The State of Maine requires certain drivers (e.g., those who have been caught without insurance or those convicted of a serious violation such as OUI) to carry SR22 insurance. If you have an SR22 requirement, but you do not own a vehicle, you will need to purchase an operator's or non-owner SR22 insurance policy.
A non-owner SR22 policy protects its holder against damages to other drivers and their vehicles. For example, if you hold a non-owner SR22 policy and you get into an accident while driving another person's vehicle, you will be insured for the damages done to other people involved in the accident, as well as their vehicles. However, you will not be insured for damages done to your person or the vehicle you were driving.
The State of Maine grants early driver's license reinstatement to qualifying drivers if they install an ignition interlock device in their vehicle(s). If you choose to participate in this program, you will likely need to own a vehicle, in which case, you would need to carry an owner's SR22 insurance policy.
If you move away from Maine, and want to get a driver's license in another state, you will still need to keep your non-owner's SR22 on file in Maine for the remainder of your requirement.
SR22 insurance, even non-owner SR22 insurance, can be expensive, so you will want to do whatever you can to cut down on the cost. We can help with that. Our insurance companies have partnered with us to bring you the best rates possible.
Remember that your Maine non-owner SR22 insurance must be provided by a company that is licensed to sell insurance in Maine. You can find those by entering your Maine zip code here and filling out the brief quote form on the following page:
For More Information:
For more information, contact the Bureau of Motor Vehicles, Financial Responsibility Unit, at 207-624-9000 ex. 52108 or firstname.lastname@example.org.
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