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maine car insurance

Driving through Maine brings its fair share of perils, which helps explain the high coverage requirements for Maine auto insurance.

Don't worry: we'll help you sort out car insurance in the Pine Tree State, and even show you some nifty discounts you can score when you get your Maine car insurance quote.

While Esurance isn't currently available in Maine, we can still help you get a free quote and shop for the right policy for you.

After all, while the leaves in your state are famous for losing their green, we believe Maine drivers should be famous for keeping theirs.

Maine car insurance coverages

Required coverages

Car insurance in Maine must include a few coverages: liability coverage, uninsured motorist coverage, and medical payments coverage.

Maine liability insurance

You'll need Maine liability insurance with at least the following limits:

  • $50,000 of bodily injury coverage per person
  • $100,000 of bodily injury coverage per incident
  • $25,000 of property damage coverage per incident

When getting your Maine car insurance quote, you may also be able to choose a combined single limit policy for your Maine liability insurance (which combines bodily injury and property damage liability) of $125,000 per incident.

Other Maine auto insurance requirements

Maine drivers are also required to carry:

  • $50,000 of uninsured motorist bodily injury coverage per person
  • $100,000 of uninsured motorist bodily injury coverage per incident
  • $2,000 of medical payments coverage

Optional coverages

With most providers, you could add these coverages to your Maine car insurance policy:

  • Comprehensive coverage
  • Collision coverage
  • Loan/lease gap coverage
  • Rental reimbursement coverage
  • Towing and labor services

Depending on your provider, additional coverage options may be available.

Buying car insurance in Maine

The price of car insurance in Maine can vary depending on the following factors:

  • Driving record
  • ZIP Code
  • Your coverages, limits, and deductibles
  • Gender, age, and marital status
  • Insurance history
  • Make and model of your car
  • Usual driving purpose (commute, pleasure, etc.)
  • Credit-based insurance score
  • Driving history of other drivers in your household
  • Maine car insurance discounts you qualify for

Maine car insurance discounts

When you shop for car insurance in Maine, keep these possible discounts in mind:

  • Multiple vehicles discount
  • Good student discount
  • Low mileage discount
  • Anti-theft device discount

Insurers are also required to offer Maine car insurance discounts for drivers who are 55 or older who have completed a state-approved accident prevention course.

Documents that verify car insurance in Maine

There are 4 documents that can prove you're insured in case you're pulled over:

  • An insurance ID card issued by your car insurance company
  • Your actual insurance policy
  • An insurance binder
  • A letter from your insurance company or agent certifying your coverages

Car insurance facts in Maine

Uninsured drivers in Maine

According to a recent report from the Insurance Research Council (IRC), Maine was tied with Massachusetts for the lowest rate of uninsured drivers in the nation at just 4.5 percent (which is awesome!). But uninsured drivers still present a major risk to everyone on the road.

To protect yourself from uninsured drivers, Maine requires you to purchase uninsured motorist bodily injury coverage. The best way to financially protect yourself from the uninsured is to buy the most coverage you can comfortably afford.

Driving without Maine car insurance

If you drive in Maine without car insurance, you could be fined $100–$500. Your driving privileges may also be suspended.

Related links

Plan your perfect emergency road kit
When accidents or nasty weather strike, be ready with the right supplies.

State of Maine's Bureau of Insurance
The state's insurance authority has a website with more Maine-specific information.

Wonder if you could be saving on car insurance?

Get your free quote online

or call 1-800-378-7262