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Maine Car Insurance


Maine has high requirements for car insurance, and in return it has very inexpensive state car insurance rates. Even so, the place you live and the insurance company you choose can make a difference of hundreds of dollars a year. Comparable rates for every city and town in Maine are mapped out below.

Maine Car Insurance Requirements
Average Car Insurance Rates in Maine
Car Insurance Companies in Maine

Maine car insurance requirements

Maine state law requires the following minimum car insurance coverage:
Minimum bodily injury liability $50,000/$100,000
Minimum property damage liability $25,000
Uninsured/underinsured motorist bodily injury $50,000/$100,000
Medical payments $2,000

What you need to know about car insurance in Maine

Penny Gusner
Consumer Analyst

Maine requires a lot of coverage for its motorists -- not just liability coverage, as most states mandate, but uninsured motorist and medical payments (MedPay) as well. Its liability requirements of $50,000 per person, up to $100,000 per accident, and $25,000 for property damage tie with Alaska as the highest in the nation.

What is amazing is that with all the coverages required on a Maine auto policy, the cost of Maine car insurance is consistently among the lowest in the country.

Low-cost car insurance is likely one reason that Maine has just 4 percent of its motorists driving uninsured, according to the Insurance Research Council's list. At the other end of the uninsured drivers list is Mississippi, with 28 percent uninsured.

Maine Car Insurance Laws

Need proof for registration: When registering a passenger vehicle in Maine, you need to provide proof of auto insurance using your insurance identification card, policy or binder. Penalties for driving without registration in Maine are quite steep.

Uninsured motorist penalties: You may be fined $100 to $500, your license and registration may be suspended and you may be required to file an SR-22 form.

Vehicle inspection: Getting caught driving without an inspection sticker is punishable by a fine of not less than $25 nor more than $500 or by imprisonment for not more than 30 days or both. If your car fails an inspection, you can drive until your expiration date, but there is no grace period past that.

Crash reports online: If you need a copy of an accident report, you can online at the Maine State Police website. The search is free; however, if you find a match and want to request a copy, a payment of $10 will be due.

Cancellation: During the initial 60 days of your Maine car insurance policy your insurer can cancel for nearly any reason. Once you're beyond the 60 day limit, Maine law permits auto insurers to consider a midterm cancellation of your policy based only on one of the following reasons:

  • Failure to make a premium payment. Pay on or before due date. There is no grace period in Maine.
  • Fraud or material misrepresentation that affects the policy or a claim. Failure to comply with the terms and conditions of your policy also falls under this category.
  • Suspension of license. With a few exceptions, Maine law permits auto insurers to cancel your policy if you or other household operators have had a license suspension during the policy period or within 180 days its last renewal.

Electronic proof of insurance: Maine allows drivers to show proof of insurance during a traffic stop on a smartphone. It is one of 31 states that does so.

Largest car insurance companies for Maine by market share

Rank Company / Group Direct Premiums Written ($) Market Share (%)
1 State Farm Group 83,634 13.63
2 Progressive Insurance Group 82,428 13.43
3 Liberty Mutual Insurance Companies 59,588 9.71
4 Berkshire Hathaway Insurance 50,105 8.17
5 Allstate Insurance Group 49,371 8.05
6 Concord Group Insurance Pool 32,036 5.22
7 USAA Group 24,632 4.01
8 MetLife Personal Lines Group 21,207 3.46
9 Travelers Group 19,993 3.26
10 Tower Group Companies 19,590 3.19
Source: A.M. Best market share Rankings are based on direct premiums written in 2013.