Comparing auto insurance in Maine is most useful when you account for state rules, local claims patterns, and the coverage options that protect your own vehicle as well as other drivers.
Maine drivers may want to consider comprehensive coverage because winter weather, coastal storms, flooding, falling branches, theft, vandalism and wildlife collisions can create losses that basic liability insurance will not cover.
Maine average rates are among the lower rates in the country, but premiums can still increase after a speeding ticket, at-fault accident, DUI conviction, SR-22 filing or poor credit.
50/100/25
Maine requires at least $50,000 bodily injury liability per person, $100,000 bodily injury liability per accident, and $25,000 property damage liability. A combined single limit of $125,000 also satisfies the minimum liability requirement. Maine also requires at least $2,000 per person in medical payments coverage and uninsured/underinsured motorist coverage of at least $50,000 per person and $100,000 per accident.
At Fault
Offer/Rejection Rule
PIP is not required in Maine. Maine is not a no-fault state, but it does require at least $2,000 per person in medical payments coverage.
Required
Maine requires uninsured/underinsured motorist coverage of at least $50,000 per person and $100,000 per accident. If a driver buys liability limits higher than the minimum, Maine generally requires the UM/UIM limit to equal the liability limit unless the higher UM/UIM limit is rejected in writing.
Source: Maine Bureau of Insurance
Recent rate data estimates Maine annual auto insurance premiums at about $1,687 for full coverage and $425 for minimum coverage.
| Driver Profile | Estimated Annual Premium | Estimated Monthly Premium |
|---|---|---|
| State minimum coverage | $425 | $35 |
| Full coverage | $1,687 | $141 |
| Full coverage with speeding ticket | $2,087 | $174 |
| Full coverage after at-fault accident | $2,408 | $201 |
| Full coverage after DUI | $3,139 | $262 |
| Full coverage with poor credit | $3,545 | $295 |
Bankrate, 2026
Source: Bankrate
Average rates are sample premiums and will vary by ZIP code, driver profile, vehicle, coverage limits, deductibles, credit tier and insurer.
Maine minimum coverage focuses on required protection such as Maine requires at least $50,000 bodily injury liability per person, $100,000 bodily injury liability per accident, and $25,000 property damage liability. A combined single limit of $125,000 also satisfies the minimum liability requirement. Maine also requires at least $2,000 per person in medical payments coverage and uninsured/underinsured motorist coverage of at least $50,000 per person and $100,000 per accident.. Minimum coverage may satisfy state rules, but it usually does not repair or replace your own vehicle after many losses.
Some drivers need a financial-responsibility filing or high-risk auto insurance after serious violations, coverage lapses, or license-related issues. The form name, filing trigger, and required duration vary by state.
Maine may require an SR-22 certificate of insurance after certain financial responsibility issues, judgment suspensions, uninsured accidents or court-related requirements. The Bureau of Motor Vehicles directs drivers to its Financial Responsibility unit for SR-22, judgment suspension and evidence-of-insurance requirements.
Maine does not use FR-44 filings.
High-risk insurance may cost more, but comparing quotes can help you review available options.
Adding a teen driver to your Maine auto insurance policy typically increases premiums because newer drivers have less experience. Good student, driver training, safe driving, and household policy discounts may help reduce the cost when available.
Compare quotes when adding a teen driver because companies can rate household drivers and vehicles differently.
Insurance partners may offer various discounts to Maine drivers, including:
Ask about bundling, safe-driver, paid-in-full, good-student, multi-policy, multi-vehicle, low-mileage and telematics discounts. Maine also requires auto insurers to provide a mature-driver discount on eligible coverages for drivers age 55 and older who complete an approved motor vehicle accident prevention course, subject to eligibility rules.
Ask about available discounts when comparing quotes.
| Rank | Carrier |
|---|---|
| 1 | Geico |
| 2 | State Farm |
| 3 | USAA |
| 4 | Countryway Insurance |
| 5 | MMG |
Carrier pricing and availability vary by ZIP code and driver profile. USAA eligibility is limited to military members, veterans and qualifying family members.
Find auto insurance in these major Maine cities:
Maine requires 50/100/25 liability coverage: $50,000 bodily injury liability per person, $100,000 per accident and $25,000 property damage liability. Maine also requires at least $2,000 per person in medical payments coverage and uninsured/underinsured motorist coverage of at least $50,000 per person and $100,000 per accident.
No. Maine is an at-fault state, so the driver who causes a crash can be held financially responsible for injuries and property damage.
No. PIP is not required in Maine. However, Maine does require at least $2,000 per person in medical payments coverage.
Yes. Maine requires uninsured/underinsured motorist coverage of at least $50,000 per person and $100,000 per accident.
Bankrate lists Maine’s average annual cost at $1,687 for full coverage and $425 for minimum coverage. Actual quotes depend on ZIP code, driving record, vehicle, coverage limits, deductibles, credit tier and insurer.
Maine may require an SR-22 certificate after certain financial responsibility issues, judgment suspensions, uninsured accidents or court-related requirements. Drivers should follow the notice they receive from the Bureau of Motor Vehicles or the court.
Important: A-1 Auto Insurance connects consumers with insurance quote partners. We are not a licensed insurance company or agent. The quotes you receive are from our partner insurance providers. By submitting your information, you consent to be contacted by our partners regarding insurance products and services.
Coverage availability, pricing, and requirements vary by state and individual circumstances. The information on this page is for general guidance only and is not legal advice. Check current state insurance department or DMV requirements before buying minimum-only coverage.
