Maine Car Insurance After License Reinstatement
Maine requires 50/100/25 liability coverage and is an at-fault state.
Free to compare
Maine at a Glance
50/100/25
Minimum liability limits, in thousands of dollars (per person / per accident / property)
At-fault
The at-fault driver's insurance pays for the damage they cause
Required
PIP and Uninsured motorist coverage must be on every policy
$50
State license reinstatement fee
Source: state DMV, insurance department and statute records, verified July 2026
Minimum Coverage Requirements in Maine
Maine operates under a traditional tort liability system—the at-fault driver's insurance pays for injuries and property damage. The state requires proof of financial responsibility at registration and after any suspension. If your license was suspended for DUI, accumulating points, or driving uninsured, you must file SR-22 proof with the Maine Bureau of Motor Vehicles before reinstatement is complete.
Bodily Injury Liability
Property Damage Liability
SR-22 Certificate of Insurance
Uninsured Motorist Coverage
Medical Payments Coverage
What Drivers Pay in Maine
$175–$306/mo
Typical monthly rate in Maine, high-risk drivers after a DUI
Rate data: ValuePenguin and Insurify, 2026
Have Your Proof of Insurance Ready to Reinstate
Get My Post-Reinstatement QuoteIf your license is suspended
Work-Restricted Drivers License
A restricted license is available while suspended.
Source: state DMV, insurance department and statute records, verified July 2026
Frequently Asked Questions
How long do I need SR-22 filing in Maine after a DUI?
Maine requires 3 years of continuous SR-22 filing after a DUI conviction—the clock starts the day your carrier submits the initial SR-22 to the Bureau of Motor Vehicles, not your conviction date. If your policy lapses at any point during the 3-year period, your carrier notifies the BMV within 10 days and your license is re-suspended immediately. You must restart the 3-year filing clock from the date you file a new SR-22.
What happens if my SR-22 insurance lapses in Maine?
Your carrier notifies the Maine Bureau of Motor Vehicles within 10 days of any policy cancellation or lapse. The BMV immediately re-suspends your license and you must pay a new reinstatement fee, purchase a new policy, and file a new SR-22 before driving privileges are restored. The SR-22 filing period clock resets to zero—if you lapse during year 2 of a 3-year requirement, you start a new 3-year period from the date of the new filing.
Coverage Types
Post-Reinstatement SR-22 Insurance
SR-22 is the proof-of-insurance filing Maine requires after DUI, major violations, or uninsured driving. Your carrier files it with the BMV and monitors your policy—any lapse triggers immediate re-suspension.
Non-Owner SR-22
Provides liability coverage and SR-22 filing when you don't own a vehicle. Satisfies Maine's reinstatement requirement if your car was sold, totaled, or repossessed during suspension.
Full Coverage After Reinstatement
Combines liability, collision, comprehensive, and uninsured motorist coverage. Required by lenders; recommended if your vehicle is worth more than $5,000 or you can't afford to replace it out-of-pocket.
Non-Standard Auto Insurance
Specialty carriers that write policies for high-risk drivers, including those with recent suspensions, DUIs, or major violations. Premiums are higher but underwriting accepts risk profiles standard carriers decline.
Liability Insurance
Covers bodily injury and property damage you cause to others. Maine requires 50/100/25 minimums—$50,000 per person, $100,000 per accident for injuries, $25,000 for property damage.
Uninsured Motorist Coverage
Pays your medical bills and vehicle damage when an at-fault driver has no insurance or insufficient coverage. Maine requires carriers to offer it at the same limits as your liability policy.