Maine OUI and insurance: How much does an OUI raise your insurance?

Does a OUI raise car insurance rates in Maine?

With a clean driving history, car insurance in Maine averages $1,175. After a OUI, the rate increases to $2,171, which is $996 more.

Auto insurance companies substantially increase premiums when they classify you as a high-risk driver. If you accumulate multiple OUIs, average rates escalate drastically to $3,662.

How much does a OUI raise your insurance in Maine?

The cheapest insurer after a OUI is Auto-Owners, with average premiums of $1,179. The next most affordable option is Progressive, where rates are $90 higher than those of Auto-Owners. State Farm offers the third-lowest car insurance rates for drivers with a OUI.

Driving under the influence is both dangerous and expensive. You'll face substantial fines and increased car insurance rates for many years. Because each insurer handles a OUI differently and sets its own pricing, comparing quotes from several companies is essential.

The table below lists theaverage car insurance rates after a OUI in Maine.

Company	Annual premium for clean records	Annual premium after a DUI	Annual premium after multiple DUIs
Auto-Owners	$707	$1,179	$1,600
Progressive	$1,106	$1,269	$2,123
State Farm	$1,262	$1,359	$1,359
Travelers	$853	$1,363	$1,955
Allstate	$1,147	$1,573	$2,216
Farmers	$1,664	$2,627	$3,976
GEICO	$1,228	$3,187	$6,401
Frankenmuth Insurance	$1,492	$6,696	$15,730
USAA	$827	$1,678	$1,984

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PEOPLE ASK:

What happens when you get a DUI in Maine?

If you're convicted of a DUI in Maine, consequences are severe. For a first offense, you'll face fines and fees. Your car may also be impounded, your driver's license suspended, car insurance rates will increase, and OUI will stay on your record for seven years.

If someone gets a OUI in your car, does it go on your insurance?

In most situations, insurance follows the vehicle rather than the driver, so your auto insurance rates won't increase because the OUI will not show up on your driving record.

However, your premiums may rise if your car is involved in an accident caused by a OUI. Your vehicle may also be treated as a crime scene after the crash, meaning you won't be able to access it until the police release it.

How long does a OUI affect your insurance in Maine?

Even though a OUI may remain on your driving record for life, it won't affect your insurance rates forever. In Maine, a OUI impacts car insurance and stays on your record for seven years. Your premiums should begin to decrease after a few years of keeping a clean driving record without further violations.

PEOPLE ASK:

Will I have difficulty getting car insurance after a DUI?

It may be more challenging to find affordable car insurance after a DUI, especially if you have multiple convictions. However, if you already have car insurance, your insurer will likely continue your coverage. Since insurance rates will increase after a DUI, you may consider shopping for new coverage to compare rates.

How much does a OUI raise insurance by age group?

Younger drivers pay higher insurance rates than mature drivers since they lack experience behind the wheel. While a OUI increases rates significantly, younger driver's car insurance rates skyrocket after a conviction. The average cost of car insurance for a teen with a OUI is $2,746.

Below are the cheapest insurers after a OUI for each age group:

For teens: Auto-Owners has the most affordable rate at $2,746.
For young adults: Travelers offers the lowest-priced coverage for young adults at $1,442.
For adults: Auto-Owners provides the best rate, averaging $1,179.
For seniors: Auto-Owners delivers the cheapest average rate at $1,138.

This table illustrates how a OUI affects car insurance rates across different age groups.

Company	Annual premium for clean record	Annual premium after a DUI	Dollar increase	% Increase
Auto-Owners	$1,634	$2,746	$1,112	68%
Travelers	$2,266	$3,385	$1,119	49%
State Farm	$3,517	$3,814	$297	8%
Allstate	$2,729	$3,905	$1,176	43%
Progressive	$5,882	$6,018	$136	2%
GEICO	$3,678	$6,166	$2,488	68%
Farmers	$8,077	$13,705	$5,628	70%
Frankenmuth Insurance	$4,444	$20,323	$15,879	357%
Auto-Owners	$1,634	$2,746	$1,112	68%
Travelers	$2,266	$3,385	$1,119	49%
State Farm	$3,517	$3,814	$297	8%
Allstate	$2,729	$3,905	$1,176	43%
Progressive	$5,882	$6,018	$136	2%
GEICO	$3,678	$6,166	$2,488	68%
Farmers	$8,077	$13,705	$5,628	70%
Frankenmuth Insurance	$4,444	$20,323	$15,879	357%
USAA	$2,318	$3,861	$1,543	67%
USAA	$2,318	$3,861	$1,543	67%

How much does a OUI raise your insurance in your city?

The cheapest city in Maine for car insurance with a OUI is Caribou, while the most expensive city is Holden at an average of $2,198. Where you live affects car insurance rates, regardless of a OUI. Drivers in areas with higher traffic rates and more vehicle thefts pay higher insurance rates since their cars are more likely to be damaged. Those higher rates are then raised significantly with a OUI.

This table shows the average car insurance rates after a OUI by city. Comparing rates in both large cities and rural areas can help you see how your location affects your premiums.

City	Annual premium for clean record	Annual premium after a DUI	Dollar increase	% Increase
Auburn	$1,163	$2,115	$952	82%
Augusta	$1,155	$2,154	$999	87%
Bangor	$1,128	$2,087	$959	85%
Bowdoinham	$1,122	$2,102	$980	87%
Caribou	$1,092	$1,994	$902	83%
Cliff Island	$1,095	$2,000	$905	83%
Farmingdale	$1,157	$2,168	$1,011	87%
Gorham	$1,099	$2,012	$913	83%
Holden	$1,172	$2,198	$1,026	88%
Lewiston	$1,185	$2,173	$988	83%
Auburn	$1,163	$2,115	$952	82%
Augusta	$1,155	$2,154	$999	87%
Bangor	$1,128	$2,087	$959	85%
Bowdoinham	$1,122	$2,102	$980	87%
Caribou	$1,092	$1,994	$902	83%
Cliff Island	$1,095	$2,000	$905	83%
Farmingdale	$1,157	$2,168	$1,011	87%
Gorham	$1,099	$2,012	$913	83%
Holden	$1,172	$2,198	$1,026	88%
Lewiston	$1,185	$2,173	$988	83%

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How to get car insurance after a OUI in Maine

Insurers will label you a high-risk driver after a OUI, but you can still secure car insurance. Finding suitable coverage following a OUI conviction may require some additional effort.

If you already have car insurance and receive a OUI, your insurer will likely continue your policy; however, your premiums will increase at renewal time.

If you need car insurance after a OUI or want the lowest available rates, be sure to compare multiple companies. Request quotes from various insurers to identify the most affordable choice in Maine, since each company determines its own rates after a OUI.

Maine OUI insurance requirements and penalties

A OUI in Maine means you must meet specific high-risk driver requirements. In Maine, this includes obtaining an SR-22. An SR-22 is a form your insurer submits to the state to verify that you carry at least the minimum car insurance required by law. While the SR-22 itself doesn't increase your rates, the offense that led to it does.

A OUI can lead to fines, license suspension, vehicle impoundment and even jail time. Multiple offenses carry even harsher penalties. You may also have to pay attorney fees, towing charges and impound costs.

The table below highlights Maine OUI laws and the penalties for both first-time and repeat offenses.

Increased penalty for high BAC	Administrative license suspension after a first offense	Limited driving privileges during suspension	Ignition interlocks	Open container laws	Repeat offender laws
0.15	150 days	Yes	Highly incentivized for all convictions	Yes	Yes
0.15	150 days	Yes	Highly incentivized for all convictions	Yes	Yes

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*BAC is blood alcohol concentration

How long after a OUI does your insurance go down?

A OUI impacts car insurance rates for at least three years, although the exact duration depends on the state. In some places, such as California, a OUI can influence your rates for up to 10 years.

Drivers in Maine can expect elevated car insurance rates after a OUI and expect it to stay on their record for seven years.

Tips to save money after a OUI

A OUI will cost you thousands of dollars in fines, fees, and increased car insurance rates. Fortunately, there are ways to get lower rates after a OUI.

Ways Maine drivers can save on car insurance after a OUI include:

Raise your deductible to lower rates
Look for car insurance discounts, like multi-policy and vehicle safety feature savings
Keep your driving record clean going forward
Take a defensive driving course
Improve your credit score
Compare rates from multiple companies

Methodology

We partnered with Quadrant Information Services to field car insurance rates across all 50 states and Washington, D.C.

Unless otherwise indicated, averages are based on our full coverage data set. This data set is based on:

Bodily injury liability of $100,000 per person and $300,000 per incident
Property damage liability of $100,000 per incident
Comprehensive and collision deductibles of $500
40-year-old driver
Honda Accord LX
Good credit
A clean driving record
12-mile commute, 10,000 annual mileage

Additional rate data is drawn based on:

One and two OUI convictions
Ages ranging from 16 to 75

Learn more about our data and methodology.

Maine OUI insurance: Frequently asked questions

How far back do insurance companies look for a OUI?

Depending on the state, a OUI may stay on your driving record for up to 10 years. In most situations, a OUI influences car insurance rates for three to five years.

Will my insurance drop me after a OUI in Maine?

Most insurers won't drop your policy after just one OUI, but your premiums will increase significantly. However, if you have multiple OUIs, your insurer may refuse to continue coverage. The greater the risk you pose, the more difficult it becomes to find car insurance.