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Maine Auto Insurance: Minimum Coverage & Rates

Maine requires 50/100/25 liability coverage — $50,000 per person and $100,000 per accident for bodily injury, plus $25,000 for property damage. Minimum coverage costs $90–$130/month for most drivers, while full coverage averages $180–$240/month. Medical payments and uninsured motorist coverage are also mandatory.

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Non-Standard Auto · SR-22 · Senior · Teen Drivers

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Updated May 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. Maine is one of few states requiring both medical payments coverage and uninsured/underinsured motorist protection at minimum liability limits, adding approximately $15–$25/month to the base premium compared to liability-only states.

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50/100 — $50,000 per person, $100,000 per accident
Bodily Injury Liability
Pays medical bills, lost wages, and legal costs when you injure someone in an at-fault accident. Maine's $50,000 per-person minimum exceeds many states but can be exhausted quickly in serious injury crashes — a single emergency room visit with surgery can exceed $40,000. The difference between state minimum and $100,000 per person adds approximately $8–$15/month but protects against wage garnishment if you're sued.
$25,000 per accident
Property Damage Liability
Covers damage you cause to another vehicle, fence, building, or structure. The $25,000 limit may seem adequate, but totaling a newer SUV or pickup truck — common in Maine — can easily exceed this amount, leaving you personally liable for the difference. Increasing to $50,000 property damage costs roughly $5–$10/month and eliminates most out-of-pocket exposure in multi-vehicle accidents.
$2,000 minimum
Medical Payments Coverage
Pays medical expenses for you and your passengers regardless of fault — unique because Maine is one of only a handful of tort states mandating this coverage. This $2,000 minimum covers initial emergency care but exhausts quickly if hospitalization is needed. Many drivers on tight budgets keep this at the state minimum since health insurance typically provides primary coverage.
50/100/25 — matches liability limits
Uninsured/Underinsured Motorist Coverage
Protects you when hit by a driver with no insurance or insufficient coverage to pay your claim. Maine law requires this at the same limits as your liability coverage unless you reject it in writing, reflecting the state's approximately 4.5% uninsured driver rate. This mandatory coverage adds $12–$20/month but is your only financial protection in hit-and-run accidents or crashes with uninsured tourists traveling Route 1 or I-95.
Not required
Collision Coverage
Pays to repair your vehicle after an accident regardless of fault, minus your deductible. For drivers with vehicles valued under $3,000–$4,000, annual collision premiums ($400–$700/year) often exceed the maximum claim payout, making this coverage financially inefficient. If you're driving a paid-off older vehicle and can afford to replace it out-of-pocket, dropping collision saves $35–$60/month.
Not required
Comprehensive Coverage
Covers non-collision damage from theft, weather, animals, vandalism, and falling objects. Maine's rural areas see elevated deer strike claims — particularly in October and November along Routes 2, 4, and 201 — but comprehensive with a $500 deductible costs $180–$280/year. For vehicles worth less than $5,000, the premium-to-value ratio makes this optional coverage a poor investment unless you park in high-theft urban zones.
State-Mandated Minimum Coverage · Maine

Maine Minimum Coverage

CoverageMinimum
Bodily Injury (per person)$50,000
Bodily Injury (per accident)$100,000
Property Damage$25,000

License Reinstatement Fee$50

Meeting the state minimum keeps you legal. See whether it's enough — get your Maine quote.

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Cost Overview

Maine's mandatory medical payments and uninsured motorist requirements push minimum coverage costs 15–20% higher than neighboring New Hampshire, which has no mandatory insurance. Portland and Bangor metro drivers pay 25–35% more than rural areas due to higher collision frequency and theft rates.

What Affects Your Rate

  • Portland drivers pay $140–$190/month for minimum coverage compared to $85–$115/month in rural Aroostook County due to 40% higher accident frequency in the metro area.
  • Drivers over 55 with clean records save 12–18% compared to under-25 drivers, with minimum coverage dropping to $75–$105/month for seniors in low-density areas.
  • A single at-fault accident raises premiums by 30–45% for three years, increasing minimum coverage costs by approximately $25–$45/month.
  • Comprehensive claims for animal strikes — Maine averages over 3,000 reported deer collisions annually — don't typically raise rates but require carrying optional comprehensive coverage at $15–$25/month.
  • Vehicles over 10 years old see collision premium reductions of 50–60% compared to new cars, but the coverage still costs $30–$50/month even on a $3,000 vehicle, often exceeding its replacement value within 2–3 years.
  • Credit-based insurance scores impact rates by 25–40% in Maine, with drivers in the lowest tier paying $115–$165/month for minimum coverage versus $75–$95/month for excellent-credit drivers with identical records.
Minimum Coverage
$90–$130/mo
Includes 50/100/25 liability, $2,000 medical payments, and matching uninsured motorist coverage. This tier meets legal requirements but leaves you fully exposed if your vehicle is damaged, and the property damage limit may not cover total loss of newer vehicles you hit.
Standard Coverage
$125–$175/mo
Adds 100/300/50 liability limits and $5,000 medical payments. Best for drivers with vehicles under $5,000 in value who want stronger protection against lawsuits but still avoid collision and comprehensive premiums.
Full Coverage
$180–$240/mo
Includes higher liability limits plus collision and comprehensive with $500–$1,000 deductibles. Only cost-effective if your vehicle is worth more than $6,000 or you're financing and the lender requires physical damage coverage.

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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.

Find Your City in Maine

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Portland

urban
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Lewiston

suburban
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Bangor

urban
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Auburn

suburban
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Augusta

urban

Frequently Asked Questions

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