Maine Auto Insurance Requirements & Rates Guide
Maine requires 50/100/25 liability coverage and is an at-fault state.
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Maine at a Glance
50/100/25
Minimum liability limits, in thousands of dollars (per person / per accident / property)
At-fault
The at-fault driver's insurance pays for the damage they cause
Required
PIP and Uninsured motorist coverage must be on every policy
Source: state DMV, insurance department and statute records, verified July 2026
State Requirements
Maine operates as a traditional tort state, meaning the at-fault driver's insurance pays for damages after an accident. All drivers must carry proof of insurance and present it during traffic stops or after collisions.
Bodily Injury Liability
Property Damage Liability
Uninsured/Underinsured Motorist Coverage
Medical Payments Coverage
Cost Overview
about $71/mo
Average car insurance spending in Maine
Rate data: NAIC Auto Insurance Database, 2023
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Compare Auto Insurance RatesFrequently Asked Questions
Is Maine a no-fault insurance state?
No, Maine operates as a traditional tort state, meaning the at-fault driver's insurance pays for injuries and property damage after an accident. Injured parties can file claims against the at-fault driver and sue for damages exceeding policy limits. Maine does require insurers to offer medical payments coverage, which provides no-fault medical reimbursement up to the policy limit, but this differs from the comprehensive no-fault systems in states like Michigan or Florida.
Coverage Types
Liability Insurance
Covers injuries and property damage you cause to others. Maine's 50/100/25 minimums are mandatory but often insufficient for serious accidents involving newer vehicles or significant injuries.
Full Coverage
Combines liability, comprehensive, and collision into complete protection for both your vehicle and others. Required by lenders and advisable for any vehicle worth more than a few thousand dollars.
Comprehensive Coverage
Pays for non-collision damage to your vehicle — theft, vandalism, fire, falling objects, weather, and animal strikes. Carries a deductible you choose, typically $500–$1,000.
Uninsured Motorist Coverage
Protects you when hit by a driver with no insurance or inadequate coverage. Maine requires insurers to offer UM/UIM at your liability limits unless you reject it in writing.
Collision Coverage
Pays to repair or replace your vehicle after an accident with another car or object, regardless of fault. Subject to your chosen deductible, typically $500–$1,000.