Maine Car Insurance Laws

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If you are a
driver, you must carry a minimum amount of liability insurance coverage set by the state.
The liability insurance minimums for Maine are summarized as 50/100/25 (meaning $50,000 of
bodily injury liability
per person; $100,000 of bodily injury liability per accident; and $2500 of
property liability per accident
Drivers must also carry a minimum limit of $50,000 per person and $100,000 per accident in
uninsured motorist coverage
and $2000 in
medical payment coverage
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has compiled all the information you need to know about Maine car insurance laws—including what is covered and what isn’t.
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Continue reading to learn more about minimum car insurance laws in Maine.
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What car insurance do I need in Maine?

Maine drivers must carry a minimum amount of liability coverage, uninsured motorist insurance, and personal injury protection. Maine drivers will have to purchase a variety of minimum insurance types to meet state requirements—but they can also buy additional insurance if they choose.
Here is a summary of the minimum insurance requirements for Maine.

Required Maine minimum car insurance

Type of coverage
Minimum insurance limit
Minimum liability coverage
Bodily injury per accident
Bodily injury per person
Property damage per accident
Uninsured motorist coverage
Bodily injury per accident
Bodily injury per person
Medical payment coverage

Liability insurance in Maine

The minimum liability insurance limits in Maine will help protect you from lawsuits if you are found at fault in an accident.
In tort states like Maine, the at-fault driver is responsible for covering the other driver’s expenses. Liability insurance will help cover these costs, but it won’t cover costs to you or your vehicle.

Why isn’t Maine considered a no-fault state?

There are only 12 states that operate on the no-fault insurance system, and Maine is not one of them. Drivers in no-fault states are required to carry
personal injury protection (PIP)
insurance, but this is not required in Maine.

What is the penalty for not having car insurance in Maine?

If you are caught driving without
proof of insurance
in Maine, you will face fines between $100 and $500. If you can’t provide valid proof of insurance within 30 days, your registration may be revoked and your license could be suspended.
Key Takeaway Driving without insurance in Maine is illegal, and you could face fines or license suspensions if you can’t produce proof.
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Additional coverage options

The minimum state insurance limits required by Maine are higher than most other states. However, it is still a good idea to consider increasing your limits or purchasing additional coverage options to make your policy more robust.
For instance, you will be left without coverage for property damage to your car if you are at fault unless you purchase additional
collision insurance
Meanwhile, the minimum
medical payment coverage
limit of $2000 will help cover medical expenses for you and your passengers, regardless of fault, but it might not be enough coverage.
Drivers in Maine can choose from various options to upgrade their car insurance policy, including the following.

Additional medical payments (MedPay) insurance

Medical payment insurance will help cover medical expenses for you, your family, and your passengers if you get in an accident. The $2000 state-required limit might not be enough, so you might want to supplement your coverage.

Collision insurance

Collision insurance will help cover the cost of the damage to your car after a rollover or collision while driving.

Comprehensive insurance

Comprehensive insurance will help cover the cost of non-collision-related damage caused by events like vandalism, fires, or storms.

Gap insurance

If your loaned or leased car is totaled after an accident,
gap insurance
will help make up the difference between your payout and any additional money you owe on your loan.

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.

Rideshare insurance

Rideshare insurance
will provide coverage for rideshare drivers where their company policy falls short.
Key Takeaway Maine requires drivers to carry more insurance than most states, but supplementing your policy will help fill in any gaps in your coverage.

How to get cheap car insurance in Maine

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Do you need to have car insurance in Maine?

Yes. Anybody who owns a car or drives in Maine needs to have at least the minimum state coverage limits.

Is Maine a no-fault state?

No. Maine is an at-fault or tort insurance state—meaning the at-fault driver is responsible for covering the costs of an accident.

Does Maine insurance follow the car or the driver?

Car insurance in Maine usually follows the car. However, you want to be sure that you are listed on the policy or have explicit permission to drive before using somebody else’s car.

Do I need more than the minimum insurance in Maine?

No. You will not be fined for carrying less than the minimum insurance in Maine—but purchasing supplemental insurance will provide coverage where state requirements fall short. You can use the car insurance shopping app
to get the coverage you need at prices you can afford.
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