Maine Auto Insurance Guide for First-Time Buyers
Maine requires 50/100/25 liability coverage and is an at-fault state.
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Maine at a Glance
50/100/25
Minimum liability limits, in thousands of dollars (per person / per accident / property)
At-fault
The at-fault driver's insurance pays for the damage they cause
Required
PIP and Uninsured motorist coverage must be on every policy
15
Minimum learner's permit age, 70 supervised driving hours
Source: state DMV, insurance department and statute records, verified July 2026
State Requirements
Maine operates under a traditional tort liability system, meaning the at-fault driver's insurance pays for damages after an accident. The state requires proof of insurance at registration and during traffic stops — you must carry your insurance card or electronic proof at all times. Maine also mandates medical payments coverage, a requirement uncommon in most states, to ensure immediate medical cost coverage regardless of fault.
Bodily Injury Liability
Property Damage Liability
Medical Payments Coverage
Uninsured Motorist Coverage
Underinsured Motorist Coverage
Cost Overview
$326/mo
Typical monthly rate in Maine, new drivers
Rate data: Insurify, 2026
Start Your First Policy on the Right Foot
Get Your First Auto QuoteRules for new drivers
Night driving
midnight-5am
Passengers
no passengers (family exempt) for first 270 days
Source: IIHS and state DMV records, verified July 2026
Coverage Types
Liability Insurance
Covers injuries and property damage you cause to others. Your premium (the amount you pay monthly or annually) and your liability limits (the maximum your insurer pays per accident) are the two key components — Maine requires 50/100/25 minimums, but 100/300/50 provides better protection for only $30–$50/month more.
Full Coverage
Combines liability, collision (covers your vehicle in an at-fault accident), and comprehensive (covers theft, vandalism, weather, and animal strikes). The term 'full coverage' isn't an official insurance product — it's shorthand for carrying both liability and physical damage protection with a deductible (the amount you pay before insurance covers the rest).
Comprehensive Coverage
Covers non-collision damage: theft, vandalism, fire, falling objects, flooding, hail, and animal strikes. You choose a deductible amount ($250, $500, or $1,000 are most common) — lower deductibles mean higher monthly premiums but less out-of-pocket cost when you file a claim.
Collision Coverage
Pays to repair or replace your vehicle after an accident, regardless of fault. If you hit another car, a guardrail, or roll your vehicle, collision coverage handles your repair costs minus your chosen deductible — liability coverage only pays for the other driver's vehicle, never yours.
Uninsured Motorist Coverage
Protects you when an at-fault driver has no insurance or flees the scene. Maine insurers must offer this at your liability limits, and declining it requires a signed waiver — this coverage becomes your own insurance policy paying for your injuries when the other driver can't or won't.
SR-22 Insurance
Not a separate coverage type but a certificate your insurer files with Maine's Bureau of Motor Vehicles proving you carry at least minimum liability coverage. Required after certain violations like DUI, driving without insurance, or multiple at-fault accidents — the SR-22 filing itself costs $15–$50, but the underlying violation increases your premium by 50–150%.