Non-owner car insurance in Maine

Who provides non-owner insurance in Maine?

Rates were collected for 4 insurers, shown from the lowest price up.

Required coverage in Maine, item by item

What a Maine auto policy must include, as stated in Title 29-A, section 1605:

• Per-person injury coverage of $50,000, with a total cap of $100,000 if one crash injures multiple people.
• Property damage coverage of $25,000.
• Medical payments of $2,000, which help cover health costs after an accident.
• Towing and storage coverage of $500.

The Bureau of Insurance page about required coverage says you may also meet the liability requirement with one combined limit of $125,000. The limits for uninsured motorist coverage, which pays when the at-fault driver lacks insurance, must match yours at $50,000 and $100,000.

Who is required to carry an SR-22 in Maine, and for what period?

Maine mandates a strong minimum: every policy includes $50,000 of injury protection per person and $2,000 in medical payments. The SR-22 term starts only after your driving privilege is restored, and it continues for at least three years.

The Bureau of Insurance explains that the filing typically follows an uninsured accident or a conviction for a serious offense. According to the Bureau of Insurance auto FAQ, the filing must come from an insurer authorized in Maine.

After your license and registration are reinstated, Section 1603 keeps the obligation in force for three years or more. Three years after the original demand, the Secretary of State may choose to waive it. An OUI (operating under the influence) within the past ten years stops reinstatement until the filing is satisfied, per section 2487.

If you own no car, a non-owner policy can satisfy the SR-22 requirement. To get filings accepted faster, insurers are asked by the BMV financial responsibility page to submit them through Tyler Insurance Filings.

Submitting the fee and awaiting confirmation from the Secretary of State

To end most Maine suspensions, you must first pay a $50 reinstatement fee, as required by section 2486. Paying online carries an added $5 processing charge. The BMV online payment service states clearly that making the payment does not restore your driving privilege on its own. Your driving privilege returns after you receive a written notice from the Secretary of State.

You can pay through the website, by telephone, or face‑to‑face at a branch location. According to the state BMV page on suspensions and revocations, mobile service units do not handle that payment. A duplicate of the notice that established your requirement is available for $5.

Do not get behind the wheel until that notice is in your hands. Section 1605 makes it a Class D crime to drive without the needed proof. Under the same provision, you may also receive a restricted license from the Secretary of State as long as your proof remains valid.

What you pay in Maine by age

A teenager can expect to spend roughly $908 each year. A 40‑year‑old driver pays an average of $469 a year for minimum coverage on an owned car, about $198 above the $271 non‑owner rate.