Cheap Maine car insurance
Navigating Maine's auto insurance landscape doesn't have to be complicated or expensive. Let's break down Maine state insurance requirements and explore how you can secure affordable coverage that helps keep you protected—and legal—on the road.
How much is car insurance in Maine?
Maine typically ranks among the least expensive states for auto insurance in the U.S. Just remember, car insurance rates aren’t one-size-fits-all. Car insurance costs can vary widely based on factors like your:
Age and driving experience
Driving record
Insurance score
ZIP code
Vehicle type
Coverage levels
What are the minimum car insurance requirements in Maine?
Maine law requires all drivers to meet or exceed the minimum limits of several types of car insurance coverage:
Bodily injury liability insurance in Maine
Bodily injury liability can give you some financial protection if you’re at fault in an accident that injures someone. It can help cover their medical bills, so you don't have to shoulder the full cost out-of-pocket. In Maine, you need to carry at least:
$50,000 per person
$100,000 per accident
Property damage liability insurance in Maine
Did you back into your neighbor's fancy new car? Or skid in the snow and take down a mailbox? Property damage liability coverage can help pay for the damage. Maine requires you to have at least:
$25,000 per accident
Uninsured/underinsured motorist bodily injury in Maine
Not everyone follows the rules and gets insurance—and even some insured drivers may not have enough to fully cover your expenses if they cause an accident that injures you. Uninsured motorist (UM)/underinsured motorist (UIM) bodily injury coverage can help protect you from significant out-of-pocket costs in scenarios like this. Maine drivers must carry at least:
$50,000 per person
$100,000 per accident
Medical payments coverage in Maine
Medical payments coverage—often referred to as MedPay—can help pay medical bills for you and your passengers following a covered accident, no matter who was at fault. Higher limits are available for a relatively small cost, but the minimum limit for Maine drivers is:
$2,000 per person
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Optional car insurance coverages in Maine
Meeting the Maine state insurance requirements is a good start, but you might want some extra protection:
Comprehensive coverage
Comprehensive coverage has your back for those "oh no!" moments that aren't crashes—like if a tree falls on your car, you hit a deer, or if it’s stolen or vandalized.
Collision coverage
Fender bender? Collision coverage can help pay for repairs to your car when it’s damaged in a collision with another vehicle or stationary object—even if you're at fault.
Rental reimbursement
If your car's in the shop after a covered accident, rental reimbursement coverage can help you pay for a temporary rental car.
Roadside assistance
Flat tire? Dead battery? Our auto roadside assistance coverage sends help your way when you're stranded.
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SR22 insurance in Maine
An SR22 isn't actually insurance, but a certificate proving you've got the minimum required coverage. Maine typically requires an SR22 for drivers with infractions like DUIs, driving without insurance, or accumulating too many violations. If you fall into that category, you might need to file an SR22 form.
Don't worry—we’ve got your back. We'll file the SR22 for you with the state, without any additional fees. Plus, we offer competitive rates to help keep your insurance affordable, even with an SR22 on your record.
Car insurance discounts in Maine
Regularly review your policy to make sure you’re taking advantage of any car insurance discounts you qualify for. Here are the discounts we offer in Maine:
Multi-car
Homeowners
Prior insurance
Paid in full
Advanced quote
Mature driver course
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Who has the cheapest car insurance in Maine?
It’s tempting to shop only for the cheapest car insurance in Maine, but remember, the lowest price isn't always the best deal. The right policy for you depends on your specific situation.
To find the sweet spot between affordability and solid coverage, shop around and compare quotes. We work hard to offer competitive rates without skimping on quality or service.
Need more than Maine car insurance?
While having the right insurance is crucial, there's more to being a responsible Maine driver. Let's explore some key requirements and resources to keep you safely cruising in the Pine Tree State.
Driver requirements and laws
Before you hit the road, make sure you're up to speed on Maine's driving laws, including:
Drivers must be at least 16 years old and follow a graduated licensing system
All passengers must wear seatbelts
Handheld cellphone use is prohibited while driving
Drivers under 21 face zero-tolerance alcohol laws
Driver resources
Need more information? These state agencies have got you covered:
Maine Department of Transportation
Visit the Maine DOT website for updates on road conditions, construction projects, and travel alerts.
Maine Bureau of Motor Vehicles
The Maine BMV is your go-to for driver's licenses, vehicle registration, and other motor vehicle services.
Maine Highway Safety
Learn about traffic safety programs and initiatives at Maine Highway Safety.
Get your Maine auto insurance quote today
Now that you're up to speed on Maine state insurance requirements, it's time to get the protection you need. Meeting these requirements doesn't have to break the bank. Grab a quote from us today and see how we can help you hit the road with confidence.
Dairyland® brand property and casualty coverages are underwritten by a member of the Sentry Insurance Group, Stevens Point, WI. For a complete listing of companies, visit the Underwriting Company page.
