Maine Car Insurance

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Key takeaways...
  • Maine requires its drivers to carry liability insurance
  • If you’re responsible for an accident, you’re liable to pay for the other party’s damages
  • Compare car insurance quotes is a great way to find the coverage you need at the best rate

Although Maine is a relatively small US market the state still has a very competitive car insurance industry.

Before choosing a car insurance company you should always learn about the following:

Only once you have become familiar with car insurance coverage is it time to start auto insurance comparison.

Comparing car insurance quotes is free and easy when you enter your zip code into our free rate comparison tool.

Maine Auto Insurance Requirements


Maine has state minimum car insurance requirements for every driver and requires liability insurance for any vehicle registered in the state.

Maine’s minimum requirements are higher than most states with levels of coverage much more reasonable considering the potential expenses of being involved in a car accident.

Any driver should always look to expand coverage beyond these minimums. If you own a vehicle registered in Maine you are required by law to obtain:

  • $50,000 liability coverage per person for injury
  • $100,000 liability coverage per accident for injury
  • $25,000 for property damage liability
  • $50,000/$100,000 uninsured/underinsured motorist bodily injury
  • $2,000 medical payments

Medical payments coverage is very rarely required by states however it does provide a small security for drivers.

In Maine, the medical payments car insurance coverage required by law helps pay for medical and/or funeral expenses for the policyholder and/or victims injured while using your vehicle.

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Who pays for a car accident in Maine?

No-fault car insurance does not exist in Maine and the state currently operates under the tort system. Once liability is established, the party at fault is responsible for all damages relating to the car accident.

The at-fault driver can also be sued in civil court for loss of wages, injuries and a wide number of other things.

Unlike many states, Maine does not have a state reporting system for car insurance coverage so it’s up to vehicle owners to notify the state when insurance coverage is obtained for any Maine registered vehicle.

Providing proof of car insurance is fairly easy but may vary depending on what county you reside. Normal items which usually work as valid proof of insurance are a current insurance card, the declaration page of your car insurance policy or similar items.

The key information which needs to be listed in order to prove a vehicle is insured is:

  • The amount of policy coverage obtained
  • The type of coverage purchased
  • Your unique policy number with the car insurance company
  • Policy effective date (and expiration)
  • VIN number
  • The name of the insured
  • Make, model, and year of the car

What are the penalties for driving uninsured?

Driving without car insurance is against state law and if you are ticketed you may be subject to heavy fines or even possible jail time depending on the circumstances behind your citation.

Once cited, you will have sufficient time to provide proof of coverage or to obtain coverage which meets minimum state requirements.

Maine also requires any driver cited for driving with no car insurance also file an SR-22 form with the state to show financial responsibility.

Failure to satisfy these requirements could possibly result in suspension of your driver’s license and/or vehicle registration.

Compare car insurance quotes today to find the coverage you need at the best price. Enter your zip code below!

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