Claire Smith Last Updated On: August 7, 2023

Getting Car Insurance in Maine

Maine has earned the nickname VacationLand for a reason; it’s nothing but pristine coastal shorelines, expansive lakes and rivers like the St. John River that stretches into Canada, and miles of sea, lakes, islands, and lands to explore. 

You can’t explore all Maine offers without your trusty car insurance protecting you on your outdoor excursions or everyday travels! 

So, if you’re in the market to explore all your car insurance options and live in Augusta or rural Winterport, Maine, stay tuned for everything you need to know about securing car insurance in the great state of Maine.

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Table of Contents

Maine’s Liability Requirements

Every state has different laws regarding “state minimums,” Maine is no exception. In Maine, drivers must obtain liability insurance, uninsured/underinsured motorist coverage, and medical payments. Thus, Maine’s state minimums are more robust than other states that require drivers only to have liability.

These are Maine’s car insurance minimums:

  • Liability minimum requirements (50/100/25)
    • $50,000 bodily injury per person, for a maximum payout of $100,000 bodily injury coverage per accident
    • $25,000 property damage coverage
  • Uninsured/Underinsured motorist coverage requirements
    • $50,000 bodily injury per person
    • $100,000 bodily injury per accident
  • Medical payments
    • $2,000 per person

Not many states mandate that all drivers carry Medical payments coverage, but Maine does. 

Fortunately, Medical payments or MedPay is a small sum that supplements your medical expenses. For instance, MedPay can help pay for accident-related deductibles. MedPay doesn’t replace health insurance; it is a welcome addition to your car insurance policy to supplement your health insurance.

However, Maine’s liability doesn’t offer total protection despite its higher liability coverage limits and robust state minimums requiring drivers to have uninsured motorist coverage and medical payments. I.e., you don’t have to pay out of pocket after a car accident. For example, liability only protects drivers from you, which means nothing protects you or your vehicle should someone hit you while driving! Collision and comprehensive coverage will cover your vehicle on and off the road from car accident-related and other damages like wind blowing a tree onto your vehicle.

Car Insurance Options in Maine

Maine’s coast is decorated with lighthouses, lighting the way for boats and inviting locals and tourists alike to stop by for a visit. So if you’re planning to take your friends or family for a tour or haunted tour—you heard us correctly, many lighthouses are haunted—of Matinicus Rock lighthouse to see if you can catch sight of a ghost, then make sure you’re driving with adequate car insurance. Here are your car insurance choices in Maine:
  • Collision: Liability insurance protects you from paying out of pocket for other drivers’ medical or vehicular repairs if you cause an accident. However, remember liability does not cover any accident-related repair costs to your car. Thus, you’ll need collision coverage if you want your car’s repairs covered after a car accident.
  • Comprehensive: Comprehensive coverage protects your car when it’s in park from theft, weather-related damages, vandalism, damages from hitting an animal, etc.  
  • Roadside Assistance: Roadside assistance gets your car back into drive if you’re locked out, the car battery is dead, or your vehicle needs towing.
  • Rental Car Reimbursement: If your car is in the shop for repairs, rental car reimbursement will pay for you to take out a rental car.
  • Gap Or Loan/Lease Payoff Insurance: If you’re financing a vehicle, consider Gap insurance. For instance, if you get into an accident and total your car while still paying it off, Gap insurance pays off your remaining car loan balance.

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How Much Does Car Insurance Cost in Maine?

The Pine Tree State, aka Maine, sports the second most affordable rates for full coverage—not just state minimums—in the US, coming in at $950 a year! Whereas the cost of minimums is roughly $225-$250 annually.

However, keep in mind that your rates are contingent upon your driving history (e.g., how many speeding tickets or driving infractions), personal profile (e.g., where you live and age), and coverage level (e.g., full coverage).

What are the Penalties for Driving Without Car Insurance?

No state is lenient if you’re caught driving without car insurance; Maine is no exception. Considering Maine’s affordable rates, there is no excuse for not having car insurance.    

If you see red-and-blue lights in your rearview and don’t have adequate car insurance, these are the penalties you can expect to be handed.

Penalty Type

Each Offense



Driving Privilege 

License suspension until valid proof of insurance provided

Reinstatement Fees

  • $50 reinstatement fee
  • $20–$30 license fee
  • $35 registration fee


Must carry SR-22 for 3 years

Proof of Insurance and What to Do When Caught without Car Insurance

If you are pulled over by the police for a routine traffic stop or involved in an accident, you’ll be asked to produce valid proof of insurance; failure to do so will result in a fine. Maine permits you to display proof of insurance via an insurance card, an official policy binder, or a digital copy of your insurance. 

If you’re involved in a car accident, you must produce valid car insurance within 30 days, or the courts will expect you to surrender your license, registration, and plates. If you refuse, you’ll be convicted of a Class E crime with a fine of $1,000 and imprisonment for up to 6 months. You cannot drive until you give the court proof that you’re now insured.

To get your license back, so you can get back to cruising the open Maine roads, you’ll need to pay your fines, reinstatement fees, produce valid car insurance, and have your insurer take out an SR-22 on your behalf. Be warned that having an SR-22 on record will increase your premiums, and you’ll have to carry it for 3 years.

How Maine Calculates Your Car Insurance Rates

Before considering your car insurance options, know that every insurer and state uses different factors to calculate your rates. Maine relies on these factors to arrive at your premiums:

  • Age: Teenage drivers between 16-19 are statistically more likely to get into an accident, so it should come as no surprise teens cost more to insure than someone with decades of experience.
  • Driving History (including violations): To save money on your car insurance, you’ll earn a good driver’s discount if you have a clean record with no tickets. Whereas your rates will tick up depending on the driving infraction, you have on your record, like a speeding ticket. 
  • Coverage Level: Your premiums depend on the coverage you take out. Hence you’ll pay less for liability than for full coverage.
  • Credit Score: In Maine, insurers rely on your credit score to determine your rates; hence, if you have poor credit, you’ll pay higher premiums.
  • Your Vehicle: What you drive also affects your rates. If your vehicle (year, make, model) isn’t a sports car, luxury car, or commonly stolen car—as these cost more to repair or replace—you’re rates will be less.

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How to Save on Car Insurance in Maine

Nobody wants to pay more than they should for car insurance, so ensure you know how to save on car insurance to drive down your premiums!  These are some of the best ways to save money on your car insurance:
  • Bundling: If you have a house, car, and other insurance products, why not bundle them and save on premiums?
  • Payment Discounts: Ask prospective insurers if you qualify for any discounts. For instance, many insurers will give you a discount for paying your premiums upfront, if you haven’t missed a payment in a year, or if you set up automatic withdrawal. Often, insurers will save a few dollars by using paperless billing.
  • Safety Equipment: If you want to make your car safer and easier to find if stolen, then ask your provider which safety equipment qualifies for discounts. For instance, qualifying anti-lock brakes, anti-theft system, and side airbags could result in discounts. 
  • Defensive Driving: The more driving experience you have, the greater your confidence and abilities behind the wheel. So, providers offer discounts if you take and pass a recognizable defensive driving class. Young drivers should take a defensive driving class to reduce their high rates.
  • Raise the Deductible: The higher your deductible, the cheaper your rates. However, you want to ensure the higher rate is something you can comfortably afford to pay at a moment’s notice.
  • Use the Garage: During the harsh Maine winter, if you can tuck your vehicle into the garage when not in use, many insurers will give you a discount.
  • Shop Around: When it comes to car insurance, never settle on the first quote because insurers use different factors to calculate your premiums, which means your rates vary across providers. Thus, collect a handful of quotes before settling on the right fit for you!
If you’re ready to start shopping around for car insurance quotes in Maine, grab your free no-obligation quote from ConsumerCoverage now!

The Best Car Insurance Providers in Maine

If you’re looking into your car insurance options, these are some of Maine’s top-rated car insurance providers.

  • Allstate
  • Amica Mutual
  • Geico
  • Progressive
  • State Farm
  • Travelers
  • USAA

Final Thoughts on Finding Car Insurance in Maine

You’ll want the best car insurance to drive along parts of coastal Maine’s US 1. And because you have the freedom to choose the best car insurance coverage level, you can decide which coverage is best for you!

The first thing to consider is whether you want liability or full coverage. Liability is basic protection for other drivers if you hit them. In contrast, full coverage means you have liability, collision, and comprehensive protecting you and your car while driving or in park. Liability is the most affordable coverage, but drivers should weigh its low cost against potential accident-related costs to decide if they’re comfortable gambling with their financial future.

And for Maine drivers who want to save on car insurance, you don’t need liability to shrink your premiums! Always check with your insurance agent about ways to save, like taking a defensive driving class. The best place to start saving on your car insurance rates is by shopping around for the best car insurance company, as every provider uses a different algorithm based on your unique factors to set your rates.


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