Restricted License Insurance — Maine
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
Minimum Coverage Requirements in Maine
Maine operates under a tort-based liability system and requires continuous proof of insurance for all licensed drivers, including those on restricted licenses. The Maine Bureau of Motor Vehicles administers restricted license programs following suspension, typically requiring SR-22 filing for three years. Maine law mandates higher-than-average bodily injury minimums compared to most states, which increases baseline premium costs for restricted license holders.
Bodily Injury Liability
Property Damage Liability
SR-22 Certificate of Financial Responsibility
Uninsured Motorist Coverage
Medical Payments Coverage
What Drivers Pay in Maine
$175–$306/mo
Typical monthly rate in Maine, high-risk drivers after a DUI
Rate data: ValuePenguin and Insurify, 2026
What Affects Your Rate
- Vehicle age and value impact collision/comprehensive pricing but not liability — a 2015 sedan and a 2023 truck pay nearly identical liability premiums under Maine's restricted license underwriting, with the difference appearing only in physical damage coverage.
Get Insured on Your Restricted License
Get My Restricted License Insurance QuoteIf 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
How long does SR-22 filing last after a restricted license in Maine?
Maine requires SR-22 filing for three years from the date the Bureau of Motor Vehicles approves your restricted license, not from the original suspension date. The three-year clock resets to zero if your SR-22 lapses for any reason during the filing period. Most restricted license holders must maintain continuous SR-22 coverage for 36 consecutive months before the BMV removes the filing requirement, which typically extends 6–12 months beyond the restricted license period itself.
Can I get a restricted license in Maine immediately after a DUI suspension?
Maine does not allow restricted licenses during the initial hard suspension period, which lasts 150 days for a first-offense DUI. After completing the 150-day hard suspension, you can apply to the Bureau of Motor Vehicles for restricted driving privileges, but approval requires completing an alcohol education program, installing an ignition interlock device if ordered by the court, and obtaining SR-22 insurance before the BMV will issue the restricted license. Total timeline from suspension to restricted license approval typically runs 6–8 months for first offenders.
Coverage Types
SR-22 Insurance
Certificate of financial responsibility filed electronically by your insurer to the Maine Bureau of Motor Vehicles. Required for most restricted license approvals and must remain active for 36 consecutive months without lapse.
Liability Insurance
Covers bodily injury and property damage you cause to others. Maine requires 50/100/25 minimums, which is higher than most states and cannot be reduced while holding a restricted license.
Non-Owner SR-22 Insurance
Provides liability coverage and SR-22 filing for drivers who don't own a vehicle but need to maintain restricted license eligibility. Covers you when driving borrowed or rental vehicles.
Uninsured Motorist Coverage
Protects you if you're injured by a driver with no insurance. Maine requires insurers to offer this coverage at your liability limits, but you can decline it in writing.
Collision Coverage
Pays to repair or replace your vehicle after a crash, regardless of fault. Required by lenders if you finance or lease your vehicle, and must be maintained continuously during the loan term.
Comprehensive Coverage
Covers non-collision damage including theft, vandalism, weather, and animal strikes. Maine drivers file comprehensive claims at above-average rates due to deer collisions and winter storm damage.