Maine Car Insurance

Maine car insurance rates cost $77/mo, or $927/yr on average, which is 35 percent less than the national average. Maine has one of the highest set of mandatory state requirements for auto insurance, but it’s sufficient enough to meet the potential liability for most car accidents. Maine auto insurance also follows tort law, which means the driver at-fault will be responsible for most damages. Find coverage in Maine with our free comparison tool below.

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Tonya Sisler has a Bachelor’s Degree from the University of South Carolina in Journalism and has worked for 15+ years in management. She has also completed a proofreading certification and is currently a professional writer.

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Brad Larson has been in the insurance industry for more than a dozen years. He started out as a claims adjuster for a national carrier. He has since switched to the agency side of the business. Brad is licensed in all P&C lines.

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Reviewed by Brad Larsen
Licensed Auto Insurance Agent

UPDATED: Oct 24, 2020

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In a nutshell...

  • Maine has one of the highest set of mandatory state requirements
  • Almost all national car insurance companies offer coverage in Maine
  • Liability has to be established whenever a car accident occurs

Need car insurance in Maine and want to learn about Maine car insurance laws?

One of the smallest states, Maine still has a very healthy car insurance market with almost 100 licensed car insurance companies offering coverage for high risk and sound drivers.

Enter your zip code above to get FREE car insurance quotes today!

Maine Car Insurance Requirements

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Minimum auto insurance coverage and rates vary from state to state. Compare state to state below:

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Maine has one of the highest set of mandatory state requirements for auto insurance and is sufficient to meet the potential liability for most car accidents.

Although most drivers still opt for additional coverage your window of personal liability for injuries to others in a car accident is much smaller in Maine than most other states.

The minimum car insurance requirements for any vehicle registered in Maine are as follows:

  • $50,000 liability insurance per person per accident
  • $100,000 liability insurance per accident (all person)
  • $25,000 property damage liability coverage
  • $50,000/$100,000 Underinsured/Uninsured Motorist coverage
  • $2,000 of Medical Payments Insurance

The requirement of drivers having to obtain medical payments insurance coverage is very rare when you look at state minimum car insurance requirements, but it’s also excellent coverage to have.

Medical payments coverage assists with medical expenses and funeral costs for both the injured victims and the policyholder.

Your average monthly car insurance rates by coverage may be cheaper than expected for additional coverage like comprehensive. Review rates for car insurance coverage below:

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Who is liable for car accident damages in Maine?

Maine car insurance laws do not have any no-fault insurance laws in place which means the driver at-fault will be responsible for most damages.

It also means you do not have protection from litigation and may subject to a lawsuit in the event of even a minor accident.

Any damages or injuries not covered in your policy terms may end up with you being personally liable for so car insurance coverage with high limits is not just universal but a necessary tool for financial protection given the state laws.

What happens if I drive with no car insurance in Maine?

Driving with no car insurance in Maine is like playing roulette with your financial security every time you start a car.

Not only are you exposing yourself to substantial financial penalties by the state, possible drivers license and vehicle registration suspension but also strict personal liability.

If you are ticketed for driving with no car insurance, however, you will have time to show proof of insurance before anything happens.

There are many consequences of driving with no auto insurance to be a responsible driver and secure at least the minimum car insurance requirements before operating a vehicle.

Almost all national car insurance companies offer coverage in Maine including Geico, Allstate, State Farm and other well-known brands.

Sometimes regional providers have more affordable rates and more excellent knowledge of the local market so never choose a provider based merely on premiums or cable ads.

How does ZIP code affect auto insurance? Factors like traffic, crime, and claim frequency in your area all matter. Find out how your ZIP code compares against other zips in ME.

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Which gender and age pays more for car insurance? Drivers under 25 years old are often in the highest risk class. See if the gender stereotype (males vs female auto insurance rates) holds true in Maine.

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Six major factors affect auto insurance rates in ME. Which car insurance factors will affect your rates the most? Find out below:

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Who is the cheapest car insurance company in ME? Review the average auto insurance rates by company below:

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Who are the largest auto insurance companies in ME?

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Try to make a decision based on policy coverage, company reputation and compare at least a handful of car insurance companies.

Enter your zip code below to get FREE car insurance quotes today!

References:

  1. https://www.esurance.com/info/car/uninsured-and-underinsured-coverage
  2. https://www.geico.com/information/states/
  3. https://www.iii.org/article/what-covered-basic-auto-insurance-policy
  4. https://www.thebalance.com/understanding-minimum-car-insurance-requirements-2645473
  5. https://www.investopedia.com/terms/i/insurance-premium.asp

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State Minimum Car Insurance Rates Nationwide
Average Monthly Car Insurance Rates by State
Monthly Maine Car Insurance Rates by ZIP Code
Average Monthly Car Insurance Rates by Age & Gender in Maine
Factors Affecting Car Insurance Rates in Maine
Maine Car Insurance Rates by Company vs. State Average
Maine Car Insurers by Market Share %