Maine Auto Insurance

Last updated : July 2024
Published By : Direct Auto

From state and national parks to cute, coastal towns, Maine has so much to offer. But whether you’re exploring downtown Portland or driving to Acadia National Park for a long weekend, affordable auto insurance coverage can help protect you, your loved ones, and your vehicle on every adventure around the “Pine Tree State.” So, take a few minutes to learn about cheap car insurance in Maine. Find out which coverages are mandatory, which ones are optional, and how a Direct Auto Insurance policy could be your cheap Maine car insurance solution. Get a free quote to see how much money you can save.

Maine Car Insurance Laws

Do you have to have car insurance in Maine?

Maine law requires drivers to have proof of financial responsibility, which is satisfied by purchasing an auto insurance policy that at least meets the state’s minimum coverage limits. Liability limits are typically expressed as three numbers representing thousands of dollars. For example, the liability limits in Maine are 50/100/25, as shown below under Maine Minimum Car Insurance Requirements.

In addition to liability coverage, Maine requires vehicle owners to carry uninsured/underinsured motorist bodily injury coverage and medical payments coverage.

Maine Minimum Car Insurance Requirements

Wondering what your insurance policy needs to fulfill Maine’s legal requirements? Here’s a quick breakdown by coverage type.

Coverages

Is It Required by Law?

Bodily Injury Liability Coverage provides financial protection if you cause an accident that injures another person. It helps pay for their medical expenses and your legal services (if necessary).

Yes. $50,000 bodily injury per person/$100,000 bodily injury per accident.

Property Damage Liability Coverage helps pay to repair or replace other people’s property that is damaged in an accident you cause. It typically involves damage to another vehicle, but it could help pay to repair a house, fence, mailbox, and more.

Yes. $25,000 property damage per accident.

Uninsured/Underinsured Motorist Coverage (UM/UIM) helps pay for your medical bills and related expenses if the other driver has no coverage (UM), insufficient coverage (UIM), or can’t be identified due to hit and run. In some states, UM/UIM can also help pay for property damage.

Yes. $50,000 UM/UIM bodily injury per person. $100,000 UM/UIM bodily injury per accident.

Medical Payments Coverage (Med Pay) helps pay for your medical and related expenses stemming from an accident, regardless of fault.

Yes. $2,000 medical payments coverage per person.

Collision Coverage helps pay to repair or replace your vehicle if you collide with another car, tree, guardrail, or another object, regardless of fault.

Not required.1

Comprehensive Coverage helps pay to repair or replace your vehicle if it’s damaged by something other than a collision, like fire, floodwaters, falling branches, vandalism, or contact with an animal.

Not required.1

IMPORTANT NOTE: While purchasing liability coverage, UM/UIM, and medical payments coverage ensures you satisfy Maine’s laws, it doesn’t protect you or your vehicle in every circumstance. You would need to add additional coverage, like comprehensive and collision, to better protect yourself.

1Your lender may require these coverages if you lease or finance your vehicle.

Are there additional coverage options?

For added peace of mind, there are add-on services and other insurance products available to Maine drivers:

Maine Proof of Financial Responsibility and Penalties

What if I don't meet Maine’s minimum car insurance requirements?

Driving without insurance is a serious offense in Maine. If you can’t present proof of insurance coverage you could be facing monetary penalties and a suspension of your driving privileges, according to ValuePenguin. In addition to these penalties, you could be forced to fulfill SR-22 requirements for three years when you attempt to get your driving privileges reinstated.

Penalties for Driving with a Suspended License in Maine

Driving while suspended, revoked, or unlicensed can lead to serious penalties in Maine, according to the National Conference of State Legislatures. This Class E crime comes with a fine that increases for subsequent offenses and a potential driver’s license suspension.

SR-22 Insurance in Maine

Some states require high-risk drivers to keep an SR22 (also known as a certificate of financial responsibility) on file with the state verifying they have purchased auto insurance coverage that satisfies the state’s minimum coverage requirements. Depending on your current state, if you recently moved from out of state, or if you’re planning to move out of state soon, you could be required to keep an SR-22 on file if:

High-Risk Auto Insurance in Maine

Many individuals do not have a perfect driving record, and after a certain number of violations or a serious enough violation, drivers can be considered a major risk to insure. While some companies try to steer clear of these individuals, other insurance companies offer non-standard insurance (another name for high-risk auto insurance) to provide financial protection for these drivers.

We believe your driving history shouldn't define you forever, and we work hard to find quality, affordable coverage for every driver, regardless of their past.

Where can I find the cheapest car insurance rates in Maine?

Car insurance costs vary depending on a number of factors, including:

  • The amount & type of coverage you choose
  • The year, make, and model of the vehicle you drive
  • How much you drive, where you drive, and where you live
  • Your demographics
  • Your driving record
  • Your credit history

Other Maine Auto Insurance Resources

Find Cheap Car Insurance in Maine with Direct Auto!

Looking for affordable car insurance in Maine? Get a free car insurance quote for a policy that meets your state’s requirements, fits your needs, and includes any discounts you’re entitled to receive so your premium is the lowest price possible.

*Emergency Protection Plans (EPP) and Roadside Assistance are not insurance and are administered through Nation Safe Drivers, Boca Raton, FL. Not all benefits available in all states.

**The “Direct Auto Insurance” brand is used by insurers in the National General Group, Winston-Salem, NC to describe their direct-to-consumer auto insurance programs. Direct Auto Insurance branded policies are produced by Direct General Insurance Agency, Inc. dba “Direct Auto Insurance” and by National General Insurance Marketing Inc.

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“Direct Auto Insurance” is also the brand name for direct-to-consumer auto insurance policies underwritten by our insurance company affiliates listed here: Insurance Companies in our Group that are sold in our Direct Auto Insurance agency stores, over the phone and through this website.

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Direct Auto Insurance is the brand name for direct-to-consumer auto insurance produced by Direct General Ins. Agency, Inc. and National General Ins. Marketing, Inc. (NGIM) for its National General Group affiliates, Winston-Salem, NC.

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