Car Insurance in Maine
Maine requires 50/100/25 in liability coverage — one of the higher minimums in the country — plus uninsured/underinsured motorist coverage at 50/100 and $2,000 in medical payments coverage. As an at-fault state, the at-fault driver pays for the other party’s damages.
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Maine at a glance
Data as of 2023Average cost
$856/yr
≈ $71/mo
vs U.S. average
-33%
below the national avg of $1,282/yr
Required minimums
50/100/25
BI / BI per accident / PD ($K)
Source: NAIC (2023). Annual average expenditure per insured vehicle.
Maine requires 50/100/25 in liability coverage — one of the higher minimums in the country — plus uninsured/underinsured motorist coverage at 50/100 and $2,000 in medical payments coverage. As an at-fault state, the at-fault driver pays for the other party’s damages.
Maine has consistently low average premiums despite the higher mandatory limits, partly thanks to less traffic density and fewer claims. Comparing quotes is still the fastest way to find a better deal.
Maine minimum car insurance requirements
Maine requires $50,000 of bodily injury liability per person, $100,000 per accident, and $25,000 in property damage liability, plus uninsured/underinsured motorist coverage at 50/100 and $2,000 in medical payments. Lenders require collision and comprehensive on financed or leased vehicles.
Maine has some of the highest bodily injury minimums in the country (50/100). Uninsured/underinsured motorist coverage at 50/100 and $2,000 in medical payments coverage are also required.
How much does car insurance cost in Maine?
The average driver in Maine pays $856 per year for auto insurance — that's 33% below the U.S. national average of $1,282/yr. Lower-than-average rates often reflect lower traffic density, fewer claims per insured vehicle, or less stringent coverage requirements.
Maine vs the national average
33% below the national average of $1,282/yr.
Source: NAIC (2023). Annual average expenditure per insured vehicle.
How Maine premiums have changed since 2019
Auto insurance costs in Maine have risen 23% over the past five years. The 2022–2023 jump mirrors a national trend: rising repair costs (vehicle complexity and parts inflation), more frequent severe accidents, and higher litigation costs pushed premiums up faster than overall inflation.
5-year trend: Maine vs national average
Maine is up 23% from $697 in 2019 to $856 in 2023.
Source: NAIC Auto Insurance Database Report (2022/2023), Table 4 — Average Expenditure.
Types of car insurance coverage
A Maine policy is built from a few core coverages. Liability is required; the rest are optional but often worth it.
| Coverage | What it covers | Required? |
|---|---|---|
| Liability | Injuries and property damage you cause to others | Required (state minimum) |
| Collision | Repairs to your own car after a crash | Optional* |
| Comprehensive | Theft, fire, weather, vandalism, animal strikes | Optional* |
| Uninsured motorist | Your costs if the at-fault driver has no insurance | Varies by state |
*Collision and comprehensive are usually required by your lender if you lease or finance your vehicle.
Driving without car insurance in Maine
Driving uninsured in Maine can be costly. Penalties typically include fines, suspension of your license and registration, and reinstatement fees. If you cause an accident while uninsured, you can also be held personally responsible for the other party's injuries and damage. You may also be required to file an SR-22 certificate to reinstate your license.
How to find cheaper car insurance in Maine
Rates for the same driver can vary widely between insurers in Maine, so comparing several quotes is the most effective way to save. A few other ways to lower your premium:
- Raise your deductible if you can cover it in a claim
- Ask about every discount you qualify for
- Keep a clean driving record and good credit (where the state allows it as a rating factor)
- Reconsider collision and comprehensive on an older vehicle
For more, see our guides on how to lower your premium and what affects your rate.
Coverage requirements last verified May 29, 2026. Always confirm current minimums with your state’s Department of Insurance.
Maine car insurance FAQs
Common questions about auto insurance in Maine
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