Car Insurance in Maine: 2026 Rates & Requirements

Maine requires relatively high bodily injury limits - $50,000/$100,000 - plus mandatory uninsured/underinsured motorist coverage at those same limits, yet the state consistently ranks among the most affordable in the country for car insurance.

Minimum Insurance Requirements in Maine

Maine requires drivers to carry at least $50,000/100,000 in bodily injury liability (per person / per accident) and $25,000 in property damage liability. Maine requires uninsured/underinsured motorist coverage matching its liability limits ($50,000/$100,000), plus $2,000 in MedPay. Maine is an at-fault (tort) state: the driver who caused the accident, through their liability coverage, pays for the other party's injuries and property damage. These are legal minimums, not a safety net for your own finances — most independent advisors recommend carrying meaningfully higher limits than the state requires, especially if you own a home or have savings to protect.

What Drives the Cost of Car Insurance in Maine

Portland and the rest of southern Maine carry somewhat higher premiums than the state's many rural counties, but Maine has no large metro area by national standards, which keeps the statewide average low overall. The state's low population density, low accident frequency, and generally low-litigation environment are the main reasons premiums stay affordable here despite the relatively high legal minimums - a combination that shows the minimums themselves aren't the biggest factor in what you'll actually pay.

Get Your Own Maine Estimate

The figures above are state averages for a 35-year-old driver with a clean record and full coverage — useful as a benchmark, but your own rate depends on your exact ZIP code, vehicle, driving history, and coverage choices. Run your own free, no-signup estimate below, pre-filled for Maine.