Keep in mind: You’ll likely be required to get more coverage–such as comprehensive and collision insurance–if you finance or lease your vehicle.
Optional coverages in Maine
The minimum amount of auto insurance Maine requires is higher than most states, but it’s still a good idea to consider increasing your coverage limits.
Here are some optional coverages to consider:
Collision insurance
: Covers the cost of physical damage to your vehicle due to a collision with another vehicle or stationary object.Comprehensive insurance
: This helps cover the cost of non-collision-related damage to your vehicle resulting from theft, vandalism, floods, fire, and more.Personal injury protection (PIP)
: Covers medical expenses, rehabilitation costs, lost wages, and funeral expenses after a car accident, regardless of who’s at fault. Roadside assistance coverage: Also called towing and labor coverage
, roadside assistance helps cover the costs of basic roadside assistance services, like towing, battery changes, or gas delivery. New car replacement insurance
: If you drive a new car, new car replacement insurance will allow you to replace it with a similar new model if your vehicle is totaled.
Penalties for driving without insurance in Maine
If you’re caught driving without car insurance or valid proof of insurance
in Maine, you could face fines, driver’s license suspension
, or registration revocation. Here’s a breakdown of the penalties for driving without insurance in Maine:
| | Failure to surrender registration and license after suspension |
---|
| | |
| Driver’s license suspended until valid proof of insurance is presented | Driver’s license suspended until valid proof of insurance is presented |
Reinstatement requirements | $50 reinstatement fee; $20–30 license fee; $35 registration fee | $50 reinstatement fee; $20–30 license fee; $35 registration fee |
| | |
| | |
FAQs
Is it illegal to drive in Maine without insurance?
Yes—driving without insurance is illegal in all states except New Hampshire. If caught without valid insurance in Maine, you could face fines up to $500 and suspension of your driving privileges. Reinstating these privileges also costs money.
How does car insurance work in Maine?
Maine law requires all drivers to maintain liability coverage that meets the 50/100/25 limits. This means you must have at least $50,000 of bodily injury liability per person/$100,000 per accident, and $25,000 for property damage liability. You must also purchase at least $2,000 in medical payments coverage and uninsured motorist bodily injury coverage with the same limits as liability insurance.
Is Maine a no-fault state for car insurance?
No. The state of Maine is an at-fault or “tort” state, meaning that the driver who caused the accident must pay for damages for any losses incurred in an accident—including medical bills, lost wages, property damage, and other costs.
Can you get insurance without a license in Maine?
Yes, you can get car insurance without a driver’s license in Maine, but you will have to list someone with a valid driver’s license as the primary driver of your vehicle.