Maine car insurance: requirements & free quotes
Maine requires higher-than-average liability limits of 50/100/25 plus uninsured motorist and medical payments coverage. It is an at-fault state where moose collisions and long winters shape driving risk.
Minimum coverage in Maine
$50,000
Bodily injury per person
$100,000
Bodily injury per accident
$25,000
Property damage
Bodily injury liability $50,000 per person / $100,000 per accident
Property damage liability $25,000 per accident
Uninsured/underinsured motorist $50,000 per person / $100,000 per accident
Medical payments $2,000
Shown as 50/100/25 + UM 50/100 + MedPay 2,000. State minimums only cover others when you're at fault — they don't pay to repair your own car. Read how much car insurance you really need.
Ways to save on car insurance in Maine
- Comprehensive coverage pays for animal collisions, including moose and deer.
- Ask about discounts for winter tires or a clean multi-year driving record.
- Bundling home and auto is a common savings option for Maine households.
- Review your medical payments limit, since the required amount may not cover a serious injury.
We connect drivers across Maine
Including Portland, Lewiston, Bangor, South Portland and Auburn — and smaller towns in between. Availability depends on agencies serving your ZIP code.
Maine car insurance FAQ
No. Maine is an at-fault (tort) state, which means the driver who causes an accident — through their liability insurance — is responsible for the other people's injuries and property damage.
Compare quotes from several insurers, ask about discounts (bundling, safe driver, paperless, good student), raise your deductible if you have savings to cover it, and keep a clean driving record. A local agent can shop multiple insurance companies for you at once.