Maine mandates one of the largest insurance packages of any state, and pays less for it than almost any other state. The minimum policy under 29-A M.R.S. §1605 is 50/100/25: $50,000 bodily injury per person, $100,000 per accident, and $25,000 property damage, bodily injury floors matched only by Alaska and, since July 2025, North Carolina, and double or more the minimums common elsewhere. Every policy must also include $2,000 of medical payments coverage and uninsured/underinsured motorist coverage of at least 50/100.
Yet the NAIC's 2022 figures put Maine's average annual expenditure at $758, near the bottom nationally. Rural roads, low traffic density and low claim litigation keep costs down, proving that high mandatory limits and low premiums can coexist. Carriers still price the same Maine driver differently, though, and on a small premium base even modest percentage gaps are worth capturing by comparing quotes.
The figures below explain the policy structure used in Maine. They do not predict an individual premium. For a broader view of how state rules differ, use our national car insurance directory.
Maine minimum car insurance requirements
Most quotes begin with liability coverage. Bodily injury liability addresses covered injury claims made by other people when you cause a crash. Property damage liability addresses covered damage to their vehicles or other property. The legal minimum keeps a policy compliant, but it does not say how much financial risk a household can comfortably retain.
- Coverage
- Bodily injury liability, one person
- Required amount or rule
- $50,000
- What it generally addresses
- Covered injuries to one other person
- Coverage
- Bodily injury liability, one accident
- Required amount or rule
- $100,000
- What it generally addresses
- Total covered injuries in one accident
- Coverage
- Property damage liability
- Required amount or rule
- $25,000
- What it generally addresses
- Covered damage you cause to other property
- Coverage
- PIP or medical coverage
- Required amount or rule
- $2,000 medical payments coverage required
- What it generally addresses
- Medical coverage rules vary by policy
- Coverage
- Additional state rule
- Required amount or rule
- UM/UIM coverage of at least 50/100 required in every policy, 24-A M.R.S. §2902
- What it generally addresses
- Review the selection or rejection shown on the quote
- Coverage
- Accident framework
- Required amount or rule
- At-fault
- What it generally addresses
- The responsible driver's liability coverage is central
- Coverage
- SR-22 filing
- Required amount or rule
- Used in this state
- What it generally addresses
- Applies only when ordered after qualifying events
| Coverage | Required amount or rule | What it generally addresses |
|---|---|---|
| Bodily injury liability, one person | $50,000 | Covered injuries to one other person |
| Bodily injury liability, one accident | $100,000 | Total covered injuries in one accident |
| Property damage liability | $25,000 | Covered damage you cause to other property |
| PIP or medical coverage | $2,000 medical payments coverage required | Medical coverage rules vary by policy |
| Additional state rule | UM/UIM coverage of at least 50/100 required in every policy, 24-A M.R.S. §2902 | Review the selection or rejection shown on the quote |
| Accident framework | At-fault | The responsible driver's liability coverage is central |
| SR-22 filing | Used in this state | Applies only when ordered after qualifying events |
Source: Maine Bureau of Insurance — Insurance required by law
What the state minimum covers, and what it leaves with you
A minimum policy is designed to satisfy state law. It is not designed around the value of your car, the size of a possible injury claim or the amount of savings you want to protect. Those are household decisions, so they need a separate review.
A financed or leased vehicle commonly needs collision and comprehensive coverage under the contract even when state law does not require them. For plain-language definitions and buying context, visit our insurance guides before selecting limits.
Rules and risks that matter in Maine
State law is only the starting point. These Maine-specific details show what to confirm before you compare coverage or buy a policy.
What a minimum Maine policy actually includes
A legal Maine policy is a three-part package, and none of the parts is optional:
Maine is an at-fault state, the driver who causes a crash is responsible for the damage, but the mandatory package means even a minimum-coverage Maine driver carries protection that would count as a mid-tier policy in much of the country.
- Liability coverage of 50/100/25, 50/100 bodily injury minimums matched only by Alaska and, since July 2025, North Carolina
- $2,000 in medical payments coverage, which pays your own and your passengers' immediate medical bills regardless of fault
- Uninsured/underinsured motorist coverage of at least 50/100, protecting you when the at-fault driver carries too little insurance or none at all
Why mandatory UM/UIM matters
Under 24-A M.R.S. §2902, no auto policy may be issued in Maine without uninsured motorist coverage, and Maine's definition explicitly includes underinsured and hit-and-run vehicles. The coverage must match your bodily injury liability limits unless you select lower, and it can never drop below the 50/100 state minimum.
Maine's uninsured-driver rate is among the lowest in the country, but the risk never reaches zero, nationally, 15.4% of drivers were uninsured in 2023 (Insurance Research Council), and out-of-state traffic doesn't carry Maine limits. Because every carrier must sell the same UM/UIM floor, the difference between them is purely price, an unusually clean comparison-shopping problem.
SR-22 filings in Maine
Maine uses SR-22 certificates, but more sparingly than most states. A first OUI suspension generally does not require one; the Bureau of Motor Vehicles requires an SR-22 as a condition of reinstatement for second and subsequent offenses, typically maintained for three years. Insurers file electronically with the BMV, and a cancellation triggers an SR-26 notice to the state, so a lapse surfaces quickly. Drivers who need a filing face the widest premium spreads between carriers, which makes comparing quotes most valuable exactly then.
Compare Maine options using one coverage design
Enter your ZIP once, keep the limits consistent and review which licensed partners may be available for your profile.
No account · No obligation
You review the contact consent before sending and can see who may contact you.
Start a Maine quote requestWhat affects car insurance rates in Maine?
Average annual expenditure for auto insurance in Maine was $758 in 2022, among the lowest of any state. This is a historical statewide expenditure benchmark from NAIC 2022 Auto Insurance Database Average Premium Supplement (June 2024). It combines many types of drivers and policies, so it should be used for market context rather than as a current quote estimate.
Insurers apply their filed rating plans to the household in front of them. Two neighbors can see different prices, and the same household can receive a wide range from different companies because each insurer weighs the inputs differently.
Garaging location
Claim frequency, traffic, repair costs, theft and weather exposure vary across Maine ZIP codes.
Drivers and record
Age, driving experience, citations, accidents, claims and continuous insurance history can affect price and eligibility.
Vehicle and use
Repair technology, vehicle value, annual mileage, commute and business use change the potential cost of a claim.
Coverage choices
Liability limits, collision, comprehensive, optional benefits and deductibles determine what the policy is being asked to pay.
Household details
Other licensed drivers, additional vehicles and bundling opportunities can change the account-level price.
Company fit
Insurers target different customer profiles. No one company is consistently cheapest for every driver in every territory.
Before you switch
Read the declarations, not only the price.
The declarations page shows drivers, vehicles, limits, deductibles and selected benefits. Match those fields before deciding that one quote is better.
Learn how a quote becomes a policy →How to compare Maine car insurance quotes
Keep the drivers, vehicles, limits, deductibles, dates and payment method the same. Then compare the full-term cost and change only one choice at a time.
Compare insurance companies on price, coverage and service
A familiar name is not automatically the best fit. Compare how each insurer sells and services policies, which optional programs it offers and whether it writes your profile in Maine. Availability and underwriting can vary by state.
See how Progressive sells and services policies →
See how GEICO sells and services policies →
See how State Farm sells and services policies →
See how Allstate sells and services policies →Company marks link to independent editorial reviews. They do not identify quote partners or a personalized match.
Browse all company reviews →Compare car insurance by Maine city
State law applies across Maine, but the garaging address can add a more local rating layer. Use a city guide to review ZIP related factors, vehicle details and the quote worksheet, then return here for the state requirement source.
Check the facts
Rules and market data used on this Maine page
The minimum-coverage table is paired with a first-party state reference, and the legal authority named in the guide is 29-A M.R.S. §1605, §1605-A (medical payments); 24-A M.R.S. §2902; Maine Bureau of Insurance. Historical premium context is labeled by year and linked to the underlying publication. These sources do not replace a policy contract or individualized legal advice; rules and forms can change, so confirm current requirements with the regulator, insurer or a licensed professional.
State requirement source
Maine Bureau of Insurance — Insurance required by law ↗Official state page listing Maine's required liability, medical payments and UM/UIM coverage.
Historical market data
NAIC — 2022 Auto Insurance Database Average Premium Supplement ↗Historical statewide average-expenditure data published by the National Association of Insurance Commissioners in June 2024.
Regulator directory
NAIC — State insurance department directory ↗Directory of state insurance regulators for current consumer guidance, licensing checks and complaints.
Checked by Show my rates · Last updated August 3, 2026
Maine car insurance FAQs
Ready to request options in Maine?
Request options for your ZIP with no account and no obligation to buy. Keep the coverage consistent so the comparison stays useful.
No account · No obligation
You review the contact consent before sending and can see who may contact you.
Start my quote request