Maine car insurance: minimums, prices and your estimate
Maine requires at least $50,000 of bodily injury liability per person, $100,000 per accident, and $25,000 of property damage liability (written 50/100/25).
Maine's 50/100/25 minimums are among the highest in the country, and every policy must also include at least $2,000 of medical payments coverage and uninsured motorist coverage that protects you from uninsured, underinsured and hit-and-run drivers.
- Legal minimum
- 50/100/25
- Fault system
- At-fault
- Personal injury protection
- Not required
- Uninsured motorist
- Required
- Underinsured motorist
- Required
- Credit-based pricing
- Allowed
- Gender-based pricing
- Allowed
- High-risk proof filing
- SR-22 (at least 3 years)
What drivers in Maine can expect to pay
Monthly ranges from our model, anchored to Maine's position in 7 published price studies from 2025 and 2026 ($1,907 a year for full coverage and $514 for minimum coverage for a standard adult driver; which studies). Suburban ZIP code, mid-size sedan a few years old.
| Driver | Estimated monthly | About per year |
|---|---|---|
| Adult, full coverage35, clean record, 100/300/100, $500 deductibles | $137-$181 | $1,907 |
| Adult, state-minimum coverage35, clean record, only what the law requires | $37-$49 | $514 |
| Young driver, full coverage20, own policy, clean record | $254-$382 | $3,814 |
| Senior, full coverage70, clean record | $131-$174 | $1,831 |
| After one at-fault accident35, full coverage | $205-$272 | $2,861 |
| After a DUI35, full coverage | $239-$358 | $3,585 |
| Poor credit35, clean record, full coverage | $243-$351 | $3,566 |
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Rules worth knowing in Maine
- Uninsured motorist coverage, which Maine calls uninsured vehicle coverage, must be at least 50/100. On a private passenger policy it must equal your bodily injury liability limits unless you reject the higher amount on a signed, dated form.
- Maine does not require personal injury protection, but every policy must include at least $2,000 per person in medical payments coverage.
- Policies must also include up to $500 per accident for towing and storage when a police officer has your vehicle towed, except on policies insuring more than four vehicles.
- The Maine Bureau of Insurance lists gender, age and marital status among common premium factors. Most insurers also consider your credit history and must comply with the federal Fair Credit Reporting Act.
- Instead of insurance, you can prove financial responsibility with a deposit of money or securities with the Maine Treasurer of State.
- After certain convictions, Maine requires proof of insurance, commonly an SR-22, on file with the Secretary of State for at least three years after your license is reinstated.
Questions about Maine car insurance
What is the minimum car insurance in Maine?
Maine requires at least $50,000 of bodily injury liability per person, $100,000 per accident, and $25,000 of property damage liability (written 50/100/25).
How much is car insurance in Maine per month?
For a 35-year-old with a clean record, our model puts full coverage at about $137 to $181 a month and state-minimum coverage at about $37 to $49. Age, record, car, ZIP code and the company you choose move the real number a lot.
Is Maine a no-fault state?
At-fault (tort) state: the driver who causes a crash, and their insurer, pays for the other side's injuries and damage.
Can insurers in Maine use my credit score?
Yes. Many insurers in Maine use a credit-based insurance score, so better credit usually means a lower price.
Do I need an SR-22 in Maine?
Only if a court or the state requires one, usually after a serious violation or a lapse. After certain convictions, Maine requires proof of insurance, commonly an SR-22, on file with the Secretary of State for at least three years after your license is reinstated.