Car insurance in Maine
Maine is a at-fault state with a minimum liability requirement of50/100/25. Here's what that means, what it costs, and what to check before you buy.
What the minimums actually mean
$50,000 per injured person, $100,000 total per accident for injuries, and $25,000 for property damage (or a $125,000 combined single limit), plus mandatory $2,000-per-person medical payments coverage.
Both UM and UIM are mandatory, at 50/100 - matching the bodily-injury liability limits.
Estimated cost
Illustrative estimate: roughly $420/year for minimum coverage - among the cheapest in the nation.
Why this is a range, not a quote
SR-22 & high-risk filings
Typically required after a DUI, driving uninsured or unlicensed, or multiple violations.
Local conditions worth knowing
Maine has a well-documented high rate of deer and moose vehicle collisions on rural, wooded roads, a genuine comprehensive-coverage risk tied to the state's geography.
Frequently asked
- What is the minimum car insurance requirement in Maine?
- Maine requires liability limits of at least 50/100/25. $50,000 per injured person, $100,000 total per accident for injuries, and $25,000 for property damage (or a $125,000 combined single limit), plus mandatory $2,000-per-person medical payments coverage.
- Is Maine an at-fault or no-fault state?
- Maine is an at-fault at-fault state for car insurance claims.
- Do I need an SR-22 in Maine?
- Typically required after a DUI, driving uninsured or unlicensed, or multiple violations.
- Is uninsured motorist coverage required in Maine?
- Both UM and UIM are mandatory, at 50/100 - matching the bodily-injury liability limits.
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