Car Insurance Requirements in Maine (2025)
Maine requires 50/100/25 limits for liability insurance, and drivers must also purchase medical payments and uninsured/underinsured motorist coverages.
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Written byJamie Johnson
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6 years experience in personal finance writing
Featured on Credit Karma and Insider
Jamie is a meticulous researcher who has published 2,000+ personal finance articles. Her expertise is trusted by major brands like Bankrate and Rocket Mortgage.
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Edited bySara Getman
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Sara Getman is an Associate Editor at Insurify and has been with the company since 2022. Prior to joining Insurify, Sara completed her undergraduate degree in English Literature at Simmons University in Boston. At Simmons, she was the Editor-in-Chief for Sidelines Magazine (a literary and art publication), and wrote creative non-fiction.
Outside of work, Sara is an avid reader, and loves rock climbing, yoga, and crocheting.
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Table of contents
Like most states, Maine requires all drivers to meet minimum car insurance requirements.
In addition to 50/100/25 limits for liability insurance, Maine drivers must purchase medical payments (MedPay) and uninsured motorist coverage. Here’s how much coverage you need in Maine and how to find the cheapest coverage.
Maine car insurance requirements
Every state except New Hampshire requires drivers to carry minimum liability coverage for property damage and bodily injury. Maine also requires drivers to carry medical payments coverage and uninsured/underinsured motorist coverage. You also have to provide proof of insurance before you can register your vehicle.
Maine requires the following coverages and amounts:[1]
Coverage  | Minimum Requirements |
|---|---|
| Bodily injury liability | $50,000 per person / $100,000 per accident |
| Property damage liability | $25,000 |
| Medical payments coverage | $2,000 per person |
| Uninsured/underinsured motorist coverage | $50,000 per person / $100,000 per accident |
Liability coverage
Liability coverage pays for the medical costs and property damages other drivers sustain in an accident you cause. It doesn’t pay for your medical expenses and auto repair costs.
Liability insurance includes two types of coverages — bodily injury and property damage. Bodily injury liability covers the other parties’ injuries or medical bills, and property damage liability pays for damage to vehicles, fences, buildings, and more.
Maine’s 50/100/25 liability coverage minimum limits are higher than many other state minimums. In Maine, you must carry at least $50,000 per person and $100,000 per accident for bodily injury liability. You also need at least $25,000 per accident for property damage liability. You can also purchase a single combined limit of $125,000 to meet the insurance requirements.
Medical payments coverage
Medical payments coverage pays for medical costs for you and your passengers after an accident. In Maine, you must carry at least $2,000 in medical payments coverage, though higher coverage limits are relatively inexpensive.
Uninsured/underinsured motorist coverage
Maine law requires you to carry at least $50,000 per person and $100,000 per accident in uninsured/underinsured motorist coverage. If an uninsured driver or a driver who doesn’t have high enough coverage causes an accident, this insurance comes in. It also kicks in for hit-and-runs and if a car hits you as a pedestrian.
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Do you need more than state-minimum coverage in Maine?
In Maine, minimum coverage pays for any damages and medical costs the other driver incurs in an accident you cause, as well as your medical costs. But you’re responsible for paying for repairs to your car.
In comparison, full-coverage insurance includes liability, comprehensive, and collision insurance. Collision insurance pays for damages to your vehicle from a crash with another car or object. Comprehensive insurance pays for any damages from vandalism, theft, falling objects, or severe weather.
Full-coverage insurance provides you with the most protection if you’re involved in a car accident, but it also costs more. On average, Maine drivers pay $147 per month for full coverage compared to $82 per month for liability-only insurance.
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Why Is My Car Insurance So High? (2025)
Penalties for driving without proof of insurance in Maine
It’s illegal to drive without car insurance in Maine. If a law enforcement officer asks you to show proof of insurance at a traffic stop and you can’t, you may receive one or more of the following penalties:[2] [3]
Fines: You may have to pay a fine of $100 to $500.
License and registration suspension: If you can’t show proof of insurance within 30 days, the state may suspend your license and registration.
SR-22 filing: An SR-22 filing shows you meet the minimum insurance requirements, and it’s sometimes mandatory after driving without insurance. Maine only accepts SR-22 filings from companies licensed to sell insurance in Maine.
Reinstatement fees: Once you meet the insurance requirements, you’ll need to pay a fee to reinstate your license and registration.
Cheapest liability-only car insurance in Maine
Liability insurance protects you if you’re financially responsible for another driver’s injuries or for repairing their car. Liability insurance won’t cover your property damage but will pay for legal fees, up to the policy limits, if another party sues you.
On average, Maine drivers pay $82 per month for liability-only coverage, but your costs will depend on your driving history, age, ZIP code, vehicle, and insurance company.
The following table outlines the cheapest liability-only insurance companies for Maine drivers.
The below rates are estimated rates current as of: Monday, June 16 at 12:00 PM PDT.
Insurance Company | Average Monthly Quote |
|---|---|
| USAA | $40 |
| State Farm | $42 |
| Progressive | $50 |
| Allstate | $63 |
| GEICO | $63 |
| Safeco | $68 |
| Travelers | $72 |
| Direct Auto | $78 |
| National General | $80 |
| Dairyland | $94 |
| Bristol West | $96 |
| The General | $97 |
| Liberty Mutual | $126 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest full-coverage car insurance in Maine
Full-coverage car insurance includes liability, comprehensive, and collision insurance. It provides the most coverage and pays for car damages and injuries you and the other driver sustain, regardless of fault.
In Maine, full-coverage insurance costs $147 per month, making it more expensive than liability-only coverage. But Maine’s average cost of full-coverage insurance is less than the national average of $195 per month.
You can save on your premiums by shopping around and comparing auto insurance quotes from different insurers. Here are the cheapest full-coverage quotes in Maine.
The below rates are estimated rates current as of: Monday, June 16 at 12:00 PM PDT.
Insurance Company | Average Monthly Quote |
|---|---|
| Progressive | $69 |
| USAA | $78 |
| State Farm | $82 |
| GEICO | $83 |
| Safeco | $107 |
| Allstate | $123 |
| Travelers | $142 |
| Direct Auto | $143 |
| National General | $152 |
| The General | $168 |
| Bristol West | $189 |
| Liberty Mutual | $196 |
| Dairyland | $255 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
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Optional car insurance coverages to consider
In addition to the minimum car insurance requirements in Maine, you may want to consider the following optional coverages for more protection:
Comprehensive coverage
Comprehensive insurance pays for damages from a non-collision event, like vandalism, theft, or severe weather. Maine is vulnerable to severe summer storms, making comprehensive coverage an important add-on.
Collision coverage
Collision insurance pays for damages from an accident with another vehicle or object, like a tree or light pole.
Gap coverage
Gap insurance covers the difference between an insurance payout and your auto loan balance after a total loss.
Accident forgiveness coverage
Accident forgiveness prevents a rate increase after your first at-fault accident. But you’ll usually need a good driving history to be eligible.
Roadside assistance coverage
Roadside assistance is a service that helps drivers if their car breaks down unexpectedly. For example, you can contact roadside assistance if you get a flat tire or need someone to jump-start your battery. It also covers the cost of towing your vehicle to a repair shop.
Rental reimbursement coverage
If you’re involved in a car accident and your vehicle needs repairs, you may need to use a rental car for several weeks or months while your car is in the shop. Rental reimbursement covers some of the daily costs of using a rental car, depending on your policy.
Maine car insurance requirements FAQs
Driving without insurance in Maine has serious consequences, so it’s important to ensure you have the right coverage. Here’s some more information about Maine car insurance laws.
Does Maine require car insurance?
Yes. Maine requires all drivers to have at least $50,000 per person and $100,000 per accident in bodily injury liability and $25,000 per accident in property damage liability. Alternatively, you can choose a single combined limit of $125,000.
You also must have at least $2,000 in medical payments coverage and $50,000 per person and $100,000 per accident in uninsured motorist coverage.
Do you need car insurance to register a car in Maine?
Yes. You must meet the minimum insurance requirements and show proof of insurance to register a vehicle in Maine. If you drive without insurance, you could lose your license or have to pay fines. Once you lose your license, you’ll need an SR-22 filing to reinstate your driving privileges.
Do you need to add your child with a permit to your car insurance in Maine?
Yes, once your teen driver receives their driver’s permit, you’ll need to add them to your car insurance. Insuring a teen driver can be expensive, but your teen can find lower auto insurance rates by taking advantage of good student discounts and enrolling in a driver’s education course.[4]
Does insurance follow the car or the driver in Maine?
Insurance typically follows the vehicle, not the driver. That means if you lend your car to a friend and they cause an accident, your insurance policy covers the damages. The only exception to this rule is if someone took your car without your permission.
Do you need to get your car inspected before registering in Maine?
No, you don’t need to get your car inspected before registering it. Maine requires a bill of sale, the vehicle title, proof of insurance, and an excise tax receipt to apply for registration. Maine does require cars to be inspected annually.[5]
What happens if you drive without insurance in Maine?
In Maine, driving without insurance can result in fines and license and registration suspension. You may also need to pay reinstatement fees to get your license and registration back and will need an SR-22 certificate.
Methodology
Insurify data scientists analyzed more than 90 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 500+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.
Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).
Liability-only premium averages correspond to policies with the following coverage limits:
- Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
- Property damage limits between $10,000 and $50,000
- No additional coverage
- Comprehensive coverage with a $1,000 deductible
- Collision coverage with a $1,000 deductible
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
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Sources
- Maine Bureau of Insurance. "Insurance Required by Law."
- Maine Legislature. "1601. Required maintenance of financial responsibility."
- Maine Bureau of Insurance. "Auto Insurance FAQs."
- MAINE BUREAU OF INSURANCE. "Insuring Youthful Drivers."
- Maine.gov. "Register A Passenger Vehicle."
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Jamie Johnson
Jamie Johnson is a Kansas City-based personal finance writer whose work has been featured on several of the top finance and business sites in the country, including Insider, Credit Karma, Bankrate, Rocket Mortgage, Fox Business, Quicken Loans, and The Balance. For the past six years, she's dedicated more than 10,000 hours of research and writing to more than 2,000 articles about personal finance topics.
Jamie has been a contributor at Insurify since October 2022.
Sara Getman is an Associate Editor at Insurify and has been with the company since 2022. Prior to joining Insurify, Sara completed her undergraduate degree in English Literature at Simmons University in Boston. At Simmons, she was the Editor-in-Chief for Sidelines Magazine (a literary and art publication), and wrote creative non-fiction.
Outside of work, Sara is an avid reader, and loves rock climbing, yoga, and crocheting.