Maine Minimum Coverage Car Insurance: Requirements and Costs (2024)

Maine requires drivers to carry minimum coverage auto insurance policy, with limits of $50,000 for bodily injury per person, $100,000 per accident and $25,000 for property damage. These minimum car insurance requirements also include uninsured/underinsured motorist coverage of $50,000 per person and $100,000 per accident, along with $2,000 for medical payments. As an at-fault state, drivers are responsible for any damages they cause in an accident, underscoring the importance of having at least the state-required insurance.

Maine drivers can find coverage at an economical monthly premium, which averages around $29 for state minimum coverage. If you are seeking the most cost-efficient options, researching the cheapest car insurance in Maine may yield even more choices.

In Maine, the required minimum car insurance coverage for drivers to legally operate a vehicle includes the following:

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

Considering Maine is a fault state, your choices regarding your insurance coverage can significantly affect your premium costs. Being a fault state means that the driver found responsible for causing an accident is also responsible for paying the damages resulting from that accident, typically through their insurance provider. As such, having adequate coverage is crucial for financial protection.

The table reflects Maine's minimum car insurance requirements, including bodily injury and property damage coverage. Specific coverage details depend on your policy's terms and conditions.

The table below illustrates the average minimum coverage car insurance costs in Maine for various age groups, showcasing how premiums change with age. In Maine, drivers aged 22 to 29 face the highest premiums due to their relative inexperience on the road, which statistically links to a higher risk of accidents.

For Mainers seeking economical options for state minimum coverage auto insurance, these are the most competitive options:

• Vermont Mutual: $284 per year and $24 per month
• GEICO: $337 per year and $28 per month

While finding cost-effective insurance is important, you should also ensure that your choice aligns with your individual requirements. Explore the best car insurance in Maine for a more comprehensive understanding of your options.

In Maine, optional add-on coverages include collision, comprehensive, uninsured motorist property damage, medical payments and rental reimbursement. These enhance protection beyond the state minimum coverage, covering various out-of-pocket expenses after accidents regardless of fault. They provide financial security from unforeseen events — such as theft, vandalism and natural disasters — and ensure peace of mind for all drivers. Assess how much car insurance you need to determine which coverages to add.

In Maine, the cost of a ticket for driving without insurance can differ based on your record with this violation. Expect a fine for a first offense and a possible suspension of your driver's license and vehicle registration. A subsequent offense can lead to heftier fines and longer periods of suspension, emphasizing the state's strict stance on maintaining minimum coverage auto insurance.

Additional penalties may include:

• Vehicle registration suspension: This prevents you from driving an uninsured car.
• License suspension: Your driving privilege may be temporarily revoked, with a separate process for reinstatement that usually includes a fee.
• An SR-22 requirement: You may need to file an SR-22, which is a certificate providing proof of future financial responsibility.
• Possible jail time: You may go to jail if involved in an accident without insurance, indicating the severe consequences of this infraction.

Driving without insurance is against the law and can result in serious penalties. Always ensure your insurance policy is active and meets Maine's requirements to stay on the right side of the law.

If your car insurance policy is canceled in Maine, immediately seek new coverage. Driving without insurance is illegal, so do not drive until you secure a new policy. Contact an insurance agent for assistance or explore different insurers to find a new plan that fits your needs.

Maine law requires insurance companies to report insurance policy cancellations to the DMV. If you remain uninsured, you may face legal penalties, including fines and the potential suspension of your driver's license.

Securing new insurance after cancellation can be daunting, but Maine drivers have options. You may consider the Maine Automobile Insurance Plan, which helps high-risk drivers obtain the state minimum coverage. Ensuring continuous coverage keeps you on the right side of the law and protects you financially in case of accidents.

Always remember that driving without at least the state minimum coverage is risky. Be proactive in maintaining your auto insurance to meet Maine's legal requirements.

We clarify the minimum car insurance requirements for drivers in Maine and provide answers to ensure you comply with state laws and drive with the necessary protection.