Maine Minimum Coverage Car Insurance: Requirements and Costs (December 2024)

Q: Do you need comprehensive insurance in Maine?

Maine state law does not mandate comprehensive insurance . However, consider getting comprehensive insurance to protect against non-collision-related damages to your car, such as theft or natural disasters. It provides an additional layer of financial protection beyond the state minimum requirements.

Maine's minimum coverage liability limits are 50/100/25. The average annual cost of state minimum car insurance in Maine is $446, or about $37 monthly.

By Mark Fitzpatrick

Reviewed by Mark Friedlander

Edited by Nica Gonzales-Villaraza

Updated: December 10, 2024

Advertising & Editorial Disclosure

Maine requires drivers to maintain minimum car insurance coverage that includes $50,000 for bodily injury per person, $100,000 per accident, and $25,000 for property damage. These minimum car insurance requirements also include uninsured/underinsured motorist coverage mirroring these limits. As an at-fault state, drivers are responsible for any damages they cause in an accident, underscoring the importance of having at least state-required insurance.

Maine drivers can find coverage at an economical monthly premium, which averages $37 for state minimum coverage. If you seek the most cost-efficient options, researching the cheapest car insurance in Maine may yield even more choices.

TABLE OF CONTENTS

Maine Minimum Coverage Requirements
Average Cost of Minimum Coverage Car Insurance in Maine
Cheapest Companies in Maine for Minimum Coverage
Add-On Coverages in Maine
Penalties for Driving Without Insurance in Maine
FAQ

Why Trust MoneyGeek? MoneyGeek analyzed data from Quadrant Information Services and the Maine Bureau of Insurance to give you the most accurate cost data for a range of Maine drivers.

These rates reflect the cost of minimum coverage car insurance requirements in Maine as of December 2024.

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Maine Minimum Coverage Car Insurance Requirements

In Maine, the required minimum car insurance coverage for drivers to legally operate a vehicle includes the following:

$50,000 for bodily injury liability per person
$100,000 for bodily injury liability per accident
$25,000 for property damage liability per accident
$50,000 uninsured motorist bodily injury per person
$100,000 uninsured motorist bodily injury per accident
$2,000 for medical payments coverage

Considering Maine is a fault state, your choices regarding your insurance coverage can significantly affect your premium costs. Being a fault state means that the driver found responsible for causing an accident is also responsible for paying the damages resulting from that accident, typically through their insurance provider. As such, having adequate coverage is crucial for financial protection.

DOES MAINE REQUIRE COLLISION AND COMPREHENSIVE COVERAGE?

Maine does not mandate collision and comprehensive coverage as part of its state minimum auto insurance requirements. However, if you're financing or leasing a vehicle, lenders typically stipulate that you carry both coverages to safeguard against the cost of repairing or replacing your car following an accident, theft or other covered incidents.

What Does Minimum Coverage Cover?

What Liability Insurance Covers	What Liability Insurance Doesn't Cover
Injuries to others if you are at fault in an accident	Your injuries
Damage to another person’s property if you are at fault in an accident	Damages to your car
Some coverage for injuries caused by uninsured/underinsured drivers, depending on your policy	Repairs for weather-related accidents or if you were hit by an animal
	Property damage caused by uninsured/underinsured drivers, unless additional coverage is purchased

The table reflects Maine's minimum car insurance requirements, including bodily injury and property damage coverage. Specific coverage details depend on your policy's terms and conditions.

Average Cost of Minimum Coverage Car Insurance in Maine

In Maine, drivers aged 22 to 29 face the highest premiums, primarily due to their relative inexperience behind the wheel. The table below shows the average minimum coverage cost in Maine per age group.


22-29	$575	$48
30-59	$446	$37
60 +	$449	$37

Cheapest Companies for Minimum Coverage Car Insurance in Maine

For people in Maine seeking economical options for state minimum coverage auto insurance, these are the most competitive options:

Vermont Mutual: $307 per year; $26 per month
Progressive: $310 per year; $26 per month

While finding cost-effective insurance is important, you should ensure that your choice aligns with your individual requirements. Explore the best car insurance in Maine for a more comprehensive understanding of your options.

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Age Group:30-59


Vermont Mutual	$307	$26
Progressive	$310	$26
GEICO	$348	$29
Concord Group	$349	$29
State Farm	$425	$35
Countryway Insurance	$448	$37
Allstate	$549	$46
Travelers	$554	$46
Bristol West	$725	$60

Optional Add-On Coverages in Maine

In Maine, optional add-on coverages include collision, comprehensive, uninsured motorist property damage, medical payments and rental reimbursement. These enhance protection beyond the state minimum coverage, covering various out-of-pocket expenses after accidents regardless of fault. They provide financial security from unforeseen events such as theft, vandalism and natural disasters. Assess how much car insurance you need to determine which coverages to add.

Add-On Coverage	What It Covers	What It Doesn't Cover
Uninsured/Underinsured Motorist Coverage	Medical expenses, lost wages and repair costs if you're hit by a driver with no or insufficient insurance.	Damage to your vehicle if you are at fault or damages that exceed policy limits.
Personal Injury Protection (PIP)	Medical expenses, lost income and funeral costs for you or your passengers, regardless of who's at fault.	Vehicle damage or injuries to the other driver.
Roadside Assistance	Services like towing, flat tire changes and jump-starts when your car breaks down.	Cost of parts or repairs needed after the tow.
Gap Insurance	Pays the difference between your car's current value and what you still owe if it's totaled or stolen.	Vehicle depreciation or overdue loan payments.
Rental Car Reimbursement	The cost of a rental car while your vehicle is being repaired after a covered event.	Fuel, insurance or other rental extras.
Collision Coverage	Repairs to your car after an accident, regardless of fault.	Damage due to theft, vandalism or natural disasters.
Comprehensive Coverage	Repairs to non-collision damages from events like theft, fire or hail.	Damages from a collision or personal injuries.
Towing and Labor Coverage	Towing and basic roadside assistance labor costs at the site of your vehicle's breakdown.	More extensive repairs needed at a garage.
Custom Parts and Equipment Coverage	Safeguards aftermarket enhancements like custom wheels or stereo systems.	Original parts that came with your vehicle.
Accidental Death Coverage	Offers a payout if you or a passenger dies or experiences certain injuries in a car accident.	Non-accidental death or injuries.
Classic Car Insurance	Agreed-upon values for your unique vehicle, tailored for vintage or collector cars.	Regular use, like your daily commute.

Penalties for Driving Without Insurance in Maine

In Maine, the cost of a ticket for driving without insurance can differ based on your record with this violation. Expect a fine for a first offense and a possible suspension of your driver's license and vehicle registration. A subsequent offense can lead to heftier fines and longer periods of suspension, emphasizing the state's strict stance on maintaining minimum coverage auto insurance. Additional penalties may include:

Vehicle registration suspension: This prevents you from driving an uninsured car.
License suspension: Your driving privilege may be temporarily revoked, with a separate process for reinstatement that usually includes a fee.
An SR-22 requirement: You may need to file an SR-22, which is a certificate providing proof of future financial responsibility.
Possible jail time: You may go to jail if involved in an accident without insurance, indicating the severe consequences of this infraction.

Driving without insurance is against the law and can result in serious penalties. Always ensure your insurance policy is active and meets Maine's requirements to stay on the right side of the law.

What to Do if Your Policy Is Canceled

If your car insurance policy is canceled in Maine, immediately seek new coverage. Driving without insurance is illegal, so do not drive until you secure a new policy. Contact an insurance agent for assistance or explore different insurers to find a new plan that fits your needs.

Maine law requires insurance companies to report insurance policy cancellations to the DMV. If you remain uninsured, you may face legal penalties, including fines and the potential suspension of your driver's license.

Securing new insurance after cancellation can be daunting, but Maine drivers have options. You may consider the Maine Automobile Insurance Plan, which helps high-risk drivers obtain the state minimum coverage. Ensuring continuous coverage keeps you on the right side of the law and protects you financially in case of accidents.

Always remember that driving without at least the state minimum coverage is risky. Be proactive in maintaining your auto insurance to meet Maine's legal requirements.

WHY WAS MY POLICY CANCELED?

Your car insurance policy in Maine may have been canceled for a few reasons:

Non-Payment: If you missed paying your premiums on time, the insurer may cancel your coverage.
License Suspension: Getting your driving license suspended can lead to cancellation by your insurance provider.
Fraud: If the insurer finds out you lied or provided false information on your application, it might cancel your policy.
Multiple Claims: Filing several claims in a short period could signal high risk and cause your policy to be terminated.
Policy Violations: Breaching the terms of your insurance agreement can result in cancellation. Always follow the rules of your policy.

FAQ: Maine Minimum Coverage Car Insurance

We clarify the minimum car insurance requirements for drivers in Maine and provide answers to ensure you comply with state laws and drive with the necessary protection.

What is the minimum car insurance coverage in Maine?

In Maine, the minimum car insurance coverage required by law includes bodily injury liability at $50,000 per person and $100,000 per accident, property damage liability at $25,000 per accident, uninsured/underinsured motorist coverage at $50,000 per person and $100,000 per accident, along with medical payments coverage of $2,000. Drivers must maintain these coverage amounts to comply with state regulations and ensure financial responsibility in the event of an accident.

Why does Maine require minimum automobile liability coverage for motorists?

Maine mandates minimum coverage auto insurance to ensure that motorists have financial responsibility for damages or injuries they may cause in an accident. This requirement protects policyholders, other drivers, pedestrians and property owners from the high costs associated with vehicle collisions. By implementing this law, the state upholds a standard of protection for everyone on the road.

Do you need comprehensive insurance in Maine?

Maine state law does not mandate comprehensive insurance. However, consider getting comprehensive insurance to protect against non-collision-related damages to your car, such as theft or natural disasters. It provides an additional layer of financial protection beyond the state minimum requirements.

What happens if you drive uninsured in Maine?

Driving uninsured in Maine can lead to significant legal and financial consequences. If caught, you'll face a fine starting at $100, suspension of your driver's license and registration and the requirement to file an SR-22 certificate for a specified period. You will also be personally liable for damages if involved in an accident, potentially leading to further fines and legal repercussions. Ensuring you have at least state minimum coverage is critical for legal driving and financial protection on Maine roads.

About Mark Fitzpatrick

Mark Fitzpatrick is a Licensed Property and Casualty Insurance Producer and MoneyGeek's Head of Insurance. He has analyzed the insurance market for over five years, conducting original research and creating personalized content for every kind of buyer. He has been quoted in several insurance-related publications, including CNBC, NBC News and Mashable.

Fitzpatrick earned a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his knowledge of economics and insurance to bring transparency around financial topics and help others feel confident in their money moves.

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