SR-22 Car Insurance in Maine

The Zebra
Nov. 16, 2018

If you need an SR-22 for auto insurance in Maine, don't worry. This fairly routine insurance requirement is sometimes necessary after a driving violation such as a DUI, a ticket for driving without proof of insurance, an at-fault collision, a ticket for driving with a suspended license, or accumulating too many points on your license.

Getting cheap coverage with an SR-22 in Maine might take some effort, but it could pay off in the end. The Zebra analyzed how much money a Maine SR-22 usually costs and how to get one — let's dive into the details.

Find insurance with an SR-22

Location pin icon
Your information is secure.

How much does Maine SR-22 insurance cost?

Insurance with an SR-22 in Maine will probably be expensive. This isn't a direct result of the SR-22 itself — filing fees could be as cheap as $15 to $35 — but a product of the insurance cost increases from the citation that prompted the SR-22 requirement.

Insurers charge higher-risk drivers increased rates to account for the more substantial risk of having to pay out a claim after a collision. The price increase you’ll face will depend on the number and severity of your violations — below are typical insurance prices for drivers with SR-22s in Maine.

Rating factorAverage yearly rateIncrease vs. no citations
No citations$927.02
At-fault accident (>$2,000)$1,527.00$599.98
Speeding (21-25 mph > limit)$1,140.56$213.54
Reckless driving$1,413.74$486.72
Leaving the scene of an accident$1,670.25$743.23

If you'd like to find reasonably priced car insurance with a SR-22, we are ready to help. Enter your ZIP code to receive personalized auto insurance rates from top insurers.

How to acquire an SR-22 in Maine

Currently insured?

With an active insurance policy, getting an SR-22 certificate is relatively simple. Call up your insurance company request they file a SR-22 request on your behalf. If your current auto insurance company refuses to file a request, you should shop for a new policy with a new insurance company.

For uninsured drivers:

When applying for car 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. Needing an SR-22 might disqualify you from getting coverage from some companies, while others will sell you a policy.

For non-vehicle owners:

If you don't own a vehicle, it could be more difficult to obtain an SR-22, since you typically need to show proof of insurance to get the certificate. If you don't own a vehicle, you should purchase a non-owners car insurance policy before asking for an SR-22. Non-owners car insurance should be less costly than a traditional policy since it doesn't cover physical damage to your car.


Between September and December 2017, The Zebra conducted comprehensive auto insurance pricing analysis via its proprietary quote engine, incorporating data from rating platforms and public rate filings. The Zebra examined nearly 53 million premiums to identify trends related to specific car insurance pricing factors across all U.S. ZIP codes, averaged by state, including Washington, D.C.

Learn more about SR-22 certificate requirements and how they impact car insurance rates.