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Minimum State Insurance Requirements » Maine

50 / 100 / 25

Personal injury insurance for the driver: $50,000

(maximum benefit paid per claim after the policyholder pays the deductible)

Personal injury coverage for all people involved in an accident: $100,000

Property damage coverage per claim: $25,000



Maine Car Insurance Information

Maine residents are encouraged to compare auto insurance rates from several different providers before making a purchase. Learning about the Maine car insurance information on policy types, coverage requirements and options for combining coverage will help to determine the best policy for the money paid.

Maine Car Insurance Information

Drivers in Maine deal with congested highway traffic along the coast, particularly between the cities of Portland and Bangor. The inland roads are winding and the northern Appalachian Mountains present hazardous road conditions, especially in winter. Minor accidents occur with regularity, but carrying the proper insurance while driving is necessary to avoid not only heavy fines from law enforcement personnel but also the huge cost of paying for injuries and property damage. Insurance laws in Maine are enforced to the highest degree, and drivers caught operating a motor vehicle without the required liability insurance and uninsured motorist protection face stiff penalties.

Car Insurance Minimum Requirements

Maine has one of the highest minimum levels of liability insurance in the nation. Drivers must carry at least $50,000 in protection to cover injuries sustained by individuals caused by the insured. Twice this amount must be carried to cover the medical costs associated with all injuries to non-fault parties per accident, and another $25,000 must be carried to pay for damages to property and vehicles belonging to innocent victims. Vehicle owners in Maine must also carry uninsured motorist protection. This law has resulted in an extremely low number of drivers carrying no insurance whatsoever. In Maine, less than 5 percent of all vehicle operators are driving without liability insurance, one of the lowest percentages of any state in the country.

Car Insurance Companies

Maine is home to several regional insurance providers offering complete coverage for liability, collision and comprehensive, and uninsured motorist protection. The major insurance companies located elsewhere are also licensed to sell policies in Maine. Shoppers are encouraged to go online and compare the rates between several different providers. Some of the local and regional insurance companies sell policies only to state residents, and offer some of the lowest premiums available for safe drivers. Insurance companies will ask the customer if optional coverage is desired, such as personal injury protection and a higher amount of liability protection.

Free Car Insurance Quotes For Maine

When shopping online for car insurance, customers can change the amount of their deductible, choose from several different amounts of liability protection, and add personal injury protection if they so desire. The Maine car insurance information given above reflects the state requirement, but shoppers can choose any amount to see how much it increases monthly premiums. For a quick, free online car insurance quote, go here.

Car Insurance Rates

Insurance shoppers will want to compare quotes given online and contact the agency for further information on how to reduce monthly costs. Maine is one of the most expensive states in terms of auto insurance rates, with passenger cars costing approximately $1,800 per year to insure with a complete liability and collision package. Drivers can often save a great deal on insurance prices by covering multiple cars, adding teen drivers to the parent’s policy, or combining auto insurance with life, health or homeowner’s protection. Contacting insurance providers that sell all types of coverage is recommended to see how much can be saved on a combined policy.