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Maine Auto Insurance

Here's what you need to know...
  • Maine state law mandates two types of auto insurance
  • Compared to most states, Maine’s minimum requirements for auto insurance are higher
  • Auto insurance discounts are available in Maine, so be sure to check

What are the Maine car insurance requirements for legal vehicle operation? In most states, drivers are required to have some sort of insurance that will protect them and their assets if there is an accident.

In most states, drivers are required to have some sort of insurance that will protect them and their assets if there is an accident.

At the very least many states require that drivers carry liability insurance, so that if they cause an accident, the other drivers can receive compensation for any injuries or damage that are incurred.

Maine is different from most of the states in that it requires drivers to carry both liability and uninsured/underinsured motorist insurance.

Read through this Maine car insurance coverage guide and then enter your zip code above to start comparing Maine car insurance options!

What Will Maine Auto Insurance Policies Cover?

Car (automobile) insurance and collision damage waiver concepts. Businessman with protective gesture and icon of car.

If this is the first time that you are purchasing a car insurance policy in Maine, it’s important for you to not only understand the state’s insurance requirements but also what kind of expenses this required coverage will take care of in the event of an accident.

Liability coverage will take care of:

  • Bodily damage (medical expenses) to another driver
  • Property damage to the other driver and passengers if you cause the accident

Uninsured/underinsured motorist insurance will take care of:

  • Medical expenses and repairs to your vehicle in the event that you’ve found yourself in an accident caused by a driver without liability insurance

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Minimum Maine Car Policy Requirements

Comparing Maine car insurance quotes and policies can be overwhelming work. Don’t make it more complicated by getting rates for policies that far exceed or don’t meet the minimum state requirements.

For the state of Maine, the insurance minimums are:

  • $50,000 for the medical expenses of a single driver
  • $50,000 for the combined medical expenses of all occupants of a vehicle
  • $25,000 for any of the property damage that results from the accident, including any of the repairs that will be needed for the victim’s vehicle

Maine has higher insurance minimums than many other states. So if you are moving to Maine from another location, you might have to brace yourself for an increase in your premiums.

However, there are discounts available from many major insurance companies for meeting certain criteria, such as:

  • Being a homeowner
  • Ordering your policy online
  • Having a safe driving record

Be sure to ask about discounts before you purchase your policy.

Maine Auto Insurance Quotes

It’s easy to find and compare Maine car insurance quotes online by entering your zip code below. Get started now!

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