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Maine Auto Insurance Requirements & Rates Guide

Maine requires 50/100/25 minimum liability coverage — $50,000 per person and $100,000 per accident for bodily injury, $25,000 for property damage. Average premiums range from $850–$1,100 annually for state minimums, with full coverage typically costing $1,600–$2,200/year based on available industry data.

Traffic officer in yellow safety vest speaking with female driver during roadside stop

Updated March 2026

State Requirements

Maine operates as a traditional tort state, meaning the at-fault driver's insurance pays for damages after an accident. All drivers must carry proof of insurance and present it during traffic stops or after collisions. The Maine Bureau of Insurance enforces these requirements, and driving uninsured results in license suspension, registration suspension, and reinstatement fees up to $250 plus proof of future financial responsibility.

Cost Overview

Maine's auto insurance rates remain below the national average, reflecting the state's low population density, minimal urban congestion, and relatively low theft rates. However, winter weather, moose collisions, and the high percentage of rural roads without lighting or shoulders contribute to elevated comprehensive and collision claim frequencies that affect premium calculations.

Minimum Coverage
State-required 50/100/25 liability only. Leaves you financially exposed for damage to your own vehicle and gaps if the other driver is underinsured.
Standard Coverage
Increased liability limits of 100/300/100, plus UM/UIM and MedPay. Provides meaningful protection without collision or comprehensive for owned vehicles.
Full Coverage
Comprehensive and collision added to standard liability, covering your vehicle for weather, theft, animal strikes, and at-fault accidents. Essential if you finance or lease, and advisable given Maine's wildlife and winter hazards.

What Affects Your Rate

  • Location within Maine creates significant rate variation — Portland drivers pay 20–30% more than those in rural counties due to higher accident frequency and theft rates.
  • Winter weather claims drive comprehensive costs up, with moose collisions alone resulting in average claims exceeding $5,000 when vehicle damage and injury are combined.
  • Credit-based insurance scores impact premiums substantially in Maine, as the state allows insurers to use credit history in rate calculations, potentially affecting premiums by 30–50%.
  • Young drivers under 25 face rates approximately 80–120% higher than middle-aged drivers due to Maine's strict graduated licensing laws and elevated crash rates among new drivers.
  • Vehicle age and value directly affect comprehensive and collision premiums — insuring a vehicle worth under $3,000 with full coverage often costs more annually than the car's value.

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Find Your City in Maine

Portland, Maine cityscape and street view

Portland

urban
Rural countryside with green fields, autumn trees, and dirt road under overcast sky

Lewiston

suburban
Aerial view of autumn coastline with colorful fall foliage on rocky cliffs meeting calm gray water

Bangor

urban
Two Canada geese swimming with their goslings in calm blue water

Auburn

suburban
Misty lake with fog over calm water, framed by tree branches and foreground vegetation

Augusta

urban

Frequently Asked Questions

Sources

  • Maine Bureau of Insurance - www.maine.gov/pfr/insurance
  • Maine Bureau of Motor Vehicles - www.maine.gov/sos/bmv
  • National Association of Insurance Commissioners (NAIC) Auto Insurance Database Report 2023

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