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Maine is an at-fault (tort) state. Drivers must carry at least 50/100/25 in coverage, and the average full-coverage premium is $1,708 a year, 42% below the national average of $2,922. This guide covers what Maine requires, what drivers pay, the rules on fault, uninsured drivers, penalties, teen drivers and phone use, and how to pay less.
| Minimum coverage | 50/100/25 |
| Fault system | At-fault (tort) |
| Average full coverage | $1,708 a year ($142 a month), 42% below the national average of $2,922 |
| Uninsured drivers | 5.7% (2023), the 51st highest rate of 51 |
| Filing after serious violations | SR-22 |
Maine requires $50,000 bodily injury liability per person, $100,000 per accident, and $25,000 property damage liability, among the highest liability minimums in the country (Maine Bureau of Insurance, "Insurance Required by Law").
| Medical payments | At least $2,000 of medical payments coverage for you and your passengers. |
| Uninsured/underinsured motorist | Included in every Maine policy, at least $50,000 per person and $100,000 per accident. |
The minimums are a legal floor, not a recommendation. Property damage limits in particular don't go far when a new car can cost more than the limit to replace, and anything above your limits is your personal responsibility. See how limits and deductibles work and every type of coverage explained.
The average full-coverage premium in Maine is $1,708 a year, 42% below the national average of $2,922. That makes Maine the 5th cheapest of 49 (48 states plus D.C.; Alaska and Hawaii aren't in the data) (Experian, "Car Insurance Average Costs by State," published September 9, 2026; full coverage, 12 months to August 2026).
Within Maine, prices still vary a lot by ZIP code, driving record and car, and 5.7% of drivers on Maine roads were uninsured in 2023, so the coverage you choose matters as much as the premium.
Your own price depends on your ZIP code, age, driving record, car and coverage. Try our car insurance calculator with Maine preselected for a personal estimate, and see what determines your car insurance cost.
Maine uses modified comparative fault with a 50% bar: your damages are reduced by your share of the blame, and you recover nothing if you are 50% or more at fault. (Matthiesen, Wickert & Lehrer, "Contributory Negligence/Comparative Fault Laws in All 50 States," updated June 10, 2026)
An estimated 5.7% of Maine drivers were uninsured in 2023, the 51st highest rate among the 50 states and D.C. (Insurance Research Council, uninsured motorist estimates for 2023, via Insurance Information Institute "Facts + Statistics: Uninsured motorists"). Uninsured and underinsured motorist coverage protects you when one of them hits you. See coverage types.
Failing to produce evidence of insurance when required can lead to a charge of uninsured operation and suspension of your license and registration. (Maine Bureau of Motor Vehicles, "Financial Responsibility")
Operating without insurance is a traffic infraction with a forfeiture of $100 to $500. Thirty days after the violation is adjudicated, the Secretary of State suspends your license, and you must file proof of financial responsibility (SR-22) to avoid or end suspension of your license and registration. (Maine Revised Statutes Title 29-A §1601; Maine Bureau of Motor Vehicles)
A conviction for driving uninsured also follows you into your next policy. In CarInsurance.com's rate analysis, it raised the average full-coverage premium in Maine from $1,175 to $1,413 a year, an increase of 20% (CarInsurance.com, "Penalty for driving without insurance in every state," updated March 24, 2026; rate analysis).
Beyond the penalties, driving uninsured leaves you personally liable for any damage you cause. See what happens if you drive without car insurance.
Maine requires an SR-22 after an adjudication for failing to produce evidence of insurance, and commonly after an uninsured accident or a serious conviction. (Maine Bureau of Motor Vehicles, "Financial Responsibility")
Maine uses graduated driver licensing (Insurance Institute for Highway Safety, "Graduated licensing laws" table):
Adding a teen is usually the biggest single increase in a family's premium. Keeping them on the family policy, a good-student discount and a safe, modest car help most.
A distracted-driving ticket can count against your record and your premium. (Insurance Institute for Highway Safety, "Electronic device laws" table)
See how to compare car insurance quotes, or get quotes for your ZIP code.
For questions about a policy, a claim or an insurer's conduct, contact the Maine Bureau of Insurance. It handles consumer questions and complaints about insurers in Maine.
AutoInsuranceQuery editorial team. Last reviewed: September 29, 2026.
