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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.

White car with severe front-end collision damage showing crumpled hood and broken headlight after accident

Updated March 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.

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.

Minimum Coverage
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
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
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.

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.

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Find Your City in Maine

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Portland

urban
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Lewiston

suburban
Aerial view of autumn coastline with colorful fall foliage on rocky cliffs meeting calm gray water

Bangor

urban
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Auburn

suburban
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Augusta

urban

Frequently Asked Questions

Sources

  • Maine Bureau of Insurance - www.maine.gov/pfr/insurance
  • Maine Bureau of Motor Vehicles insurance requirements documentation
  • Insurance Information Institute state profile data

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