Non-Owner Car Insurance
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Non-Owner Car Insurance — Maine

A Maine non-owner policy carries the state's 50/100/25 liability minimum without owning a vehicle, and can file the SR-22 the state requires after certain violations. You get bodily-injury and property-damage coverage that follows you when driving borrowed, rented, or shared cars—secondary to any policy on the vehicle itself.

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Non-Standard Auto · SR-22 · Senior · Teen Drivers

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Updated July 2026

Non-Owner Liability Requirements in Maine

Maine requires $50,000 bodily injury per person, $100,000 per accident, and $25,000 property damage—the 50/100/25 minimum a non-owner policy must carry. The state also mandates uninsured motorist coverage. Maine is a tort state, meaning the at-fault driver's liability coverage pays for injuries and damage. For drivers under court-ordered SR-22 filing after OUI or certain suspensions, a non-owner policy satisfies the requirement without owning a vehicle.

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50/100 minimum
Bodily Injury Liability
Pays medical expenses, lost wages, and legal costs when you injure someone while driving a car you don't own. Maine's 50/100 minimum means $50,000 per person injured, $100,000 per accident. A non-owner policy provides this liability floor and sits secondary to any coverage on the vehicle you're driving.
$25,000 minimum
Property Damage Liability
Covers damage you cause to another person's property—typically their vehicle—while driving a car you don't own. Maine requires $25,000 minimum. This is the only physical-damage coverage a non-owner policy provides; it never covers the car you're driving because you own no vehicle to insure.
Required in Maine
Uninsured Motorist Coverage
Protects you when hit by a driver with no insurance or insufficient coverage. Maine law mandates uninsured motorist coverage on all policies, including non-owner. This coverage follows you across any vehicle you drive and pays your medical costs and lost income when the at-fault driver cannot.
SR-22 required, 3 years for OUI
Non-Owner SR-22 Filing
Maine courts require SR-22 filing after OUI convictions and certain license suspensions. A non-owner SR-22 satisfies the requirement when you own no vehicle—your carrier files proof of liability coverage with the Maine Bureau of Motor Vehicles. Among carriers writing non-owner in Maine, Dairyland, Geico, Progressive, The General, and USAA file non-owner SR-22.
SR-22 proof required for court petition
Restricted License Insurance Requirement
Maine's court-driven restricted license process (29-A M.R.S. § 2412) requires proof of SR-22 insurance for OUI cases before a petition is viable. A non-owner SR-22 meets this requirement when you have no car to insure, allowing you to petition for work, school, and medical driving privileges after the mandatory hard suspension period.
State-Mandated Minimum Coverage · Maine

Maine Minimum Coverage

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

License Reinstatement Fee$50

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

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What Shapes Non-Owner Costs in Maine

Non-owner premiums in Maine reflect the liability minimum you carry, whether you need SR-22 filing, and your driving record. A clean-record driver maintaining coverage between cars pays less than someone filing an SR-22 after an OUI. The state's uninsured-motorist requirement adds to base cost, and carriers writing non-owner policies in Maine price the filing requirement separately.

What Affects Your Rate

  • SR-22 filing requirement after OUI or suspension raises premiums because the filing itself signals elevated risk and fewer carriers write non-owner SR-22 in Maine.
  • Driving record—OUI convictions, at-fault accidents, points from speeding or reckless driving—determines which carriers will write a non-owner policy and at what rate.
  • Coverage limits above Maine's 50/100/25 minimum increase cost but provide higher protection when you injure someone or damage property while driving a borrowed or rented car.
  • Uninsured motorist coverage is mandatory in Maine, so every non-owner policy includes it; you cannot remove it to lower cost.
  • Carrier availability: only Dairyland, Geico, Progressive, The General, and USAA write non-owner policies in Maine, and fewer still file non-owner SR-22, limiting competitive pricing.
  • The state's tort system means your liability coverage pays the other party's costs when you're at-fault, making higher limits a practical consideration for non-owner drivers who regularly borrow high-value vehicles.
Non-Owner Liability Only
50/100/25
You own no car, need continuous coverage to avoid a lapse penalty, or drive borrowed vehicles regularly. No SR-22 filing, no violation history.
Non-Owner With SR-22
3-year filing
You need SR-22 filing to satisfy a court order or reinstate a suspended license, but own no vehicle. The filing period and elevated-risk pricing apply on top of the liability minimum.
Non-Owner After Violation
OUI or suspension
Your record includes a major violation or suspension. Even without an active SR-22 requirement, carriers price the violation history into the premium.

Get non-owner SR-22 coverage without owning a vehicle

Compare carriers that offer non-owner policies with SR-22 filing — required for reinstatement in most states.

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✓ Non-Owner SR-22✓ No Obligation✓ Licensed Carriers✓ Reinstatement Ready

Coverage Types

Non-Owner Liability Insurance

Bodily-injury and property-damage coverage for drivers who own no vehicle. Pays when you injure someone or damage property while driving a borrowed, rented, or shared car.

Non-Owner SR-22 Insurance

Liability coverage with SR-22 filing for drivers under court order or license reinstatement requirement who own no car. The carrier files proof of coverage with the Maine Bureau of Motor Vehicles.

Uninsured Motorist Coverage

Protects you when hit by a driver with no insurance or insufficient coverage. Pays your medical costs, lost wages, and other damages the at-fault driver cannot cover.

Non-Standard Auto Insurance

Coverage for drivers with violations, suspensions, or filing requirements who cannot qualify for standard policies. Includes non-owner SR-22 and post-OUI liability.

Find Your City in Maine

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Portland

urban
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Lewiston

suburban
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Bangor

urban
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Auburn

suburban
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Augusta

urban

Frequently Asked Questions

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