Maine Car Insurance: Affordable Coverage in Vacationland
Low rates, high requirements, and moose crossings—what you need to know.
Maine Quick Facts
✓ The Maine Advantage
Maine has some of the highest minimum requirements (50/100/25) AND lowest premiums in America. The state also boasts the lowest uninsured rate at just 4.9%. Responsible driving culture + rural demographics = affordable coverage.
Maine Minimum Insurance Requirements
Maine's minimums are among the highest in the nation—which is actually a consumer protection:
| Coverage Type | Minimum Required | Notes |
|---|---|---|
| Bodily Injury (per person) | $50,000 | Double most states' minimums |
| Bodily Injury (per accident) | $100,000 | Double most states' minimums |
| Property Damage | $25,000 | Standard |
| Medical Payments | $2,000 | Mandatory Med Pay |
| Uninsured Motorist | $50,000/$100,000 | Mandatory—same as liability |
Average Car Insurance Costs in Maine
| Coverage Level | Annual Premium | Monthly Cost |
|---|---|---|
| State Minimum | $456 | $38 |
| Full Coverage | $1,118 | $93 |
Costs by Maine City
| City | Avg. Annual Premium | vs. State Avg. |
|---|---|---|
| Portland | $1,280 | +14% |
| Lewiston | $1,180 | +6% |
| Bangor | $1,080 | -3% |
| Augusta | $1,040 | -7% |
| Rural Maine | $920 | -18% |
Maine-Specific Considerations
Moose Collisions—Deadly Serious
Maine averages 500+ moose-vehicle collisions annually. At 1,000+ lbs and tall enough to come through your windshield, moose strikes are often fatal. Comprehensive coverage is essential in northern Maine.
Oldest Population in America
Maine's median age (45.1) is the highest in the nation. Older drivers tend to have fewer accidents, helping keep rates low statewide.
Modified Comparative Fault
Maine follows a 50% bar rule. You recover nothing if you're 50% or more at fault.
Harsh Winters
Maine winters are brutal. Single-vehicle ice accidents are common. Collision coverage pays for these.
Top Car Insurance Companies in Maine
GEICO
Often cheapest in Maine. Online service works well in rural areas.
Amica
New England regional. Best customer service. Dividend policies.
State Farm
Strong agent network. Good bundling discounts.
MMG Insurance
Maine-based company. Local expertise. Competitive rates.
Bottom Line: Maine Car Insurance
Maine proves that high minimum requirements don't mean high premiums. With strong coverage mandates and low rates, it's one of the best states for car insurance.
Add comprehensive coverage for moose and wildlife. Shop GEICO, Amica, and MMG Insurance (local). Portland has the highest rates; rural Maine is extremely affordable.