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Maine Car Insurance Rates

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

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

Maine Car Insurance Rates by ZIP Code & City

To learn more about the most and least expensive cities for car insurance, click the link below.
Top Cities
Car insurance rate comparison >
Priciest Neighborhoods
In Maine
  • 04684: $827
  • 04616: $827
  • 04658: $827
  • 04617: $827
Cheapest Neighborhoods
In Maine
  • 04105: $730
  • 04021: $734
  • 04074: $735
  • 04735: $736

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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, as most states mandate, but uninsured motorist and medical payments 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 list is Mississippi, with 28 percent uninsured.

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.

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, other household operators have had a license suspension during the policy period or within 180 days its last renewal.