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Maine Car Insurance & Minimum Coverage Amounts

The Pine Tree State is known for its beautiful rocky seashores, its robust maritime history and, of course, lobster. If you’re planning to move to the Vacation State, there are some facts you should know about Maine car insurance.

The requirements for car insurance in Maine are slightly different than other states, with variations spanning minimum coverage options, car insurance rates, and more. Here’s what you need to know about getting the best and the cheapest car insurance in Maine.

Maine Car Insurance Minimum Coverage

The state of Maine requires that all drivers carry liability insurance. In the event of an accident, you will be covered if you injure someone or cause property damage. There are two ways you can cover yourself for liability insurance.

  • Purchase a policy with coverage of $50,000 per person, $100,000 per accident, and $25,000 for property damage or
  • Purchase a policy with a $125,000 Combined Single Limit

Additionally, you will need to carry a minimum of $2,000 coverage for medical expenses.

Finally, Maine drivers are required to have uninsured motorist insurance in the amount of at least $50,000 per person and $100,000 per accident. This will protect you in the event that you’re involved in an accident with someone who does not have auto insurance.

When you go to register your vehicle, you’ll need to show proof of insurance. We’ll talk a little more about the consequences of insurance lapses later in this guide.

What is the Average Cost of Car Insurance in Maine?

If you’re moving to Maine from another state, you will be happy to know that the average cost of car insurance in Maine is just $927 per year. That’s over 35% cheaper than the national average–quite a deal!

Even despite the relatively high coverage requirements, your insurance premiums average only about $78 per month. If you’ve ever paid for auto insurance in another state, you will understand just how much cheaper these car insurance rates are.

Why is Car Insurance So Cheap in Maine?

Maine car insurance is inexpensive for a few reasons. First, it’s a very rural state. Traveling outside Portland and the tourist areas like Bar Harbor, you’ll find very little traffic. There are fewer drivers on the road, and therefore there are fewer multiple car accidents.

Secondly, miles driven can be a factor. It could be said that there are three types of drivers in Maine. Those who live and work in populated areas, those who live in rural areas and travel to populated areas daily, and those who live and work in rural communities.

Drivers in Maine are simply driving less. The average commute time in Maine is just 22 minutes. The national average is 26.6 minutes, but remember that’s an average, and there are always outliers.

Lapses in Maine Car Insurance

Be sure you keep your auto insurance current and paid in Maine. If you get pulled by law enforcement, and they determine that you’re not currently carrying at least the minimum insurance requirements, you can face penalties that are quite expensive.

First, you can be issued a citation which will require that you pay for court costs and perhaps a lawyer. Secondly, a $500 fine could be assessed. Finally, your driving privilege could be suspended. This, of course, will have indirect costs if you can’t drive to work.

It’s also important to keep a copy of your insurance card with you at all times. This proof of insurance can be digital or a hard copy. If you’re pulled by the police and do not have this information on hand, you may be considered uninsured and issued a citation.

Facts About Maine Car Insurance

Want to know a little more about traffic and car insurance in Maine? Here are some facts to keep in mind as you shop for insurance.

  • There is one fatal car crash in Maine every 57 hours.
  • Snowmobiles frequently make their way to the roadways of Maine, averaging around 2 accidents per year.
  • Pay attention to those moose crossing signs. Hitting a moose, even with an SUV, is the equivalent of hitting a brick wall.
  • July nets the highest number of auto-accident-related fatalities each year. This is likely due to the rise of tourism in the summer months.

Conclusion: Auto Insurance in Maine

Auto insurance in Maine is inexpensive compared to other states in the United States. There are fewer drivers on the road, and Mainers drive less than residents of many other states.

Despite the inexpensive rates Maine auto insurance has to offer, do be sure to keep your policy current. Lapses in your coverage can result in heavy fines and even suspension of your driving privilege.