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Car insurance in Maine – All you need to know

  • Auto Insurance
  • Renee Martin
  • 4 minutes

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Maine drivers can consider themselves lucky when it comes to insurance premiums. Maine has some of the lowest car insurance rates in the country! That said, it wouldn’t hurt to save a little extra on your car insurance in Maine, would it? Maine does have minimum insurance requirements, and driving without insurance will result in fines. However, before you buy auto insurance, it’s necessary to understand Maine’s vehicle insurance laws, so you be sure you’re complying with them. Here’s all the info that you’ll need to make the right decision on purchasing car insurance in Maine.

Car insurance in Maine - All you need to know

Do I need to have car insurance in Maine?

Yes, you do. Driving a car or any other vehicle without proof of insurance or financial responsibility is illegal in the state of Maine. All Maine drivers must have proof of continuing insurance while driving a vehicle in Maine.

What is the minimum car insurance coverage legally required in Maine?

The minimum liability car insurance coverage as required in Maine is

  • For bodily injury – $50,000 per person and $100,000 per accident
  • For property damage – $25,000 per accident
  • For uninsured motorist – $50,000 per person and $100,000 per accident

How much is car insurance in Maine?

Car insurance isn’t all that expensive in Maine, especially when compared with other states. However, car insurance in Maine will still cost you around $455 a year. Please keep in mind that car insurance rates in Maine may vary depending on various factors such as your location, marital status, driving record, and credit history.

How much is car insurance in Maine per month?

You’ll need to spend around $38 for a monthly Maine car insurance. While this is not a very large sum, you can further reduce your rates by maintaining a clean driving record and a perfect credit history.

Does insurance follow the car or driver in Maine?

In Maine, insurance policy generally follows the vehicle rather than the driver. For instance, if your friend were to borrow your car and get into an accident, your car insurance will be the primary source for compensation and not your friend’s. If the damages exceed your coverage limitations, your friend’s policy can be a source of secondary coverage. However, their coverage will come into play only when yours has been exhausted.

Is Maine a no-fault state for car insurance?

Car insurance in Maine - All you need to know

No, Maine is not a no-fault state. In fact, Maine uses a fault-based system (also called the ‘tort’ system) for car insurance claims. Essentially, the driver who is found legally responsible for the accident has responsibility for damages (financial compensation) for any losses experienced in an accident, including medical expenditures, lost wages, property damage, and other expenditures.

Does the minimum car insurance coverage in Maine adequately protect you?

Unfortunately, Maine’s minimum liability insurance provisions do not adequately protect you if you get into a serious car accident. The $50,000 physical injury cap for a person’s injuries or death may be a paltry sum in comparison to what you could owe if you were at fault. Even a $25,000 property damage claim could be insufficient. If you are injured in an accident, and the other motorist has only the minimal minimum of insurance, you will not be compensated appropriately for your injuries and property damage. Only the negligent driver’s insurance company will be held accountable up to the policy limits. This is most likely far less than what you will need to cover your increasing medical bills and replace your lost wages. Getting proper Maine automobile insurance is critical for your financial and physical security.

How can I find the cheapest car insurance in Maine?

The most convenient way to find cheap Maine auto insurance is to compare quotes from several providers online. You start your research by looking for cheap Maine car insurance quotes by obtaining free insurance quotes from the best insurance companies in the country via the Way.com website or app.

Check out our blogs for info on finding top-rated airport parking, the best parking spots in your city, and affordable car washes near you.

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