Car insurance in Maine
Maine is an at-fault state with a minimum liability requirement of 50/100/25. 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
$425 a year for minimum coverage, $1,687 for full coverage2
Average annual premiums in Maine for a 40-year-old with a clean record and good credit, driving a 2023 Toyota Camry. Full coverage here means 100/300/50 liability plus collision and comprehensive.
Why this is an average, 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 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.
Sources
- MoneyGeek, Minimum car insurance requirements by state, October 1, 2026.
- Bankrate, using Quadrant Information Services rates (November 2025), Average cost of car insurance, updated June 5, 2026.
Figures checked against these sources on October 2, 2026.
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