How to file for SR-22 insurance in Maine | finder.com

How to file for SR-22 insurance in Maine

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If you get in trouble behind the wheel in Maine you could be ordered by the court to file for an SR-22.

Though it’s commonly called SR-22 insurance, an SR-22 isn’t insurance at all. Instead, it’s a document your insurance company files with the state to prove you’re covered by the minimum car insurance required to legally drive.

Here’s a look at how you can get and maintain an SR-22 in Maine.

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Compare Maine car insurance providers

Find the best rates from insurance providers in Maine. Learn more about state minimums and other requirements in the comprehensive guide to Maine car insurance.

Name Product Roadside assistance New car protection Available states
Allstate
Included free
Yes, cars under 2 years old
All 50 states
Enjoy having your own dedicated agent to help you get the best discounts and coverage.
Liberty Mutual
Included free
Yes, cars under 1 year old & 15,000 miles
All 50 states
Car insurance through Liberty Mutual will give coverage options for almost any situation.
Root
Included free
No
AZ, AR, DE, IL, IN, IA, KY, LA, MD, MI, MS, MT, NM, ND, OH, OK, OR, PA, TX, UT
Root offers simple, affordable insurance that’s ideal for good drivers. Try the Root app for 2 weeks and see how much you could save. Available in 20 states.
Esurance
Optional
Yes, cars under 1 year old & 15,000 miles
All states except AK, DE, HI, MT, NH, VT, WY
Esurance offers a modern online and mobile experience that helps you take your insurance on the go. Available in 42 states.
Metromile
Optional
Yes, cars under 1 year old & 15,000 miles
CA, IL, NJ, OR, PA, VA, WA
Drive less than 30 miles a day? Save on the coverage you need with pay-per-mile insurance from Metromile. Get a low monthly rate then pay just a few cents per mile. Available in CA, IL, NJ, OR, PA, VA and WA.
USAA
Included free
No
All 50 states
USAA offers affordable car insurance with highly rated customer service to millions of military members and their families. Only available to military members, veterans and affiliated military members.

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Do I need SR-22 insurance?

Your state DMV will let you know if you need to file an SR-22. In Maine, you may need to file for an SR-22 if:

  • You’re convicted of a DUI or reckless driving.
  • You’re caught driving without insurance.
  • Your license is suspended or revoked.
  • A judge orders a mandatory insurance supervision.

What if I don’t have a car or license?

You’ll likely need to file for an SR-22 to legally get behind the wheel in Maine even if you don’t own a car. If you lose your license because you’re caught driving without insurance, the state could order you to carry non-owner insurance to reinstate your license.

What if I’m from another state?

If you have an SR-22 from another state, you’re required to maintain it while driving in Maine. Your SR-22 is likely to be sufficient in Maine as long as your provider is licensed to do business in the state, but it’s best to verify coverage with the Maine Bureau of Motor Vehicles (BMV) and your insurer.

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How much does an SR-22 cost?

Once you’ve purchased or renewed a policy, most providers will file an SR-22 for a fee of $20 to $50. But it’s not necessarily the fee that’s most costly when you’re in need of an SR-22. You’ll also typically see higher premiums than you’re used to.

The impact of an SR-22 on your car insurance rates

SR-22s are often required after a driving conviction, such as driving without insurance or a DUI. After such a conviction you’re considered a “high risk” driver by the state and most providers.

Ask your provider how much you can expect your rates to increase. And make sure you understand your role in maintaining your insurance and your SR-22. A lapse or nonrenewal could set you back a lot of money and time.

Companies that offer SR-22 car insurance in Maine

Not every insurer offers SR-22 filing support. Compare cheap rates from Maine insurance companies that offer SR-22 insurance. Your actual quotes will vary based on your demographics, location, driving record and other factors.

Rates last updated September 18th, 2018
Company Median annual rate Learn more
Allstate $614 Read review
State Farm $152 Read review
Geico $377 Read review
Travelers $764 Read review
USAA $608 Read review
Average $503 Compare more reviews

How do I file an SR-22 in Maine?

  1. Find an insurer. Ask your insurer if it’s authorized to issue SR-22s in the state of Maine. If not, find a provider that is.
  2. Pay the SR-22 fee. To finalize your SR-22, you’ll pay a processing fee to your insurer.
  3. Verify minimum liability coverage. If you’re already insured, call your provider to verify your policy includes at least:
    • $50,000 for injury or death to one person.
    • $100,000 for injury or death to more than one person.
    • $25,000 for damage to property.

    These are the minimum coverage requirements for the state of Maine. You may see this coverage listed as 50/100/25 in insurance documents.

  4. Submit your SR-22. Your insurance agent will file your SR-22 with the Maine Secretary of State. Verify with the office that it’s done so.
  5. Wait for confirmation. You’ll receive a letter from your insurer and the Maine Secretary of State that your SR-22 is accepted.

Find out how to get an SR-22 with top car insurance providers

How long will I need an SR-22?

In Maine, most court-ordered SR-22s result in a coverage requirement of three years.

What happens if I let my SR-22 lapse?

A lapse can happen for a number of reasons. Switching to a new insurance and not having it certify your coverage before your old policy ends, your insurer cancelling coverage due to continually late payments and failing to renew within 15 days of expiration are all reasons for a potential gap in coverage.

When you have a lapse in coverage, your insurer notifies the state. From there your license and registrations can be suspended until your SR-22 insurance is renewed.

What happens when I don’t need SR-22 coverage anymore?

It’s a great feeling to finally be free of an SR-22 filing period. Before you cancel your current plan, it’s a good idea to confirm with the BMV that you’re clear to do so. You can then contact your insurer and go about changing your policy as you choose.

Bottom line

A fair amount of work goes into maintaining your SR-22 certification. Keep up on payments, renew early and drive safely to keep the SR-22 period as short as possible, and to avoid additional fees.

Trying to find car insurance isn’t the most exciting activity, but it’s especially important to shop around when you have a mark on your record. Compare your options so that you can get the plan that best fits your budget and needs.

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