Maine Auto Insurance: Minimum Coverage & Rates
Maine requires 50/100/25 liability coverage and is an at-fault state.
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Maine at a Glance
50/100/25
Minimum liability limits, in thousands of dollars (per person / per accident / property)
At-fault
The at-fault driver's insurance pays for the damage they cause
Required
PIP and Uninsured motorist coverage must be on every policy
Source: state DMV, insurance department and statute records, verified July 2026
State Requirements
Maine operates as a traditional tort state where the at-fault driver is financially responsible for injuries and damage. All drivers must carry proof of insurance and file it with the Bureau of Motor Vehicles.
Bodily Injury Liability
Property Damage Liability
Medical Payments Coverage
Uninsured/Underinsured Motorist Coverage
Collision Coverage
Comprehensive Coverage
Cost Overview
$40–$75/mo
Typical monthly rate in Maine, minimum-coverage policies
Rate data: NerdWallet, ValuePenguin and Insurify, 2026
Find the Lowest Rate That Still Protects You
Find Your Lowest RateFrequently Asked Questions
Is Maine a no-fault state for car insurance?
No, Maine is a traditional tort state where the at-fault driver is financially responsible for injuries and damage. This means if you cause an accident, the other party can sue you for medical costs, lost wages, and pain and suffering beyond your policy limits. Maine does require medical payments coverage, but this pays your own passengers regardless of fault, not third-party claims.
Coverage Types
Liability Insurance
Maine's 50/100/25 minimum is higher than most states, but a serious injury crash can generate medical bills exceeding $100,000. Increasing to 100/300/50 costs $15–$25/month and protects your savings and wages from lawsuit judgments.
Full Coverage
Combines liability, medical payments, uninsured motorist, collision, and comprehensive. Only financially rational if your vehicle is worth more than $6,000 or a lender requires it — otherwise annual premiums can exceed your car's replacement value.
Collision Coverage
Repairs your vehicle after an accident regardless of fault, minus your deductible. For a $3,500 car with $500 deductible, you pay $400–$650/year to protect a maximum $3,000 claim — break-even occurs in 5–8 years if you never file a claim.
Comprehensive Coverage
Covers theft, vandalism, weather damage, and animal strikes. Maine records over 3,000 deer collisions per year, concentrated in rural areas during fall mating season, but comprehensive costs $180–$280/year even with a $500 deductible.
Uninsured Motorist Coverage
Mandatory in Maine at 50/100/25 limits unless rejected in writing. Covers your injuries and damage when hit by an uninsured driver or in hit-and-run crashes where the at-fault party is never identified.
SR-22 Insurance
Not a coverage type but a state filing proving you carry minimum insurance after DUI, suspended license, or multiple violations. Maine requires SR-22 for 3 years, and the filing fee is $25–$50, though your underlying premium may increase 50–80% due to high-risk classification.