Maine Car Insurance

Last Updated on October 2, 2020

maine car insurance

Read our guide on auto insurance in Maine below. Image: FLICKR

Taking a driving tour of Maine is high on many people’s bucket lists. The country foliage and the coastal beaches are enough to draw anyone to the northern U.S. In fact, Maine has a larger coastline than California but make sure that you follow all the rules when driving. Maine is notorious for speed traps and police officers rarely let you go with a warning. To avoid further problems whether you receive a ticket or get into an accident, it’s always a good idea to maintain the proper insurance on your car. It can help protect you in the instance of an unanticipated collision.

Average Auto Insurance Prices in Maine

Most Maine residents enjoy premiums that are lower than the average premium. Maybe it’s due to the fact that the majority of the state is rural. When you have to drive winding country roads through a near blizzard, people learn that safety is of the utmost importance. Maine also keeps drivers safe by maintaining tight restrictions on young drivers through a graduated licensing system. Fewer accidents overall equal lower rates.

Current average U.S. car insurance premium = $1,613.49

Current average Maine car insurance premium = $1208.67

But not all cities enjoy rates lower than the national average.  Auburn’s average car insurance rates top out at $1,996. The following cities have the next highest rates.

  1. Lewiston (Auburn’s sister city)= $1,418
  2. Sanford= $1,322
  3. Waterville= $1,321
  4. Biddeford= $1,196
  5. Bangor= $1,173

Minimum Insurance Requirements In Maine

All states have a minimum level of coverage requirements but many times, that may not be enough to protect in case of a serious accident although Maine (alone with Wisconsin) does have the highest legal requirements in the U.S.  Legally, you are required to have the following amounts of coverage:

  • Bodily Injury Liability per person= $50,000
  • Bodily Injury Liability per accident = $100,000
  • Property damage liability= $25,000
  • Uninsured/Underinsured Motorist Bodily Injury per person = $50,000
  • Uninsured/Underinsured Motorist Bodily Injury per accident= $100,000
  • Medical Payments= $2,000

If you have a single combined policy of $125,000, this helps take care of legal requirements as well. Remember that obeying the law may not necessarily keep your finances safe. Typical Maine auto policies will include the following coverage types and you can get multiple quotes for different levels of coverage.

  • Liability: covers property damage and injuries to others that you caused
  • Medical Payments: provides coverage for you and passengers
  • Collision: protects the driver when a collision with another vehicle occurs
  • Comprehensive: provides coverage when damages occur as a result of something other than a collision

Penalties for Driving Without Insurance in Maine

Almost all states require that a driver have insurance and Maine isn’t any different. To register your car, you must provide proof of registration and be sure that your coverage doesn’t lapse. If you get pulled over without insurance you face fines ranging anywhere from $100 to $500. It’s possible that your license could be suspended until you find car insurance. The DMV may impose other requirements like driving with a restricted license for a certain period of time.

Worst of all, you could even face jail time. In Maine, driving without a license is considered a Class E crime. This means you can be arrested and if served with the maximum sentence, could spend up to 6 months in jail. When it comes to driving without insurance, just don’t do it. You run a huge risk that will end up costing you more than insurance ever would.

How to Get Cheap Auto Insurance in Maine

Shopping for insurance can be frustrating. Once you figure out the amount of coverage you need, it’s then recommended that you shop for multiple quotes to find the best time. Who’s got the time to do that? At Insurance Panda, we know that you’re a busy individual. That’s why we’ve developed an auto insurance quote comparison tool. It’s really easy to use and will provide a custom Maine auto insurance quote for you based on your needs.

To get started, all you need to do is enter your zip code and fill out a form that requires some basic information. Once you submit your form, you will begin to receive auto insurance quotes from different Maine providers. You then have your choice of the best quote and best policy for your vehicle.

Additional Maine Auto Insurance Resources

The information above is provided for reference only. Insurance Panda cannot be held legally responsible for anything mentioned above. For official information, see the official Maine government agency websites below:

Back to Top