SR-22 Car Insurance in Maine

If you need an SR-22 certificate to obtain auto insurance in Maine, you aren't alone. This relatively common legal requirement is triggered by a citation like a DUI conviction, a citation for driving without insurance, an at-fault accident with substantial property damage, driving with a suspended license, or accuring too many points on your license.

Finding inexpensive coverage with a SR-22 in Maine might take some effort, but it could pay off. The Zebra explored how much money a SR-22 usually costs in Maine and how to go about getting one — let's dive into the details.

How much does Maine SR-22 insurance cost?

SR-22 insurance in Maine is often expensive. This isn't a direct cost of the SR-22 — filing fees are $15 to $35 — but a product of the insurance rate increases initiated by the issue that necessitated the SR-22.

Insurers charge high-risk clients steeper rates to account for the increased risk of a claim payout. The price increase you could receive will depend on the number and severity of the violations — below are standard car insurance premiums with an SR-22 in Maine.

High-risk rating factorAverage annual rateIncrease vs. clean record
No citations$935
At-fault collision (>$2,000)$1,389$453
Speeding (21-25 mph > limit)$1,162$226
Reckless driving$1,404$468

If you're seeking reasonably priced auto insurance after obtaining a SR-22, The Zebra is here to help. Enter your ZIP code to find personalized auto insurance quotes from popular companies.

How to obtain an SR-22 in Maine

For currently insured drivers

If you currently have auto insurance, getting an SR-22 certificate should be simple. Contact your insurer request they file a SR-22 request for you. If your insurance company isn’t willing to request an SR-22 certificate, you’ll need to shop for a new policy with a new insurance company.

Uninsured drivers

When applying for auto insurance, you may need to pay extra to have your prospective insurer file an SR-22 request for you and to cover your high-risk driving profile. An SR-22 requirement might disqualify you from purchasing insurance from some companies, while others would be happy to cover you.

If you aren't a vehicle owner

Needing an SR-22 might disqualify you from purchasing insurance from some companies, while others would be happy to sell you a policy.

For drivers without a vehicle

Not owning a vehicle makes it even more difficult to obtain an SR-22, as you will need to show proof of insurance to receive the certificate. In this scenario, you should apply for a non-owners auto insurance policy before asking for an SR-22. Non-owners car insurance is typically cheaper than a standard policy since it doesn't insure against physical damages sustained by your automobile.

Our methodology

we conducted comprehensive auto insurance pricing analysis through its proprietary quote engine, incorporating data from rating systems and public rate filings. The Zebra assessed nearly 53 million rates to examine trends for specific car insurance pricing factors across all United States ZIP codes, averaged by state, including Washington, D.C.

Learn more about SR-22 certificate requirements and their effect on auto insurance rates.

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Ross MartinManager, Content Quality

As a licensed insurance agent, Ross researches and writes insurance content intended to help users make informed decisions.

Ross's background is in writing and education. He holds a master's degree from Royal Holloway, University of London.

Ross's work has been cited by The New York Times, Investopedia, The Simple DollarThe BalanceCar and Driver and Fox Business. He has been quoted by CNET, I Drive Safely and Kin Insurance