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Car Insurance in Maine (Updated May 2024)

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Maine Car Insurance Quotes

Car insurance costs are up 22% from a year ago, with some states seeing even higher increases than others. Looking at Maine however, drivers are paying 37% less for car insurance than the national average, with Full Coverage costing Maine drivers an average of $118 per month

Similar to other states, the rates in Maine can vary widely by specific cities and zip codes as accident rates, car-related crime, and even weather can have significant influence over a driver's risk profile. Of course, a driver's profile also impacts the total cost of coverage, with age, driving history, and even credit score being some of the major factors evaluated by insurance providers. 

We partner with insurance experts to analyze millions of data points and get you the best car insurance in Maine. Read on to learn more about properly insuring your car in Maine. 

If you're ready for personalized recommendations, submit your ZIP code above and compare options instantly - absolutely free. 


Maine Car Insurance Laws

Maine requires all drivers to have car insurance. The state's insurance requirements are more stringent than those in many other states, reflecting its commitment to ensuring all drivers are adequately protected.

Maine’s car insurance minimums are:

  • $50,000 for bodily injury per person
  • $100,000 for bodily injury per accident
  • $25,000 for property damage
  • $2,000 for medical payments per person
  • $50,000 per person and $100,000 per accident for uninsured/underinsured motorist coverage

Maine's approach, with its inclusion of medical payments and uninsured/underinsured motorist coverage as part of the minimum requirements, is designed to provide a more comprehensive safety net compared to many other states​​​​​​.

Proof of Insurance

There is no grace period for obtaining car insurance in Maine. ” 


Driving without insurance in Maine can result in fines ranging from $100 to $500, suspension of your driver's license and vehicle registration, and the requirement to carry an SR-22 certificate for up to three years. To reinstate your driving privileges, you'll face various fees, including a reinstatement fee, license fee, and registration fee​​.

There is no grace period for obtaining car insurance in Maine, so you'll want to make sure you have proper coverage before getting behind the wheel of a new car.

Frequently Asked Questions
What is the quickest way to reduce my insurance premium in Maine?
The quickest and easiest way to reduce your insurance premium is to take advantage of discounts related to your account setup. Depending on the insurance provider, setting up Electronic Funds Transfer (EFT), signing up for Paperless billing, and paying your policy in-full can reduce your cost by 4% to 9% instantly.
What is the most common insurance discount in Maine?
The most common insurance discount is signing up for Paperless billing. We have seen discounts range from 3% up to 11% depending on the policy. It is important to note that not all carriers offer this discount and those that do might have rules of when it can be applied (usually around the start of your policy term).
How much will I save switching insurance providers in Maine?
How much you can save by switching carriers can vary widely by location, time of year, and your driving record. While some carriers offer a median discount of 6 - 7% for policy renewals, recent research suggests that you can save anywhere between 10 - 20% by switching to a new carrier. The best way to secure the highest savings on your policy is by shopping often and connecting with a licensed agent.


🔍 Auto Insurance Methodology - Premiums are sourced from over 30,000 zip codes across 200 insurance companies. We estimate premiums based on policies seeking 50/100 in liability with $500 deductibles for collision and comprehensive coverage. Rates are based a 35-year-old single female with a good credit score and no history of accidents or violations driving a 2023 Toyota RAV4 LE. We assume no unique benefits or discounts are applied for these rates. Your own rates may be different.