Maine car insurance quick facts
Minimum liability requirements
50/100/25
Average annual car insurance cost according to the NAIC
$782.72
At-fault state
In at fault states, the driver who caused the accident pays for damages.
Finder may earn compensation from partners, but editorial opinions are our own. Advertiser Disclosure
Compare car insurance in Maine
Get the cheapest car insurance in Maine for 2021
The average annual cost of car insurance in Maine is $782.72. Narrow down car insurers offering coverage in Maine by roadside assistance, accident forgiveness and more to get a quote.
Many drivers in Maine pay less than $782.72 annually or about $65 per month for car insurance, according to the National Association of Insurance Commissioners (NAIC). Maine ranks as one of the cheapest states in the country for auto insurance, costing 34% less than the national average of $1,190 per year.
However, the NAIC’s auto insurance data takes in to account policies both with state minimum coverage and added coverage like comprehensive and collision. Because insurance rates are set based on many factors like your driving record and car, you could wind up with a different rate than Maine’s state average.
Maine’s state minimum car insurance requirements
To legally drive in Maine, you’re required to carry liability insurance as well as uninsured or underinsured motorist and medical expenses coverage. You may see the amount of coverage required written as 50/100/25.
These numbers are called the coverage limits, which are the maximum amounts that your insurance will pay after an accident. You also can choose a policy with a single limit of $125,000 that covers both injuries and property damage, called a combined single limit policy.
Let’s go into detail about what’s covered under this state minimum coverage.
Bodily injury liability
- $50,000 for bodily injuries to one person
- $100,000 for injuries to two or more people
In Maine, you’ll need at least 50/100 in bodily injury liability, which pays up to $50,000 if you injure one person and up to $100,000 total if you injure more than one person in an at-fault accident. These limits are some of the highest required compared to other states. The coverage gives many drivers ample protection to pay for someone else’s medical bills or pain and suffering.
You might consider higher limits if you have a high net worth or significant assets — talk with your insurance agent about your specific needs. As an alternative, consider choosing the combined single limit policy which pays up to $125,000 total for accident damage, no matter how much the individual medical bills or car repairs cost.
This option gives you higher protection for most accidents than the standard 50/100/25 liability limits. However, the standard limits may provide higher coverage for severe accidents in which the other driver’s car is totaled and multiple people get injured. For the most protection, you could choose the combined single limit and pay extra for a higher limit than is required.
Property damage liability
- $25,000 for property damage liability
Maine requires $25,000 for property damage liability, an amount that’s standard across other states’ requirements. This coverage pays for damage to the other driver’s car or personal property like a smartphone or property owner’s fencing.
Think about buying a higher limit to avoid paying out of pocket if car or property damage costs more than your insurance will pay.
Personal injury protection
- $2,000 in medical expenses coverage to help with accident-related medical bills
Driving on Maine’s roads also means that you need medical expenses coverage. This coverage pays for medical bills for you or your passengers, including paying health insurance deductibles and co-pays for accident-related injuries.
Uninsured or underinsured motorist
- $50,000 for uninsured motorist bodily injuries to one person
- $100,000 for uninsured motorist injuries to multiple people
Maine requires you to buy uninsured or underinsured motorist coverage to pay for your or your passengers’ medical expenses if you’re hit by a driver with little to no insurance. It also kicks in for hit-and-run situations.
You can opt out of this coverage if you reject it in writing, but consider keeping it for the extra protection it offers.
Finder tip: Maine’s state minimum isn’t enough coverage
While Maine keeps some of the highest requirements for liability coverage, it still may not give you enough protection for moderate to severe car accidents. Try raising your liability limits whether or not you choose the combined single limit, and consider optional coverage based on your budget.
Most popular Maine auto insurance companies list
| Company | Direct premiums written (billions) | Market share |
|---|---|---|
| Progressive | $113,711 | 14.9% |
| State Farm | $104,793 | 13.7% |
| Geico | $82,369 | 10.8% |
| Liberty Mutual | $65,962 | 8.6% |
| Allstate | $53,802 | 7.0% |
| USAA | $36,850 | 4.8% |
| MetLife | $29,311 | 3.8% |
| Concord Group Insurance | $29,160 | 3.8% |
| Travelers | $26,295 | 3.4% |
| The Hanover | $24,586 | 3.2% |
Cheapest car insurance in Maine
| Company | Average annual rate | Learn more |
|---|---|---|
| State Farm | $141 | |
| Patriot | $322 | |
| Geico | $385 | Get a quoteRead review |
| VA Farm Bureau | $394 | |
| USAA | $424 | Get a quoteRead review |
| Allstate | $479 | Get a quoteRead review |
| MMG | $543 | Get a quoteRead review |
| Travelers | $804 | |
| Electric | $2,078 |
Which city has the cheapest car insurance in Maine?
Of Maine’s largest cities, Bangor has the cheapest rates and Lewiston has the most expensive car insurance rates. Lewiston drivers could face rates 4 times more than Bangor drivers.
Car insurance quotes in Bangor
| Company | Annual car insurance rate |
|---|---|
| Allstate | $1271 |
| Geico | $1158 |
| State Farm | $362 |
| USAA | $1320 |
| Farm Bureau | $899 |
Car insurance quotes in Portland
| Company | Annual car insurance rate |
|---|---|
| Allstate | $1184 |
| Geico | $1165 |
| State Farm | $426 |
| USAA | $1283 |
| Farm Bureau | $888 |
Car insurance quotes in Lewiston
| Company | Annual car insurance rate |
|---|---|
| Allstate | $1230 |
| Geico | $1083 |
| State Farm | $382 |
| USAA | $1393 |
| Farm Bureau | $929 |
Car insurance quotes in South Portland
| Company | Annual car insurance rate |
|---|---|
| Allstate | $1184 |
| Geico | $1052 |
| State Farm | $372 |
| USAA | $1186 |
| Farm Bureau | $873 |
Car insurance quotes in Augusta
| Company | Annual car insurance rate |
|---|---|
| Allstate | $1212 |
| Geico | $1165 |
| State Farm | $402 |
| USAA | $1303 |
| Farm Bureau | $893 |
Can I get SR-22 insurance in Maine?
Yes, you can get SR-22 insurance in Maine. You might need this if you’ve been convicted of DUI, if you were caught driving without car insurance or if you’ve accumulated too many violation points on your record.
Bottom line
Afternoon drives in Maine are lovely and beautiful. But there’s something to be said for knowing you’re covered in the event of an emergency.
Get the best price on your car insurance by shopping around for the coverage — and discounts — that are right for you.
More guides on Finder
- Life insurance for people over 60
While it’s common for Americans in their 60’s to either be retired or approaching retirement, there still may be some beneficial value in investing in a life insurance policy. Compare your options and learn what type of policy will most fit your needs as someone over 60.
- How to beat financial stress by controlling your finances
Take control of your money stress by learning to prioritise and plan your financial goals.
- Waffle car insurance review
Access an intuitive app, wide coverage and few exclusions when Waffle’s car insurance drops in late July.
- Savvy car insurance review
This insurance shopping tool compares 100+ companies and prefills your quote forms.
- Car accident statistics
Find out which states have the most and the least deadly car accidents per vehicle miles driven.
- GM OnStar car insurance review
Existing users can get a discount, but coverage is only offered in Arizona for now.
- Lemonade car insurance review for 2021
Safe drivers and electric car owners could see cheap rates, but its claims process isn’t perfect.
- How does a VIN affect car insurance?
Learn how insurance companies use identifying info from your VIN to set rates.
- Compare full coverage vs. liability car insurance
Which type of car insurance policy fits your car and driving needs?
- What cars are made in America?
Check out the top 50 American car models, and find out what makes them American.