Auto Insurance in Maine
Maine drivers pay an average of $988/year for full-coverage auto insurance — one of the cheapest states in the nation for cost.
Maine Minimum Liability Requirements
State law requires a minimum of 50/100/25 (bodily injury per person / per accident / property damage). These minimums are the legal floor — not a recommendation. A single serious accident can easily exceed these limits and expose you to personal liability.
Key Maine Auto Insurance Factor
Maine is the third-cheapest state for auto insurance. Maine's high minimum requirements (50/100/25) offer better protection, yet overall premiums remain very low due to sparse traffic and low claim frequency.
What Full Coverage Includes in Maine
- Liability: Covers injuries and property damage you cause to others (required by law)
- Collision: Covers damage to your vehicle from an accident
- Comprehensive: Covers theft, weather, fire, and non-collision damage
- Uninsured/Underinsured Motorist: Protects you from drivers with no or insufficient coverage
Frequently Asked Questions
What is the average cost of auto insurance in Maine?
The average annual cost of full-coverage auto insurance in Maine is $988/year. Rates vary based on your driving record, vehicle type, ZIP code, age, and coverage levels. Use our estimator above to get a personalized figure.
What are Maine's minimum auto insurance requirements?
Maine requires minimum liability coverage of 50/100/25 (bodily injury per person / per accident / property damage). These are legal minimums — most financial experts recommend carrying significantly higher limits.
Is Maine a no-fault auto insurance state?
No, Maine is an at-fault (tort) state. The driver who causes an accident is responsible for paying the other party's damages through their liability insurance.
How can I lower my auto insurance premium in Maine?
Common ways to reduce your premium in Maine include: maintaining a clean driving record, bundling auto and home insurance, raising your deductible, qualifying for good driver or good student discounts, and shopping multiple insurers annually. Use the estimator above to see how different coverage levels affect your estimated premium.