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Maine Car Insurance After Multiple Moving Violations

Maine requires 50/100/25 liability minimums — $50,000 per person, $100,000 per accident for bodily injury, $25,000 for property damage. Drivers with multiple traffic violations typically pay $140–$220/month, with rates varying by total points accumulated and the specific offenses on record.

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Updated May 2026

Minimum Coverage Requirements in Maine

Maine operates under a fault-based liability system, meaning the at-fault driver's insurance pays for damages. The state requires proof of insurance at registration, traffic stops, and after any moving violation. Maine does not use a formal point system visible to drivers, but the Bureau of Motor Vehicles tracks all moving violations and suspends licenses when multiple offenses accumulate within a 12-month period — typically 3 or more speeding tickets, or a combination of moving violations that demonstrate a pattern of unsafe driving.

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50/100 ($50,000 per person, $100,000 per accident)
Bodily Injury Liability
Covers injuries you cause to other people in an at-fault accident. Maine's $50,000 per-person minimum is lower than medical costs from a serious crash — a single broken bone with surgery and follow-up care can exceed $40,000. Drivers with multiple violations should carry at least $100,000 per person, as you remain personally liable for damages above your policy limit.
$25,000
Property Damage Liability
Covers damage to other vehicles and property you hit. Maine's $25,000 minimum barely covers a totaled mid-range SUV — modern vehicles average $30,000–$50,000 replacement cost. If you total a $45,000 vehicle with minimum coverage, you owe the remaining $20,000 out of pocket.
50/100 (must match bodily injury limits unless rejected in writing)
Uninsured Motorist Coverage
Pays your medical bills and lost wages if you're hit by an uninsured driver. Maine requires carriers to offer this at the same limits as your bodily injury coverage, and it's automatically included unless you reject it in writing at policy inception. Approximately 5% of Maine drivers carry no insurance — verbal rejection doesn't count, and the coverage remains on your policy if the rejection form isn't completed.
$2,000 (optional but commonly added)
Medical Payments Coverage
Covers immediate medical expenses for you and your passengers after an accident, regardless of fault. Maine doesn't require this coverage, but most carriers include $2,000–$5,000 automatically or recommend it as an inexpensive addition. It pays before health insurance and covers ambulance rides, emergency room visits, and follow-up treatment within one year of the accident.
State-Mandated Minimum Coverage · Maine

Maine Minimum Coverage

CoverageMinimum
Bodily Injury (per person)$50,000,000
Bodily Injury (per accident)$100,000,000
Property Damage$25,000,000

License Reinstatement Fee$50

Meeting the state minimum keeps you legal. See whether it's enough — get your Maine quote.

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How Much Does Car Insurance Cost in Maine?

Maine drivers with multiple moving violations pay significantly higher premiums than clean-record drivers. Rates depend on the specific offenses, how recently they occurred, and how many points each violation carries on your abstract — multiple speeding tickets within 12 months typically increase premiums 40–80% over base rates.

What Affects Your Rate

  • Speeding 15+ over limit: adds 25–40% to base premium in Maine, with higher increases for speeds over 25 mph above the limit.
  • Multiple tickets within 12 months: second moving violation increases rates an additional 30–50% beyond the first offense surcharge.
  • Reckless driving or excessive speed: treated as major violations in Maine, often resulting in 60–100% rate increases and requiring SR-22 filing if the offense involved injury or property damage.
  • License suspension from accumulated violations: some carriers non-renew immediately, while others allow reinstatement after proof of continuous coverage and payment of reinstatement fees.
  • Portland metro area location: rates run 15–25% higher than rural Maine due to traffic density and accident frequency.
  • Age and driving tenure: drivers under 25 with multiple violations face combined youth and risk surcharges, often doubling standard multi-violation rates.
Minimum Coverage
$140–$190/mo
State-required 50/100/25 liability only. Exposes you to significant personal liability if you cause a serious accident.
Standard Coverage
$180–$250/mo
100/300/50 liability plus collision and comprehensive with $500–$1,000 deductibles. Covers most accident scenarios without catastrophic out-of-pocket exposure.
Full Coverage
$220–$340/mo
250/500/100 liability, uninsured motorist at matching limits, collision and comprehensive with $250–$500 deductibles. Protects against both high-damage accidents and uninsured drivers.

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Coverage Types

High-Risk Auto Insurance

Coverage designed for drivers with multiple moving violations, suspended licenses, or patterns of unsafe driving. Non-standard carriers accept higher-risk profiles that standard insurers decline or non-renew.

SR-22 Insurance

Certificate of financial responsibility filed by your insurance carrier to the Maine Bureau of Motor Vehicles, proving you carry at least state-minimum coverage. Required after certain major violations.

Liability Insurance

Covers bodily injury and property damage you cause to others in an at-fault accident. The only coverage type legally required in Maine.

Uninsured Motorist Coverage

Pays your medical expenses and lost wages if you're hit by a driver with no insurance or insufficient coverage to pay your claim.

Find Your City in Maine

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Portland

urban
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Lewiston

suburban
Aerial view of autumn coastline with colorful fall foliage on rocky cliffs meeting calm gray water

Bangor

urban
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Auburn

suburban
Misty lake with fog over calm water, framed by tree branches and foreground vegetation

Augusta

urban

Frequently Asked Questions

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