Car Insurance After a DUI in Maine: Cheapest Companies & Rates (2026)
Quick Answer
A DUI in Maine increases car insurance rates by an average of 63%, raising a typical full coverage policy from $1,182/year to $1,927/year. That's an increase of $745/year ($62/month). Rates typically return to normal after 3-7 years.
✓ Updated March 2026✓ Based on state insurance filings
DUI Rate Impact in Maine
Before DUI
$99/mo
$1,182/year full coverage
After DUI (+63%)
$161/mo
$1,927/year full coverage
Cheapest Companies After DUI in Maine
| Company | Monthly | Annual | Best For |
|---|---|---|---|
| CheapestUSAA | $119/mo | $1,426/yr | Military families |
| Erie Insurance | $127/mo | $1,522/yr | Rate lock guarantee |
| GEICO | $132/mo | $1,580/yr | Clean driving record |
| Progressive | $141/mo | $1,696/yr | Telematics savings |
| State Farm | $146/mo | $1,754/yr | Good students |
| Travelers | $153/mo | $1,831/yr | Multiple discounts |
| Nationwide | $167/mo | $2,004/yr | Bundling home + auto |
| Farmers | $173/mo | $2,081/yr | Signal telematics |
| Allstate | $180/mo | $2,158/yr | Accident forgiveness |
| Liberty Mutual | $189/mo | $2,274/yr | New car replacement |
USAACheapest
Monthly
$119/mo
Annual
$1,426/yr
Best for: Military families
Erie Insurance
Monthly
$127/mo
Annual
$1,522/yr
Best for: Rate lock guarantee
GEICO
Monthly
$132/mo
Annual
$1,580/yr
Best for: Clean driving record
Progressive
Monthly
$141/mo
Annual
$1,696/yr
Best for: Telematics savings
State Farm
Monthly
$146/mo
Annual
$1,754/yr
Best for: Good students
Travelers
Monthly
$153/mo
Annual
$1,831/yr
Best for: Multiple discounts
Nationwide
Monthly
$167/mo
Annual
$2,004/yr
Best for: Bundling home + auto
Farmers
Monthly
$173/mo
Annual
$2,081/yr
Best for: Signal telematics
Allstate
Monthly
$180/mo
Annual
$2,158/yr
Best for: Accident forgiveness
Liberty Mutual
Monthly
$189/mo
Annual
$2,274/yr
Best for: New car replacement
Rates based on a 30-year-old driver with one DUI conviction, Maine, full coverage. Updated March 2026.
These are estimates based on state averages. Your exact rate depends on your specific profile.
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DUI Legal Consequences in Maine
- License suspension for 90 days to 1 year (first offense)
- Fines ranging from $500 to $5,000+
- Mandatory alcohol education or treatment program
- Possible ignition interlock device requirement
- SR-22 insurance filing required for 3 years
- Potential jail time (varies by BAC level and prior offenses)
SR-22 Insurance in Maine
An SR-22 is a certificate of financial responsibility that your insurer files with the state. It's not a type of insurance — it's proof that you carry at least the state minimum coverage.
- Filing fee: $15-50 (one-time)
- Duration: 3 years in Maine
- Lapsing your SR-22 triggers immediate license suspension
- Not all insurers offer SR-22 — Progressive, GEICO, and State Farm do
When Do Rates Return to Normal?
| Years After DUI | Estimated Monthly Rate | vs. Clean Record |
|---|---|---|
| Year 0 | $161/mo | +63% |
| Year 1 | $154/mo | +57% |
| Year 2 | $145/mo | +47% |
| Year 3 | $130/mo | +31% |
| Year 5 | $111/mo | +13% |
| Year 7 | $99/mo | Normal |