Car Insurance Laws
State minimum insurance requirements in Maine
In Maine, the state minimum coverage requirements are as follows:
Liability
- Bodily Injury $50,000 per person
- Bodily Injury $100,000 per accident
- Property Damage $25,000 per accident
Uninsured/Underinsured Motorist
- Bodily Injury $50,000 per person
- Bodily Injury $100,000 per accident
Medical Payments
- $2,000 per person
Optional coverage in Maine (varies by carrier):
- Comprehensive
- Collision
- Loan/Lease Payoff
- Rental Car Reimbursement
- Roadside Assistance
Liability coverage is legally required in Maine and pays for injury and lost wages that you cause to another driver or their passengers as well as damage to the other driver’s vehicle in the event that you are considered “at fault” in an accident. The coverage limits are determined by each individual state and normally split into three categories. In Maine, the minimum is listed as 50/100/25 and explained below:
$50,000 bodily injury coverage per person. This is the maximum dollar amount that pays for a single person that you injure in an auto accident.
$100,000 bodily injury coverage per accident. This is the maximum dollar amount that pays for all injuries that you cause in an accident if more than one person is hurt.
$25,000 property damage per accident. This is the maximum dollar amount that pays for damage that you cause in an accident.
Uninsured/Underinsured Motorist coverage is legally required in Maine and pays for injury and lost wages that you or your passengers may suffer in the event that you are hit by an uninsured/underinsured driver who is at fault. The coverage limits are determined by each individual state and normally split into two categories. In Maine, the minimum is listed as 50/100 and explained below:
$50,000 bodily injury coverage per person. This is the maximum dollar amount that pays for a single person injured in your vehicle by an uninsured/underinsured driver.
$100,000 bodily injury coverage per accident. This is the maximum dollar amount that pays for all injuries in your vehicle by an uninsured/underinsured driver if more than one person is hurt.
Medical Payments provides coverage for injuries that you and your passengers incur in an accident regardless of fault. In Main, a minimum Medical Payments coverage amount of $2,000 per person is required.
These numbers reflect the minimum limits required in Maine but higher coverage amounts are available with most companies.
Top Maine Car Insurance Companies
The Zebra compares over 200 companies & 1,800 products, so you can save way more than 15%.
Car Insurance FAQs
Are digital insurance cards accepted in Maine?
What does this mean for you?
If you happen to find yourself pulled over by a police officer in Maine you won't have to rifle through your glovebox wondering if you remembered to replace that expired insurance card last month. Instead, you can provide proof of coverage with your smartphone.
Do I need uninsured motorist coverage in Maine?
Uninsured Drivers in Maine
5%
12%
Did you know?
Uninsured motorist coverage protects you from damage caused by other drivers without insurance and hit-and-runs.How much does car insurance cost in Maine cities?
| Rank | City | Avg. Annual Premium |
|---|---|---|
| 1 | Ellsworth | $846 |
| 2 | Skowhegan | $843 |
| 3 | Winslow | $830 |
| 4 | Auburn | $827 |
| 5 | Lewiston | $824 |
| 6 | Belfast | $824 |
| 7 | Waterville | $822 |
| 8 | Old Town | $814 |
| 9 | Portland | $813 |
| 10 | Orono | $813 |
| 11 | Augusta | $812 |
| 12 | Brewer | $811 |
| 13 | Bangor | $810 |
| 14 | Rockland | $802 |
| 15 | Sanford | $799 |
| 16 | Bath | $792 |
| 17 | Brunswick | $784 |
| 18 | Caribou | $781 |
| 19 | Gorham | $775 |
| 20 | Westbrook | $774 |
| 21 | Presque Isle | $770 |
| 22 | South Portland | $769 |
| 23 | Biddeford | $760 |
| 24 | Old Orchard Beach | $758 |
| 25 | Saco | $756 |
Recent Maine Car Insurance Questions and Answers
Which state would I need to get insurance in if my daughter will be attending graduate school out-of-state and the car is in my name?
I recently purchased a 2012 Chevy Impala with a bank loan (she did not qualify for a car loan even ...
Is there such thing as ‘too much renters insurance’?
My new property manager is requiring a renters insurance policy that provides liability coverage of at least $500,000 per occurrence. ...
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My neighbor just had a tree fall on their house and they aren’t able to stay in the home until ...
Driving Laws
Maine Texting and Driving Laws
- Ban on all cell phones for drivers <18 years
- Ban on text messaging for all drivers
Alcohol Related Fatalities
49
Per Year in MaineAnnual DUI Arrests
Maine7,270
US Average23,438
DUI Legal Limit
0.08%
Blood Alcohol ContentAverage DUI Cost
10k
Nationally, For First OffendersWhat does this mean for you?
Driving with a blood alcohol content higher than the number above will put you at risk of being arrested for driving under the influence. If arrested you’ll face harsh consequences and may face varying degrees of jail time, fines, driver’s license suspensions, and reinstatement requirements.
If convicted of a DUI, you can expect the financial obligations to extend beyond the DUI ticket to court costs, attorney fees, higher insurance rates, and potentially the installation of a Ignition Interlock Device to serve as a breathalyzer test each time you start your vehicle.Cheap Car Insurance
It's cheap to get car insurance in Maine!
Whoa! Maine is one of the cheapest states for car insurance. Let's see how much you'll save!
At The Zebra we're all about helping you save money on car insurance. Since Maine might have cheaper premiums that makes our job a breeze! It's easy to get started—we just need some basic information.What's the cheapest car insurance in Maine?
| Rank | Company Name | Avg. Annual Premium |
|---|---|---|
| 1 | Travelers | $618 |
| 2 | USAA | $635 |
| 3 | Countryway Insurance | $706 |
| 4 | Vermont Mutual | $707 |
| 5 | Patriot | $724 |
| 6 | The Hartford | $735 |
| 7 | MetLife | $786 |
| 8 | Concord | $848 |
| 9 | OneBeacon | $850 |
| 10 | MMG Insurance | $905 |
| 11 | Progressive | $948 |
| 12 | State Farm | $962 |
| 13 | Peerless | $1,002 |
| 14 | Liberty Mutual | $1,114 |
| 15 | GEICO | $1,217 |
| 16 | Allstate | $1,292 |
| 17 | Bristol West | $1,685 |
| 18 | Sentry | $1,982 |
| 19 | Hanover | $2,110 |
