SR-22 insurance in Maine
What Maine requires after a DUI, a lapse or driving uninsured, how long the filing lasts, what it costs the state, whether a non-owner filing works, and which companies in Maine write the policies that carry it, from the state's own pages and the insurance company directory.
Maine uses the SR-22 filing. Who needs it: An accident with no insurance, adjudication for driving uninsured, a serious violation conviction, a second OUI within 10 years, and unpaid accident judgments. How long: At least 3 years after reinstatement; the state may waive it 3 years after the demand. The insurer files it electronically with the state once the policy is bound; a non-standard auto policy with the filing is often cheaper than people expect. 0 companies write personal auto in Maine; the ones used to filings are tagged below.
By Sam Alishahi, independent insurance broker · Every state
What Maine requires
From Maine Bureau of Motor Vehicles (Secretary of State); sources at the bottom.
| Filing | SR-22 |
|---|---|
| Who needs it | An accident with no insurance, adjudication for driving uninsured, a serious violation conviction, a second OUI within 10 years, and unpaid accident judgments. |
| How long | At least 3 years after reinstatement; the state may waive it 3 years after the demand. |
| State fees | No state SR-22 filing fee; insurer charges vary. License reinstatement fee: $50 for any suspension, plus a $5 processing fee to pay online. |
| Non-owner filing | Probably accepted, but no BMV page says so. State law recognizes an operator's policy; Maine accepts SR-22s only from Maine-licensed insurers. |
| How it's filed | Your Maine-licensed insurer files the SR-22 electronically (tylerinsurancefilings.com) or by fax to the BMV. |
| If the policy cancels | Your insurer files an SR-26 with 10 days' notice, and your suspension returns until proof is given. Driving without required proof is a Class D crime. Whether the 3 years restart: not stated. |
| Minimum liability limits | 50/100/25 (bodily injury per person / per accident / property damage), plus $2,000 medical payments and $500 towing. |
| Who handles it | Maine Bureau of Motor Vehicles (Secretary of State) |
How to get it today
- Send the quote request with the reason for the filing (DUI, lapse, uninsured accident) and the date the state gave you; that goes to the companies above that take it.
- Bind the policy; the insurer sends the SR-22 to the state electronically the same day in most cases.
- Keep the policy paid for the whole period: a cancellation is reported to the state and usually restarts the suspension.
I'm licensed in 48 states and Washington, DC and your request stays with my agency, not passed to another agent. In Florida and Washington, where my licenses are still being issued, a partner agency in your state helps in the meantime.
Questions people ask
How long do I need an SR-22 in Maine?
At least 3 years after reinstatement; the state may waive it 3 years after the demand.
Who needs an SR-22 in Maine?
An accident with no insurance, adjudication for driving uninsured, a serious violation conviction, a second OUI within 10 years, and unpaid accident judgments.
Can I get a non-owner SR-22 in Maine?
Probably accepted, but no BMV page says so. State law recognizes an operator's policy; Maine accepts SR-22s only from Maine-licensed insurers.
What happens if my policy cancels during the SR-22 period?
Your insurer files an SR-26 with 10 days' notice, and your suspension returns until proof is given. Driving without required proof is a Class D crime. Whether the 3 years restart: not stated.
Sources
- https://www.maine.gov/sos/bmv/driver-licenses-and-ids/license-suspended/financial-responsibility
- https://www.maine.gov/sos/news/financial-responsibility-filings-bmv-can-now-be-submitted-online
- https://www.maine.gov/pfr/insurance/frequently-asked-questions/auto-insurance
- https://www.maine.gov/sos/bmv/driver-licenses-and-ids/license-suspended/license-suspensions-revocations
- https://legislature.maine.gov/statutes/29-A/title29-Asec1601.html
- https://legislature.maine.gov/statutes/29-A/title29-Asec1603.html
Send it once. It gets filed.
A few minutes to request the quote; the companies that file SR-22 answer by email, and the filing goes to the state when you bind.
Get a reminder before your renewal.
Tell me when your policy renews and I’ll email you about six weeks before, when it’s worth comparing. One email, no calls.