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Car insurance for high risk drivers in Maine

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Drivers may have a harder time finding affordable rates for car insurance if they have tickets, at-fault accidents or a DUI conviction on their driving records. In addition, reckless or high-risk driving in Maine could lead to your license being suspended, restricted or revoked. Maine high-risk auto insurance is an alternative coverage option when traditional vehicle insurance is no longer available or affordable.

High-risk car insurance rates in Maine

The cost of your Maine vehicle insurance depends on your driving record, vehicle and level of coverage, among other things. High-risk auto insurance in Maine is generally more expensive than traditional coverage. Each carrier has its own threshold of risk when pricing your vehicle insurance. One company may provide affordable insurance for a driver with speeding tickets but hike premiums sharply after an accident or claim.

Insurance rates after a speeding ticket

Speeding tickets could increase your car insurance rates slightly or significantly, depending on the carrier. There is no formula to determine which insurance company will be cheaper after a speeding ticket. However, Bankrate’s analysis found Geico, USAA and State Farm to be the most affordable carriers on average.

Car insurance company Maine average annual premium for full coverage before a speeding ticket Maine average annual premium for full coverage after a speeding ticket % difference
Geico $578 $973 68%
USAA $718 $851 19%
State Farm $811 $945 16%

If you complete an approved traffic school course after getting a speeding ticket, you might be able to avoid an increase in your insurance rates. The eight-hour course can be completed online or in person.

Rates after an accident

In Maine, being held responsible for a car accident will likely increase your premiums more than a speeding ticket. However, high-risk auto insurance rates in Maine vary dramatically from one insurance company to the next.

Car insurance company Maine average annual premium for full coverage before an accident Maine average annual premium for full coverage after an accident % difference
Geico $578 $950 64%
USAA $718 $1,121 56%
State Farm $811 $1,049 29%

Geico car insurance may start out as the cheapest coverage for safe drivers, but a single accident could increase your premiums 64%, on average. However, Geico remains the cheapest company in Maine for drivers with an at-fault accident on their records, according to our research. Meanwhile, USAA’s rates increase an average of 56% after an accident. Finally, State Farm rates increase an average of 29% after an accident.

Insurance rates after a DUI

Driving under the influence may be the most dangerous risk a driver could take both financially and safety-wise.

Here’s how getting a DUI in Maine can impact auto insurance rates.

Car insurance company Maine average annual premium for full coverage before a DUI Maine average annual premium for full coverage after a DUI % difference
Geico $578 $1,620 180%
USAA $718 $1,526 113%
State Farm $811 $1,225 51%

Drivers convicted of a DUI in Maine will also need to ask their insurance company to file a certificate of financial responsibility (SR-22) with the DMV to legally drive.

Rates for teen drivers

Car insurance premiums for parents who add teen drivers to their policies in Maine are higher than the national average.

Car insurance company Average annual premium for full coverage
Geico $1,258
USAA $2,193
State Farm $2,361

*16-year-old on their parent’s policy

Getting quotes from multiple carriers is typically suggested as the best way to find the most affordable car insurance.

Who is a high-risk driver?

High-risk drivers come in all ages and experience levels. Insurance companies consider drivers with a DUI conviction or with more than one accident or moving violation to be high-risk. Because teen drivers do not have much driving experience, they are often considered high-risk.

Many states may suspend or revoke your license after accumulating a certain number of points. Maine could suspend your license after getting 12 points in one year. The number of points you incur after an accident ticket or DUI conviction will depend on the specifics of the incident.

How to lower your rate if you’re a high-risk driver

High-risk drivers often have limited carrier options and higher premiums. One way to offset the higher base rates is by finding ways to reduce the cost of coverage:

  • Shop around and compare multiple carriers to find the cheapest coverage based on your current needs.
  • Take advantage of as many discounts as possible. Some examples are multi-line discounts, low-mileage discounts and student discounts.
  • Complete an approved, eight-hour traffic school course to keep points off your driving record.
  • Increase your comprehensive and collision deductibles to the highest amount you can afford.

Over time, saving as little as 5-10% on your auto insurance could translate to hundreds of dollars.

Frequently asked questions

What is an SR-22?

An SR-22 is a certificate of financial responsibility that confirms you have the minimum amount of car insurance required to drive. It’s a form filed by your insurance company with the DMV on your behalf.

Do I need extra auto insurance if I’m a high-risk driver?

All Maine drivers are required to have liability insurance with minimums of $50,000 in bodily injury and death per person, $100,000 total per accident and $25,000 in property damage. Maine also requires uninsured motorist coverage, underinsured motorist coverage and medical payments coverage.

How many points do I get in Maine if I cause an accident?

The number of points assessed on your license will depend on the specifics of the crash. For example, rear-ending another driver will likely result in fewer points than hitting another vehicle while you are speeding or under the influence.


Bankrate utilizes Quadrant Information Services to analyze 2021 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Quoted rates are based on a 40-year-old male and female driver with a clean driving record, good credit and the following full coverage limits:

  • $100,000 bodily injury liability per person
  • $300,000 bodily injury liability per accident
  • $50,000 property damage liability per accident
  • $100,000 uninsured motorist bodily injury per person
  • $300,000 uninsured motorist bodily injury per accident
  • $500 collision deductible
  • $500 comprehensive deductible

To determine minimum coverage limits, Bankrate used minimum coverages that meet each state’s requirements. Our base profile drivers own a 2019 Toyota Camry, commute five days a week and drive 12,000 miles annually. These are sample rates and should only be used for comparative purposes.

Incident: Rates were calculated by evaluating our base profile with the following incidents applied: clean record (base), at-fault accident, single speeding ticket, single DUI conviction and lapse in coverage.

Written by
Cate Deventer
Insurance Writer & Editor
Cate Deventer is a writer, editor and insurance professional with over a decade of experience in the insurance industry as a licensed insurance agent.
Edited by
Insurance Editor