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Car Insurance Cost Estimator

Car Insurance in Maine

Figures updated on

For drivers in Maine, what they pay, the legal minimum and who offers the lowest prices.

  • For full coverage, the monthly average is $83.
  • Minimum liability limits: 50/100/25.
  • Most expensive state: 51st of 51 (1st = highest).

What does car insurance cost in Maine?

With full coverage, the average Maine driver pays $1,000 a year, or about $83 a month. Policies with only the legal minimum average $446 a year. Compared with $1,613 yearly for the US average, this amount is 38% lower.

Coverage in MainePer yearPer month
Liability$446$37
Collision$358$30
Comprehensive$196$16
Full coverage (all three)$1,000$83

Source: NAIC 2024 Auto Insurance Database Average Premium Supplement (PDF).

Maine's legal minimum

Liability coverage in Maine cannot go below 50/100/25. That means $50,000 per injured person, $100,000 for all injuries in one crash and $25,000 to cover harm to other people's property.

In Maine, the at-fault driver pays for a crash through their own liability cover.

Insurers must offer uninsured motorist cover in most states, though the law doesn't require it.

Source: Maine Bureau of Insurance, Insurance Required by Law.

What each part of the Maine minimum car insurance limit pays for: one injured person, everyone hurt in a crash, and damaged property

How many drivers in Maine lack insurance?

Among the 51, Maine had the 51st highest uninsured rate in 2023, at about 6% of drivers. If an uninsured driver hits you, uninsured motorist cover pays your bills.

Source: Insurance Information Institute, Facts + Statistics: Uninsured motorists (Insurance Research Council estimates).

Additional information about car insurance in Maine

The piece was first written on .