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Maine Car Insurance

Within Maine's extensive network of over 21,000 miles of public highways, there's a wealth of destinations to explore, from the iconic lighthouses along the coast to the charming historic towns scattered throughout the state.

Having the right insurance coverage in place ensures that you can fully enjoy your travels without the burden of concern about potential accidents or mishaps. It provides peace of mind knowing that you're protected and prepared for whatever the road may bring.

Amica offers customized Maine car insurance quotes that allow you to tailor your coverage with comprehensive protection backed by personalized service. Don't settle for a one-size-fits-all approach when it comes to protecting yourself and your family on the road. Instead, take the time to get a customized quote that meets your unique coverage needs.

Maine's auto insurance requirements

In Maine, drivers are required to carry the following minimum liability coverage limits for auto insurance:

  • Bodily Injury Liability Coverage:
    • $50,000 per person
    • $100,000 per accident
  • Property Damage Liability Coverage:
    • $25,000 per accident 

Bodily injury liability coverage: This coverage protects you financially from claims of bodily injury that you're responsible for causing to someone else in an auto accident. This can include things such as medical expenses, pain and suffering and lost wages. Your policy may also pay legal defense costs to defend you if you're sued. Coverage is subject to limitations and exclusions.

Property damage liability coverage: This is coverage for damage to someone else's property that you're responsible for causing in an auto accident. It can apply to the damage of the other person's vehicle as well as to other damaged property, such as fences or other structures. Your policy may also pay legal defense costs to defend you if you're sued. Coverage is subject to limitations and exclusions.

In addition to the minimum liability coverage requirements, Maine mandates coverages for uninsured/underinsured motorist bodily injury and medical payments, with the following minimum limits:

  • Uninsured Motorist Bodily Injury Coverage:
    • $50,000 per person
    • $100,000 per accident
  • Medical Payments:
    • $2,000 per person

Uninsured/underinsured motorist bodily injury coverage: This coverage applies to your injuries if you're hurt in a car accident and the responsible party either doesn't have insurance, or doesn't have enough insurance.

Medical payments: This coverage can help pay for medical expenses for you and your passengers if you're injured in an accident, regardless if you're at fault for the accident. Medical payments coverage can apply to expenses including ambulance rides, hospital stays, surgery and rehabilitation.

It's important to understand that these are just the minimum requirements, and Maine drivers may choose higher coverage limits for added protection.

Additional Maine car insurance coverage

Opting for additional auto insurance coverage beyond the mandated minimums in Maine can provide invaluable protection in various scenarios. It's not only a wise choice for safeguarding your finances and assets, but may be required coverage if you lease or finance your car. Here are some additional coverages you might consider:

  • Comprehensive (other than collision): Provides coverage for damage to your vehicle caused by things other than a collision. Includes damage from falling trees or rocks kicked up by other cars.
  • Collision coverage: No-fault coverage that helps pay for repairs to your car if it's damaged in a collision with another vehicle or object.
  • Rental reimbursement: Coverage for transportation costs if your vehicle needs repairs after an accident. It covers rental cars, ridesharing or public transportation like trains, taxis and buses.
  • Auto/loan lease coverage: Covers the difference between what you owe on your loan or lease and the current value of your vehicle if it's totaled in a covered accident.
  • Towing and labor coverage: 24/7 roadside assistance for various issues like changing flat tires, jumping dead batteries, towing your car, unlocking car doors, and getting your car unstuck from mud or snow.
  • Repairing or replacing auto glass: Coverage for repair or replacement of your windshield, windows, and other auto glass, without a deductible.

Understanding rate factors for Maine car insurance

There are several factors that impact the cost of auto insurance in Maine, including individual circumstances, geographical location, weather patterns and more. Consider these points:

  • Driving history: Individual driving records play a significant role in determining your insurance premiums. Maine drivers with a history of accidents or traffic violations typically pay higher rates than those with clean records.
  • Coverage options and limits: The types and amounts of coverage you choose will affect your premiums. Choosing Maine’s minimum required coverage is more affordable, while adding optional coverages with higher limits will result in higher premiums.
  • Vehicle type: The make and model of your vehicle can influence your Maine car insurance rates. Factors such as the car's safety ratings, repair costs and likelihood of theft can impact premiums.
  • Claims in your state: Maine auto insurance rates may be influenced by the frequency and severity of claims filed in your state. Higher rates of accidents, theft or other incidents may lead to higher premiums for all drivers in Maine.

It's important to know that auto rates change over time for a number of reasons. Some of those reasons, like your driving record and claim history, are within your control, while others, like industry repair rates and claim frequency in your area, are not. If your auto rates increase, you may be able to mitigate the increase by adjusting your coverage or deductible, or qualifying for policy discounts.

Maximize savings with Maine auto insurance discounts

Amica offers various auto insurance discounts to help policyholders in Maine save money on their premiums. Here are some ways Maine drivers can save:

  • Discounts for family
    • Young driver training: Amica offers discounts for Maine drivers under 21 who complete an accredited driver training program.
    • Good student: We extend discounts to policies with full-time high school or college students, ages 15-25, with a “B” average or higher.
  • Discounts for your car's systems
    • Anti-theft: We’ll reward you for keeping your car safe and secure with anti-theft devices, like car alarms and GPS tracking systems.
    • Passive restraints: If your car is equipped with passive restraints, like airbags, you may be eligible for a discount.
  • Discounts for how you pay
    • AutoPay: Choose AutoPay and receive a discount on your premium.
    • Paperless: Get a discount when you sign up to receive policy documents and bills electronically.
    • Paid in full: Save money when you pay the entire balance of your Maine policy premium upfront.

If you're a Maine driver in need of both auto and home insurance coverage, it's worth exploring options for bundling policies to maximize your savings. When you bundle auto and home insurance with Amica, Mainers can save up to 30% with a multiline discount.

Facts and figures about Maine

Fun facts about Maine:

  • Maine is the only state that shares its border with only one other state, New Hampshire.1
  • Approximately 90% of the country's lobster supply is caught off the coast of Maine.1
  • Maine has over 32,000 miles of rivers and streams, and over 6,000 lakes and ponds to explore.1

Facts about driving in Maine:

  • 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 15.2
  • Using handheld devices while driving is prohibited in Maine for all drivers.2

How to get car insurance in Maine

We’re here to guide you through the process of personalizing your car insurance in Maine. Here’s how to secure your policy in three easy steps:

  1. Assess your coverage needs: 

    An Amica representative can provide personalized guidance and help you navigate your options to find the right coverage for your needs. 

  2. Discover potential discounts:

    A representative can also assist you in exploring potential discounts or cost-saving measures available to Maine drivers based on your unique circumstances.

  3. Get a quote:

    Amica offers convenient options for getting a quote. You can either get a car insurance quote online or call 800-242-6422 today to speak with a representative.

With Amica, Maine drivers can hit the road with confidence, knowing they’re prepared for any situation that may arise.

Get an auto insurance quote

or call 833-513-3881

1 53 Interesting Facts About Maine | What Is Maine Known For?
2 Maine Department of Transportation

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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