Maine Auto Insurance Requirements
From state and national parks to charming coastal towns, Maine offers endless adventures. Whether you're exploring downtown Portland or heading to Acadia National Park for a weekend getaway, having affordable auto insurance ensures you and your vehicle stay protected across the Pine Tree State. Learn what coverages are mandatory, which are optional, and how EagleWay Auto Insurance can help you get cheap Maine auto insurance. Request a free quote today and see how much you can save.
Maine Car Insurance Laws
Maine law requires all drivers to carry auto insurance that meets the state’s minimum financial responsibility standards. Liability limits in Maine are expressed as 50/100/25.
Drivers must also carry uninsured/underinsured motorist bodily injury coverage and medical payments coverage.
Minimum Required Coverages
| Coverage Type | Required? |
|---|---|
| Bodily Injury Liability Pays for injuries to others if you cause an accident. |
Yes — $50,000 per person / $100,000 per accident |
| Property Damage Liability Pays for damage to others’ property caused by your vehicle. |
Yes — $25,000 per accident |
| Uninsured/Underinsured Motorist (UM/UIM) Pays your medical expenses if the at-fault driver has no or insufficient insurance. |
Yes — $50,000 per person / $100,000 per accident |
| Medical Payments (MedPay) Helps cover medical expenses regardless of fault. |
Yes — $2,000 per person |
| Collision Coverage Covers your vehicle after collisions with vehicles/objects. |
Not required1 |
| Comprehensive Coverage Covers non-collision events: fire, theft, flooding, animals, vandalism. |
Not required1 |
Important: While minimum coverage satisfies state requirements, it may not fully protect you.
Collision and comprehensive coverage provide broader protection for your own vehicle.
1Your lender may require these coverages if your vehicle is leased or financed.
Optional Add-On Coverages
- Roadside Assistance*
- Emergency Protection Plan (EPP)*
- Towing & Labor Coverage
- Rental Reimbursement
Maine Insurance Penalties & Financial Responsibility
Driving without insurance in Maine is a serious offense. If you cannot provide proof of insurance, you may face:
- Fines
- Driver’s license suspension
- Requirement to file an SR-22 for 3 years
Driving With a Suspended License
Operating a vehicle with a suspended, revoked, or unlicensed status is a Class E crime in Maine and may lead to:
- Increasing fines for repeated offenses
- Additional license suspension
SR-22 Insurance in Maine
You may be required to file an SR-22 if you:
- Have committed serious driving violations
- Failed to maintain minimum liability coverage
- Were convicted of DUI/DWI
High-Risk Auto Insurance in Maine
Not all drivers have a perfect history, and some may be labeled high-risk due to previous violations. EagleWay Auto Insurance proudly helps provide affordable non-standard auto insurance for these drivers. We believe your past shouldn’t define your future.
What Affects Auto Insurance Rates in Maine?
- Your chosen coverage types & limits
- Your vehicle’s model, year, and value
- Your driving habits and location
- Age, gender, and other demographics
- Your driving record
- Your credit history