Maine Auto Insurance Rates & Requirements
Maine requires 50/100/25 liability coverage and is an at-fault state.
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Maine at a Glance
50/100/25
Minimum liability limits, in thousands of dollars (per person / per accident / property)
At-fault
The at-fault driver's insurance pays for the damage they cause
Required
PIP and Uninsured motorist coverage must be on every policy
Source: state DMV, insurance department and statute records, verified July 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.
Bodily Injury Liability
Property Damage Liability
Medical Payments Coverage
Uninsured Motorist Coverage
Underinsured Motorist Coverage
Cost Overview
about $71/mo
Average car insurance spending in Maine
Rate data: NAIC Auto Insurance Database, 2023
What Affects Your Rate
- 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.
Check Your Rate Against the Market
Compare Auto Rates for FreeFrequently Asked Questions
Can I get SR-22 insurance in Maine?
Yes — Maine requires SR-22 certificates after major violations like DUI, driving without insurance, or accumulating excessive points. Your insurer files the SR-22 with the Maine Bureau of Motor Vehicles, confirming you carry at least minimum required coverage. SR-22 filing lasts three years in Maine, and premiums typically double or triple during this period as you're classified as high-risk.
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.