Maine Auto Insurance for License Reinstatement
Maine requires 50/100/25 liability coverage and is an at-fault state.
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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
State Requirements
Maine operates under a traditional tort liability system, meaning the at-fault driver is responsible for damages. All drivers must maintain proof of insurance at all times, and Maine's Bureau of Motor Vehicles can suspend your registration immediately if coverage lapses.
Bodily Injury Liability
Property Damage Liability
Uninsured Motorist Coverage
Medical Payments Coverage
Cost Overview
$175–$306/mo
Typical monthly rate in Maine, high-risk drivers after a DUI
Rate data: ValuePenguin and Insurify, 2026
Line Up Coverage Before Your License Comes Back
Get Back on the RoadIf 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
Do I need SR-22 to reinstate my license in Maine?
SR-22 is required in Maine for OUI/DUI suspensions, driving without insurance convictions, reckless driving, and some habitual offender designations. Administrative suspensions for unpaid tickets, child support arrears, or failure to appear do not require SR-22 — only proof of insurance. You must maintain continuous SR-22 filing for 3 years after reinstatement; any coverage lapse triggers automatic re-suspension and restarts the 3-year period.
Can I get a hardship or work license in Maine while suspended?
Maine does not offer hardship or restricted licenses during suspension for OUI offenses. However, after completing 30 days of an OUI suspension, you may be eligible for a work-restricted license allowing travel only to employment, school, or medical appointments if you install an ignition interlock device. Administrative suspensions for unpaid fines generally do not qualify for any restricted driving privileges.
How long do I have to maintain SR-22 in Maine?
Maine requires 3 years of continuous SR-22 filing for OUI offenses, measured from the date of reinstatement, not the date of suspension. Any coverage lapse during this period — even one day — triggers automatic license re-suspension and restarts the full 3-year requirement. Your insurer must notify the Bureau of Motor Vehicles within 15 days of any policy cancellation or lapse.
Coverage Types
SR-22 Insurance
SR-22 is a certificate your insurer files with Maine's Bureau of Motor Vehicles proving you carry required insurance. Required for DUI/OUI suspensions, reckless driving, and driving without insurance convictions. The filing itself costs $25–$50, but high-risk premiums increase total cost significantly.
Non-Owner SR-22
Liability-only policy for suspended drivers who don't own a vehicle but need to meet reinstatement requirements. Covers you when driving borrowed or rental vehicles. Essential for satisfying SR-22 filing without paying for vehicle coverage you don't need.
Liability Insurance
Covers bodily injury and property damage you cause to others. Maine's 50/100/25 minimums are mandatory, but suspended drivers with assets should consider 100/300/50 or higher to protect against garnishment.
Uninsured Motorist Coverage
Pays your medical bills and vehicle damage when hit by an uninsured driver. Optional in Maine, but covers a real risk — 13% of Maine drivers lack insurance, with higher rates in rural counties.
Non-Standard Auto Insurance
Specialized policies for high-risk drivers including those with DUI, suspended licenses, or multiple violations. Non-standard carriers accept risks standard insurers reject, though premiums are substantially higher.