Maine Auto Insurance Rates & Requirements 2025
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 an at-fault tort state, meaning the driver responsible for an accident is liable for damages. All drivers must carry proof of financial responsibility, typically satisfied through liability insurance meeting state minimums. The Maine Bureau of Insurance oversees enforcement, and registration requires proof of coverage through the state's electronic verification system.
Bodily Injury Liability
Property Damage Liability
Uninsured Motorist Coverage
Medical Payments Coverage
Cost Overview
about $71/mo
Average car insurance spending in Maine
Rate data: NAIC Auto Insurance Database, 2023
Find Out What Your Coverage Should Cost
Compare Rates and Get CoveredFrequently Asked Questions
Is Maine a no-fault state for car insurance?
No, Maine operates as an at-fault tort state. The driver who causes an accident is financially responsible for resulting damages. You can file a claim directly against the at-fault driver's liability insurance, and there's no restriction on your right to sue for pain and suffering. This differs from no-fault states where you first claim through your own policy regardless of fault.
Coverage Types
Liability Insurance
Covers bodily injury and property damage you cause to others. Maine's 50/100/25 minimums protect you legally but may leave you exposed in serious accidents where medical bills and vehicle damage exceed these limits.
Full Coverage
Combines liability, collision, and comprehensive coverage to protect both your legal responsibility and your own vehicle. Required by lenders for financed vehicles and recommended for cars worth over $5,000.
Comprehensive Coverage
Pays for non-collision damage including theft, vandalism, weather, falling objects, and animal strikes. Covers your vehicle repair or replacement minus your deductible regardless of fault.
Collision Coverage
Repairs or replaces your vehicle after accidents with other cars or objects, regardless of who's at fault. Pays up to your car's actual cash value minus your chosen deductible.
Uninsured Motorist Coverage
Protects you when hit by drivers without insurance or with insufficient coverage to pay your medical bills and vehicle damage. Steps in as if the at-fault driver had proper insurance.
SR-22 Insurance
A certificate of financial responsibility filed by your insurer to prove you carry minimum coverage after license suspension, DUI, or serious violations. Not a separate policy but a filing requirement added to existing coverage.