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.
MAINE INSURANCE RATES AFTER COMMON CITATIONS
|High-risk rating factor||Average annual rate||Increase vs. clean record|
|At-fault collision (>$2,000)||$1,389||$453|
|Speeding (21-25 mph > limit)||$1,162||$226|
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 driversIf 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 driversWhen 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 ownerNot owning a vehicle makes it tougher to get an SR-22, since you typically 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.
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.