Policy Ridge
Get a Quote

Maine Auto Insurance Rates & Requirements

Maine requires 50/100/25 liability coverage — $50,000 per person and $100,000 per accident for bodily injury, $25,000 for property damage. Average full coverage costs $110–$145/month, with minimum coverage ranging $35–$55/month based on available industry data.

Compare Maine Auto Insurance

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

Traffic officer in yellow safety vest speaking with female driver during roadside stop
Quotes from state-licensed insurance professionals
Licensed Agents Only
Free to request, no commitment required
No Obligation
No cost to you
Free to Use
Your contact information is protected
TCPA-Compliant
Updated May 2026

State Requirements

Maine operates under a traditional tort (at-fault) liability system, where the driver responsible for an accident is financially liable for damages. All drivers must carry proof of insurance and present it during traffic stops or after accidents. The Maine Bureau of Insurance enforces these requirements through electronic verification with insurers.

Maine cityscape and street view
50/100 ($50,000 per person, $100,000 per accident)
Bodily Injury Liability
Covers medical expenses, lost wages, and legal costs when you injure someone in an at-fault accident. Maine's required 50/100 limits are higher than most states but can be exhausted quickly in serious crashes — a single hospitalization can exceed $50,000. Given Maine's rural roads and higher speed limits on Routes 1 and 95, carrying 100/300 or higher is advisable.
$25,000 per accident
Property Damage Liability
Pays for damage to another driver's vehicle or property you cause in an accident. The $25,000 minimum may be insufficient if you hit multiple vehicles or damage property beyond a single car — a collision involving a newer truck or SUV can easily exceed this limit. Increasing to $50,000 or $100,000 adds minimal cost but significant protection.
$2,000 per person (included automatically)
Medical Payments Coverage
Maine is one of the few states that mandates medical payments coverage, providing $2,000 per person for immediate medical expenses regardless of fault. This coverage pays quickly without waiting for liability determination, covering you and your passengers. You can purchase higher MedPay limits ($5,000, $10,000, or more) for broader medical expense protection.
50/100 (must be offered; can be rejected in writing)
Uninsured Motorist Coverage
Protects you when hit by a driver with no insurance or when you're the victim of a hit-and-run. Insurers must offer this at the same limits as your liability coverage, though you can decline it in writing. With Maine's uninsured motorist rate at approximately 4.9%, this coverage addresses a real gap — nearly 1 in 20 drivers lacks required insurance.
Must be offered at liability limits (can be rejected in writing)
Underinsured Motorist Coverage
Covers the gap when an at-fault driver's insurance is insufficient to pay your full damages. If another driver carries only the 50/100 minimum and your injuries total $150,000, underinsured motorist coverage pays the difference. Maine requires insurers to offer this protection, though drivers can waive it — declining this coverage leaves you personally responsible for shortfalls in serious accidents.
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.

Get your Maine quote

Cost Overview

Maine's auto insurance rates sit below the national average, influenced by the state's low population density, minimal urban congestion, and below-average theft rates. However, harsh winter weather, wildlife collisions (particularly moose and deer), and the prevalence of older vehicles on rural roads create distinct rating factors.

What Affects Your Rate

  • Winter weather severity — Portland experiences an average of 61 inches of snow annually, and comprehensive claims for weather-related damage can raise rates 8–15% for drivers in snowbelt areas like Aroostook County.
  • Wildlife collision frequency — Maine reports over 3,000 moose-vehicle collisions per year, with comprehensive coverage claims for animal strikes costing an average of $4,000–$8,000 per incident.
  • Credit-based insurance scoring — Maine allows insurers to use credit information in rating, and drivers with poor credit may pay 40–60% more than those with excellent credit for identical coverage.
  • Vehicle age and type — the high percentage of older vehicles (over 12 years) in rural Maine lowers collision premiums but increases liability risk, as older cars lack modern safety features that earn premium discounts.
  • Rural vs. urban location — Portland drivers typically pay 20–30% more than those in rural areas like Presque Isle due to higher accident frequency, theft risk, and population density.
  • Clean driving record impact — a single at-fault accident in Maine can increase premiums 25–40% for three to five years, while a DUI conviction may double or triple rates and require SR-22 filing.
Minimum Coverage
$35–$55/mo
Includes only Maine's required 50/100/25 liability and $2,000 MedPay. Leaves your own vehicle unprotected and provides minimal liability cushion beyond legal minimums.
Standard Coverage
$70–$95/mo
Adds 100/300/100 liability limits, collision and comprehensive with $500–$1,000 deductibles, and higher uninsured motorist protection. Balances affordability with meaningful protection for most drivers.
Full Coverage
$110–$145/mo
Includes 250/500/100 or higher liability, $250–$500 deductibles, rental reimbursement, and roadside assistance. Suitable for newer vehicles, financed cars, or drivers seeking maximum protection.

Compare auto insurance rates in your state

Get matched with licensed carriers in minutes. One short form, real quotes, no obligation.

Get Your Free Quote
✓ Free to Compare✓ No Obligation✓ Licensed Carriers✓ TCPA Compliant

Coverage Types

Liability Insurance

Pays for injuries and property damage you cause to others. Maine requires 50/100/25, but serious accidents on high-speed rural highways can generate claims exceeding $100,000.

Full Coverage

Combines liability, collision, and comprehensive coverage to protect both your financial liability and your vehicle's value. Lenders require this for financed or leased vehicles.

Comprehensive Coverage

Covers non-collision damage to your vehicle: theft, vandalism, weather, fire, falling objects, and animal strikes. Pays the actual cash value of your car minus your deductible.

Collision Coverage

Pays to repair or replace your vehicle after a collision with another car or object, regardless of who was at fault. Your deductible applies before coverage kicks in.

Uninsured Motorist Coverage

Protects you when an at-fault driver has no insurance or flees the scene. Covers medical bills, lost wages, and vehicle damage up to your policy limits.

SR-22 Insurance

A certificate of financial responsibility filed by your insurer with the Maine Bureau of Motor Vehicles, required after certain violations like DUI, driving without insurance, or excessive points.

Find Your City in Maine

Portland, Maine cityscape and street view

Portland

urban
Rural countryside with green fields, autumn trees, and dirt road under overcast sky

Lewiston

suburban
Aerial view of autumn coastline with colorful fall foliage on rocky cliffs meeting calm gray water

Bangor

urban
Two Canada geese swimming with their goslings in calm blue water

Auburn

suburban
Misty lake with fog over calm water, framed by tree branches and foreground vegetation

Augusta

urban

Frequently Asked Questions

Get Your Free Quote in Maine