- Does an OUI raise car insurance rates in Maine?
- How much does an OUI raise your insurance in Maine?
- If someone gets an OUI in your car, does it go on your insurance?
- How long does an OUI affect your insurance in Maine?
- How much does an OUI raise insurance by age group?
- How much does an OUI raise your insurance in your city?
- How to get car insurance after an OUI in Maine
- Maine OUI insurance requirements and penalties
- How long after an OUI does your insurance go down?
- Tips to save money after an OUI
- Methodology
- Maine OUI insurance: Frequently asked questions
- Compare Maine DUI car insurance rates with other states
Does an OUI raise car insurance rates in Maine?
Maine car insurance averages $1,175 with a clean driving record. However, average car insurance rates after an OUI increase to $2,171, which is $996 more.
Car insurance companies charge much higher rates if you are proven to be a risky driver. If you have multiple OUIs, average rates dramatically increase to $3,662.
How much does an OUI raise your insurance in Maine?
The cheapest insurer after an OUI is Auto-Owners, with rates averaging $1,179. The next cheapest insurer is Progressive a difference of $90 from Auto-Owners. State Farm has the third-most affordable car insurance rates with an OUI.
Not only is driving under the influence dangerous, but it’s also expensive. You’ll face hefty fines and increased car insurance rates for years. However, every company weighs an OUI differently and offers different rates, so comparing quotes from multiple insurers is essential.
This table shows average car insurance rates after an 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 |
PEOPLE ASK:
What happens when you get an OUI in Maine?
If you’re convicted of an OUI 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, and car insurance rates will increase for seven years.
If someone gets an OUI in your car, does it go on your insurance?
Typically, the insurance follows the car, not the driver, so your car insurance won’t increase since the OUI won’t be on your driving record.
However, your rates may increase if your vehicle is involved in an accident due to an OUI. Additionally, your car can be declared a crime scene after an accident, so you won’t have access to your vehicle until the police are ready.
How long does an OUI affect your insurance in Maine?
While an OUI may remain on your driving record forever, it doesn’t affect rates forever. An OUI affects Maine car insurance for seven years. Your car insurance rates should begin to decrease after several years with no further infractions on your driving record.
PEOPLE ASK:
Will I have difficulty getting car insurance after an OUI?
It may be more challenging to find affordable car insurance after an OUI, 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 an OUI, you may consider shopping for new coverage to compare rates.
How much does an OUI raise insurance by age group?
Younger drivers pay higher insurance rates than mature drivers since they lack experience behind the wheel. While an OUI increases rates significantly, younger driver's car insurance rates skyrocket after a conviction. The average cost of car insurance for a teen with an OUI is $2,746.
These are the cheapest companies after an OUI by age:
- For teens: Auto-Owners is the cheapest at $2,746.
- For young adults: Travelers offers the cheapest young adult coverage at $1,442.
- For adults: Auto-Owners, with an average rate of $1,179.
- For seniors: Auto-Owners has the most affordable average rate at $1,138.
This table shows how an OUI affects car insurance rates based on age group.
| Age | Company | Annual premium for clean record | Annual premium after a DUI | Dollar increase | % Increase |
|---|---|---|---|---|---|
| Teen(18 yr) | Auto-Owners | $1,634 | $2,746 | $1,112 | 68% |
| Teen(18 yr) | Travelers | $2,266 | $3,385 | $1,119 | 49% |
| Teen(18 yr) | State Farm | $3,517 | $3,814 | $297 | 8% |
| Teen(18 yr) | Allstate | $2,729 | $3,905 | $1,176 | 43% |
| Teen(18 yr) | Progressive | $5,882 | $6,018 | $136 | 2% |
| Teen(18 yr) | GEICO | $3,678 | $6,166 | $2,488 | 68% |
| Teen(18 yr) | Farmers | $8,077 | $13,705 | $5,628 | 70% |
| Teen(18 yr) | Frankenmuth Insurance | $4,444 | $20,323 | $15,879 | 357% |
| Young Adults(25 yr) | Travelers | $965 | $1,442 | $477 | 49% |
| Young Adults(25 yr) | Auto-Owners | $904 | $1,512 | $608 | 67% |
| Young Adults(25 yr) | Progressive | $1,389 | $1,564 | $175 | 13% |
| Young Adults(25 yr) | State Farm | $1,536 | $1,657 | $121 | 8% |
| Young Adults(25 yr) | Allstate | $1,235 | $1,694 | $459 | 37% |
| Young Adults(25 yr) | Farmers | $2,076 | $3,194 | $1,118 | 54% |
| Young Adults(25 yr) | GEICO | $1,427 | $3,428 | $2,001 | 140% |
| Young Adults(25 yr) | Frankenmuth Insurance | $2,050 | $9,288 | $7,238 | 353% |
| Adults(40 yr) | Auto-Owners | $707 | $1,179 | $472 | 67% |
| Adults(40 yr) | Progressive | $1,106 | $1,269 | $163 | 15% |
| Adults(40 yr) | State Farm | $1,262 | $1,359 | $97 | 8% |
| Adults(40 yr) | Travelers | $853 | $1,363 | $510 | 60% |
| Adults(40 yr) | Allstate | $1,147 | $1,573 | $426 | 37% |
| Adults(40 yr) | Farmers | $1,664 | $2,627 | $963 | 58% |
| Adults(40 yr) | GEICO | $1,228 | $3,187 | $1,959 | 160% |
| Adults(40 yr) | Frankenmuth Insurance | $1,492 | $6,696 | $5,204 | 349% |
| Seniors(65 yr) | Auto-Owners | $683 | $1,138 | $455 | 67% |
| Seniors(65 yr) | Travelers | $739 | $1,239 | $500 | 68% |
| Seniors(65 yr) | Progressive | $1,096 | $1,264 | $168 | 15% |
| Seniors(65 yr) | State Farm | $1,218 | $1,312 | $94 | 8% |
| Seniors(65 yr) | Allstate | $1,060 | $1,460 | $400 | 38% |
| Seniors(65 yr) | Farmers | $1,454 | $2,281 | $827 | 57% |
| Seniors(65 yr) | GEICO | $1,157 | $3,114 | $1,957 | 169% |
| Seniors(65 yr) | Frankenmuth Insurance | $1,422 | $6,377 | $4,955 | 348% |
| Teen(18 yr) | USAA | $2,318 | $3,861 | $1,543 | 67% |
| Young Adults(25 yr) | USAA | $1,009 | $2,061 | $1,052 | 104% |
| Adults(40 yr) | USAA | $827 | $1,678 | $851 | 103% |
| Seniors(65 yr) | USAA | $827 | $1,678 | $851 | 103% |
How much does an OUI raise your insurance in your city?
The cheapest city in Maine for car insurance with an 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 an 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 an OUI.
This table shows average OUI car insurance rates by city. Compare rates in large cities to rural areas to see how your location impacts rates.
| 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% |
How to get car insurance after an OUI in Maine
Insurers will label you as a high-risk driver after an OUI, but that doesn’t mean you can’t get car insurance. Finding the best fit after an OUI conviction may require a little work.
If you have car insurance and get an OUI, your insurer will probably continue to offer coverage. However, your rates will increase on renewal.
If you need car insurance after an OUI or want to find the lowest rates, shop around for coverage. Compare quotes from multiple insurers to find the most affordable policy in Maine since each insurer offers different rates after an OUI.
Maine OUI insurance requirements and penalties
An OUI in Maine means you must meet specific requirements for high-risk drivers. In Maine, you will need an SR-22. An SR-22 is a form filed by your insurance company that shows the state that you have at least the minimum amount of car insurance required by law. While an SR-22 doesn’t increase your car insurance rates, the cause behind the form does.
An OUI can lead to fines, a driver’s license suspension, car impoundment, and jail time. Multiple offenses have more severe penalties. Additionally, you may have to pay lawyer fees, towing charges, and impound fees.
The table below indicates Maine OUI laws and penalties based on first and subsequent offenses.
| Increased penalty for high BAC | 0.15 |
| Administrative license suspension after a first offense | 150 days |
| Limited driving privileges during suspension | Yes |
| Ignition interlocks | Highly incentivized for all convictions |
| Open container laws | Yes |
| Repeat offender laws | Yes |
*BAC is blood alcohol concentration
How long after an OUI does your insurance go down?
An OUI or DUI affects car insurance rates for at least three years, but the actual time varies. In some states like California, a DUI can affect rates for 10 years.
Maine drivers can expect to pay higher car insurance rates after an OUI for seven years.
Tips to save money after an OUI
An OUI will cost you thousands of dollars in fines, fees, and increased car insurance rates. Fortunately, there are ways to get lower rates after an OUI
Ways Maine drivers can save on car insurance after an 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
Insurance.com commissioned car insurance rates from Quadrant Information Services based on a 40-year-old driver with good credit and one OUI/DUI. Sample rates are based on a 2023 Honda Accord LX with full coverage at limits of 100/300/100 for liability and $500 deductibles. We also commissioned rates for various age groups including teens (16-19), young adults (20-25) and seniors (65+).
Maine OUI insurance: Frequently asked questions
How far back do insurance companies look for an OUI?
OUIs can stay on your driving record for up to 10 years, depending on your state. Typically, an OUI stops affecting car insurance rates in three to five years.
Will my insurance drop me after an OUI in Maine?
Most insurers won’t drop you after one OUI, but rates will increase significantly. However, multiple OUIs may cause your insurer to refuse coverage. The more risk you pose, the more challenging it is to get car insurance.
Compare Maine DUI car insurance rates with other states
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