Skip to main content

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. 

Amica offers customized Maine car insurance quotes through YourPlan 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. With YourPlan, there’s a range of options that can be tailored to meet your unique 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

In addition to meeting Maine’s auto insurance requirements, many drivers choose to add optional coverages to help address common gaps in protection. These coverages can offer support with situations like:

  • Damage to your vehicle, including accidents and other covered losses.
  • Injuries and medical expenses following an accident, regardless of fault.
  • Support after a loss, such as transportation or roadside assistance.

Each of these coverages helps protect against different types of risk. You can add them individually or combine them in ways that match the level of protection you’re looking for. Learn more about common auto insurance coverage and how they work.

Customizing auto insurance in Maine

After reviewing standard and optional coverages, you may be wondering how drivers in Maine typically put those choices together. YourPlan allows you to compare thoughtfully built coverage levels that are based on what drivers often select. Then, you can adjust and customize from there, choosing what feels right for your car and budget.

Essential

Core coverage that’s designed to meet the needs of many Maine drivers. Essential focuses on the foundational protections you expect in a standard auto policy, including coverage for your vehicle, injuries and damage you may cause to others, and common risks you face on the road. It’s a straightforward option without added enhancements.

Advantage

Broader coverage that offers added protection for more situations. Advantage builds on Essential by including optional coverages and upgrades that go beyond a standard policy. It’s a good fit if you want extra flexibility and additional protection for things like roadside assistance or certain types of damage.

Signature

Our most complete option, with enhanced protection and added benefits. Signature includes the highest level of coverage we offer, combining broader protection, higher benefit limits and extra safeguards. It’s designed to help reduce gaps in coverage and provide more confidence if a claim is more complex or severe.

YourPlan lets you explore these approaches in more detail and customize coverage based on what you need in Maine. Explore coverage options with YourPlan.

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.1 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 how you drive
    • Accident-free: Get an auto insurance discount when you’ve been claim-free for the past three years and three months.
    • Defensive driver training: Drivers aged 55+ who take an approved driver safety course can earn a discount.
  • Discounts for your car's systems
    • Forward-collision warning: We’ll reward you for keeping your car safe with forward-collision warning. 
    • Adaptive headlights: If your car is equipped with adaptive headlights, 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.

One of the best ways to conveniently manage all of your insurance needs and save money at the same time is to bundle auto and home insurance with the same company. In fact, Mainers who bundle their policies with Amica may qualify for a valuable multiline discount.1

Facts and figures about Maine

Fun facts about Maine:

  • Chester Greenwood, a lifelong Mainer, invented earmuffs in 1873.2
  • Approximately 90% of the country's lobster supply is caught off the coast of Maine.2
  • Maine has over 32,000 miles of rivers and streams, and over 6,000 lakes and ponds to explore.2

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.3
  • 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.3
  • Using handheld devices while driving is prohibited in Maine for all drivers.3

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

AMIC-12-030427

1 Discounts not available in all states and may vary.
2 99 Interesting Facts About Maine
3 Maine’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.

This inclusion of non-Amica companies, products, services or statement herein (“Third-Party Content”) is for general informational purposes only and does not constitute a recommendation or endorsement by Amica Insurance. Policies, views, opinions or positions of Third-Party Content expressed herein are those of the authors and do not necessarily reflect the policies, views, opinions or positions of Amica Insurance. Amica Insurance makes no warranties, expressed or implied, as to the accuracy and reliability of Third-Party Content.

This content may contain helpful tips, explanation and advice. Your use of this information is voluntary and may not be effective in every circumstance. Amica encourages you to use good judgement and put safety first.

For more information on our editorial process and content standard, take a look at our editorial guidelines.