s crucial to compare quotes from multiple providers to find the best option.”

Resources and Methodology

Sources:

Shouse Law Group. “SR22 Maine.” Accessed August 2026.
Progressive Insurance. “What is an SR-22?” Accessed August 2026.

Methodology

Insure.com gathered rates from Quadrant Information Services for all 51 states, including Washington, D.C., across two distinct driver scenarios to analyze auto insurance rates across the U.S.

Your zip rate is based on a sample driving profile of a 40-year-old male and female with a good insurance score and no violations, driving a Honda Accord LX with a 12-mile commute and 10,000 annual mileage. Drivers opt for a full-coverage policy with coverage limits of 100/300/100 and a $500 comprehensive and collision deductible. We analyzed 65,756,440 insurance quotes from 195 companies (73 company groups) across 29,159 cities and 34,595 ZIP codes. The national average annual premium is $2,578.

After a violation, the data reflects the same base driving profile – a 40-year-old male and female driving a Honda Accord LX with a 12-mile commute and 10,000 annual mileage, opting for a full-coverage policy with 100/300/100 limits and a $500 comprehensive and collision deductible; but for drivers with a violation on their record and an SR-22 filing requirement. For these rates, we analyzed 95,071,152 insurance quotes from 131 companies (41 company groups).

Read more about our research standards and methodology.

Alisha Ambre

Alisha Ambre holds a Bachelor of Arts with honours in English Literature and Media Studies. She focuses on crafting clear, engaging content that makes complex information feel practical and approachable for everyday readers. When she’s not writing, she’s likely on the volleyball court or immersed in a good video game.