Maine Auto Insurance Guide
Whether you drive along the coast, commute through Portland or head inland for work or weekend travel, the right Maine car insurance can help protect you from costly setbacks. A policy that fits your needs can do more than satisfy state rules, it can help cover injuries, vehicle damage and other expenses after a covered accident.
Maine drivers often need a mix of required coverage and optional protection, especially when weather, animal strikes and rural driving conditions may increase risk. Understanding what Maine requires, and what additional coverage may be worth considering, can help you make a more confident insurance decision.
What auto insurance is required?
In Maine, drivers are required to carry the following minimum coverage limits for auto insurance.
Maine minimum liability coverage limits
| Coverage type | Minimum limit in Maine | What it may help cover |
|---|---|---|
| Bodily injury liability | $50,000 per person, $100,000 per accident, $125,000 combined single limit | Injuries you cause to others in a covered accident |
| Property damage liability | $25,000 per accident | Damage you cause to another person’s vehicle or property |
| Uninsured/underinsured motorist bodily injury | $50,000 per person, $100,000 per accident, $100,000 combined single limit | Your injuries if the at-fault driver has too little or no insurance |
| Medical payments coverage | $2,000 per person | Medical expenses for you or your passengers after a covered accident |
It's important to understand that these are just the minimum requirements, and Maine drivers may choose higher coverage limits for added protection.
Additional coverages to consider
In addition to meeting Maine’s requirements, many drivers add optional protection to help reduce out-of-pocket costs after a covered loss.
| Coverage | Required in Maine? | Why it matters |
|---|---|---|
| Collision coverage | No | May help repair your vehicle after a covered crash, regardless of fault |
| Comprehensive coverage | No | May help with covered non-collision losses like theft, vandalism or falling objects |
| Uninsured/underinsured motorist bodily injury coverage | No | May help if the at-fault driver has no insurance or not enough insurance |
| Rental reimbursement | No | May help with transportation costs while your vehicle is being repaired after a covered claim |
| Roadside assistance | No | May help with towing, lockouts, jump starts and similar roadside problems |
How Maine drivers can customize coverage
After reviewing required and optional coverages, many Maine drivers compare how much protection they want against what they’re comfortable paying. YourPlan lets you review coverage approaches based on what drivers often choose, then adjust from there to best fit your needs and budget.
Essential
May appeal to drivers looking for foundational protection without many added features.
Advantage
May be a better fit if you want more flexibility and support for situations like roadside issues or broader vehicle protection.
Signature
May suit drivers who want broader protection and fewer potential coverage gaps.
If you want to compare quotes more carefully, exploring how to compare quotes can help you look beyond price alone.
What affects car insurance rates in Maine?
There are several factors, including:
- Driving history: Accidents, claims and violations may increase premiums.
- Coverage choices: Higher limits and optional coverages usually cost more than minimum coverage.
- Vehicle type: Repair costs, theft risk and safety features can influence rates.
- Location: Local claim trends, road conditions and population density may affect premiums.
- Claims in your area: More frequent or severe claims can affect broader rate trends.
If you’re reviewing costs, you may also want to see how to compare car insurance rates and ways to lower your car insurance costs.
Save more with discounts
Amica offers various auto insurance discounts that may help lower premiums for eligible Maine drivers.1
- Family-related discounts: Young driver training and good student discounts may be available for qualifying households.
- Driving-related discounts: Claim-free history and approved defensive driver training may help some drivers save.
- Vehicle equipment discounts: Certain safety systems like forward-collision warning or adaptive headlights may qualify.
- Payment-related discounts: AutoPay, paperless delivery and paying in full may also help eligible policyholders reduce costs.
To explore your options, find out about auto insurance discounts and bundling opportunities.
Driving facts to keep in mind
- In Maine, the frequency of collisions with moose peak in the months of May and June. At night, moose are hard to see, as they’re too tall for their eyes to reflect in oncoming headlights.2
- Maine teens can obtain a learner’s permit at the age of 15 if they successfully complete a written examination. The permit is valid for two years and allows a person to operate a vehicle when they’re with a licensed driver who’s at least 20 years of age and has held a valid license for two years.2
- Using handheld devices while driving is prohibited in Maine for all drivers.2
How to get auto insurance in Maine
If you’re ready to compare options, here’s a simple way to approach the process:
- Review your coverage needs: Start with Maine’s required liability limits, then think about whether you want higher limits or optional protections for your vehicle, medical costs or roadside issues.
- Look for savings opportunities: Eligible discounts, bundling and payment options may all affect your final premium.
- Get a quote: You can get a quote online or call 800-242-6422 to speak with a representative.
Taking a little extra time to compare limits, deductibles and optional coverages can help you build a car insurance policy that better matches how and where you drive.
Get an auto insurance quote today
FAQs about car insurance in Maine
No. Maine is generally considered an at-fault state for auto insurance claims.
Maine requires bodily injury liability, property damage liability, uninsured/underinsured motorist bodily injury and medical payments coverage, each with state minimum limits. The minimum liability limits in Maine are $50,000 per person and $100,000 per accident for bodily injury liability, plus $25,000 per accident for property damage liability.
That depends on your vehicle, budget, assets and comfort with risk. Many drivers choose limits above the state minimum to better protect savings and future income.
Rates vary based on your driving record, location, vehicle, selected coverages and other rating factors. Comparing quotes and coverage options can help you evaluate value, not just price.
1Discounts not available in all states and may vary.
2Maine’s Driver’s License Manual
Your Policy, Policy Declarations or Amended Declarations in effect on the date of loss is the primary source of reference for your coverage, coverage limits and deductible amounts.
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