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maine car insurance that’s right for you, not someone sorta like you

Driving through Maine brings its fair share of perils, which helps explain the high coverage requirements for auto insurance in your state. Don't worry: we'll help you sort out car insurance in the Pine Tree State, and even show you some hefty discounts you can score when you get your Maine car insurance quote.

You'll be happily chirping like your state's famous chickadees when you see how much money you could start saving today.

maine car insurance discounts

While the leaves in your state are famous for losing their green, we believe Maine drivers should be famous for keeping theirs. Keep these money-savers in mind when you get a free quote:

  • Fast 5® discount
  • Switch & Save® discount
  • Multi-Car discount
  • Paid-in-Full discount
  • DriveSense™ discount
  • Homeowners discount
  • Good Student discount
  • Claim-Free discount

State law also requires Maine insurance companies to provide a discount for motorists 55 or older that have completed a state-approved accident prevention course. Ask if you qualify for our Defensive Driver discount when you get a quote.

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

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

Uninsured motorist bodily injury coverage helps pay for injuries you and your passengers suffer when you're involved in an accident caused by an uninsured driver. If you're hit by someone without sufficient liability coverage to pay for your accident-related expenses, underinsured motorist bodily injury coverage steps in to help.

Medical payments coverage in Maine allows $2,000 per insured, per incident to help pay for accident-related medical bills.

Optional coverages

Esurance offers the following additional coverages to Maine motorists who want extra financial protection in the event of an accident.

  • Comprehensive coverage
  • Collision coverage
  • Towing and labor coverage
  • CarMatch Rental Coverage®
  • Custom parts and equipment coverage
  • Auto loan/lease gap coverage

Additional coverages may be available when you get your quote — just ask one of our licensed reps!

buying car insurance in maine

Auto insurers in Maine (us included) can consider the following factors when determining what you will pay for a car insurance policy:

  • Driving record and claims history
  • Location where your car is parked
  • Your coverages, limits, and deductibles
  • Amount of time you've been licensed
  • Insurance history, including lapses
  • Year, make, and model of your car
  • Usual driving purpose (commute, pleasure, etc.)
  • Credit-based insurance score

And while some of these factors are out of your control, CoverageMyWay™, only from Esurance, can at least help you make smart choices by serving up coverage options based on information you provide during your quote. It's just one more way we aim to make car insurance simpler and more flexible.

car insurance facts in maine

Distracted driving

According to statistics from the State Bureau of Highway Safety, there were 3,111 car crashes involving distracted drivers in 2013 alone — including 12 fatal crashes.

The alarming trend helped prompt a 4-year statewide campaign aimed at combating distracted driving. The initiative — launched in 2014 by highway and police officials — is aptly named, "One text or call could wreck it all."

Maine's uninsured drivers

According to a 2011 report from the Insurance Research Council using data from 2009, Maine was tied with Massachusetts for the lowest rate of uninsured drivers in the nation at just 4.5 percent (which is awesome!). The national average was 13.8 percent.

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.

But no more fumbling through the glove box if you get pulled over, Pine Tree State residents. Maine law allows digital proof of insurance, which means you can pull up legitimate evidence of your coverage on your smartphone, tablet, or other device.

Maine's rules on electronic proof of insurance

No more fumbling through the glove box if you get pulled over, Pine Tree State residents. Maine law allows digital proof of insurance, which means you can pull up legitimate evidence of your coverage on your smartphone, tablet, or other device in the event of an unfortunate pullover.

And if you're an Esurance customer, you can access your ID cards, manage your policy, and even file a claim through our innovative mobile app.

Drunk driving in Maine

There were 49 drunk-driving fatalities in Maine in 2012 — a 113 percent increase over the previous year according to statistics from Mothers Against Drunk Driving. That accounted for 30 percent of all total traffic deaths in Maine in 2012.

In 2013, Maine became the twentieth state in the country to require even first-time convicted drunk drivers to install an ignition interlock device in their vehicles.

This is one of multiple steps the state is taking to make the roads safer (and in turn, the car insurance less expensive) for everyone.

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?

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or call 1-800-378-7262