Maine Car Insurance Requirements

Minimum Coverage Requirements

Maine requires drivers to carry minimum liability insurance of 50/100/25 — meaning $50,000 per person for bodily injury, $100,000 per accident for bodily injury, and $25,000 for property damage.

Average Car Insurance Costs in Maine

Drivers in Maine typically pay approximately $900 per year ($75/month) for car insurance, based on 2026 industry average data.

Car Insurance Rates by City in Maine

State Regulations and Key Rules

Maine requires some of the highest minimum liability limits in the country and has the lowest uninsured driver rate nationally. Uninsured and underinsured motorist coverage is required at the same limits as liability. Maine is an at-fault state.

What Makes Maine Unique

Maine has the lowest uninsured driver rate in the nation at approximately 4.5%, reflecting strong enforcement and a culture of compliance. The state's rural roads and deer population make comprehensive coverage advisable.

Uninsured Drivers in Maine

Approximately 4.5% of drivers in Maine are estimated to be uninsured. This is among the lower uninsured rates in the country, though carrying uninsured motorist coverage remains a sound financial decision.

Risk Factors Specific to Maine

Maine has one of the highest deer-vehicle collision rates per mile in the nation. Winter driving conditions — heavy snow, ice, and limited road maintenance in rural areas — significantly increase accident risk from November through April.

What Maine’s Minimum Actually Covers

Maine’s minimum is 50/100/25: $50,000 per injured person, $100,000 total per accident for injuries, and $25,000 for property damage. With new vehicles averaging roughly $50,000, the $25,000 property damage limit would leave about $25,000 unpaid if you totaled an average new car — and that gap becomes your personal debt. On the injury side, a single hospital admission after a serious crash can exceed $50,000 quickly; anything above the limit can be pursued from your assets and future wages.

No-Fault, PIP, and Required Add-Ons in Maine

Maine also requires UM/UIM coverage, which pays when the at-fault driver has no insurance or too little. Medical payments coverage of at least $2,000 is also part of the required package.

How Maine Compares: Uninsured Drivers and Price

An estimated 4.5% of Maine drivers are uninsured — roughly 1 in 22 — one of the lowest uninsured rates in the country.

Our average premium estimate of $900 a year puts Maine among the ten least expensive states in our 50-state estimates (median $1,395).

How to Save on Car Insurance in Maine

Maine's already-low rates can be further reduced through multi-policy bundling and loyalty discounts with regional carriers. Rural drivers should consider the value of comprehensive coverage given the very high rate of deer collisions. Paying in full annually avoids installment fees.

• Maine's minimum liability requirement of 50/100/25 is the legal floor, not a safe target — since PIP isn't required in Maine, a separate medical payments (MedPay) add-on is worth pricing out.
• With an estimated 4.5% of Maine drivers uninsured, carrying uninsured/underinsured motorist coverage above the state minimum is one of the highest-value add-ons you can buy.

Frequently Asked Questions

What is the minimum car insurance in Maine?

50/100/25: $50,000 of bodily injury liability per person, $100,000 per accident, and $25,000 of property damage liability.

Is Maine a no-fault state?

No. Maine is an at-fault state, so the driver who causes an accident is responsible for the resulting injuries and damage, usually through their liability insurance.

Is uninsured motorist coverage required in Maine?

Yes. Maine requires UM/UIM coverage.

How many drivers are uninsured in Maine?

An estimated 4.5% of Maine drivers are uninsured, roughly 1 in 22.

The information on this page is provided for general informational purposes only and reflects estimated industry averages and state requirements as of 2026. Insurance regulations and rates change periodically; always verify current requirements with your state's department of insurance or a licensed insurance professional before making coverage decisions. City-level and statewide premiums shown are approximations — individual rates will vary based on personal factors.