Car Insurance in Maine
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Introduction: Car Insurance in Maine
Maine has over 1.1 million licensed drivers, making car insurance essential for residents. Whether you’re driving through Portland’s city streets, cruising along the Maine coastline, or navigating rural highways, car insurance in Maine is legally required and provides financial protection.
Maine is known for having some of the lowest car insurance rates in the United States. According to the National Association of Insurance Commissioners (NAIC), the average annual cost of full coverage in Maine is $963, which is well below the national average of $1,674.
Maine Car Insurance Requirements (State Laws & Minimum Coverage)
Minimum Liability Coverage (50/100/25 Rule)
According to the Maine Bureau of Insurance, drivers must carry at least: ✔ $50,000 for bodily injury per person ✔ $100,000 for bodily injury per accident ✔ $25,000 for property damage per accident ✔ Uninsured/Underinsured Motorist Coverage (UM/UIM): Minimum of $50,000 per person/$100,000 per accident ✔ Medical Payments Coverage (MedPay): Minimum of $2,000 per personWhy Minimum Coverage May Not Be Enough:
- Medical bills after a severe accident can exceed $50,000 per person.
- Vehicle repairs can be higher than $25,000, especially for newer cars.
- Maine has a lower percentage of uninsured drivers, but UM/UIM coverage is still advisable.
Recommended Full Coverage for Better Protection
Many Maine drivers opt for full coverage, which includes:| Coverage Type | What It Covers | Recommended For |
|---|---|---|
| Collision Coverage | Pays for damage to your car in an accident | Drivers with new or financed vehicles |
| Comprehensive Coverage | Covers theft, vandalism, and weather damage | Important due to Maine’s winter storms and wildlife risks |
| Uninsured/Underinsured Motorist (UM/UIM) | Covers injuries from uninsured drivers | Essential for full protection |
| Medical Payments Coverage (MedPay) | Covers medical expenses regardless of fault | Beneficial for drivers with limited health insurance |
Average Cost of Car Insurance in Maine
Car insurance rates in Maine vary based on location, driving history, and vehicle type. Below is an average cost breakdown:
Kentucky Car Insurance Cost by Coverage Type
| Coverage Type | Average Annual Cost |
|---|---|
| Minimum Liability | $372 |
| Full Coverage | $963 |
Car Insurance Costs by Major Maine Cities
| City | Minimum Coverage | Full Coverage |
|---|---|---|
| Portland | $500 | $1,100 |
| Lewiston | $450 | $1,020 |
| Bangor | $420 | $980 |
| South Portland | $480 | $1,050 |
| Auburn | $440 | $1,000 |
| Biddeford | $470 | $1,080 |
| Sanford | $460 | $1,060 |
| Brunswick | $430 | $990 |
| Augusta | $410 | $960 |
| Scarborough | $490 | $1,100 |
Car Insurance Costs by Age Group
| Age Group | Minimum Coverage | Full Coverage |
|---|---|---|
| 16-19 Years | $2,800 – $4,500 | $5,500 – $7,500 |
| 20-24 Years | $1,500 – $2,200 | $3,000 – $4,200 |
| 25-34 Years | $900 – $1,500 | $2,200 – $3,200 |
| 35-44 Years | $800 – $1,300 | $2,000 – $3,000 |
| 45-54 Years | $750 – $1,200 | $1,900 – $2,800 |
| 55+ Years | $700 – $1,100 | $1,800 – $2,600 |
✔ Teen Drivers (16-19 Years): Pay the highest premiums due to inexperience and higher accident risks. Many insurers offer good student discounts to help lower costs.
✔ Young Adults (20-24 Years): Rates decrease as driving experience improves but remain higher than mid-age drivers.
✔ Mid-Age Drivers (25-49 Years): Experience the lowest insurance premiums due to lower accident risks and a longer driving history.
✔ Senior Drivers (70+ Years): Rates increase again as older drivers face higher accident risks due to slower reaction times and medical conditions.
Factors Affecting Car Insurance Rates in Maine
Several factors influence car insurance rates in Maine, including:
- Driving Record: Accidents, DUIs, and traffic violations significantly impact premiums.
- Location: Urban areas like Portland have higher rates due to congestion and theft.
- Credit Score: Maine insurers consider credit history when calculating rates.
- Annual Mileage: More miles driven increases accident risk.
- Vehicle Type: High-performance and luxury vehicles cost more to insure.
- Weather Conditions: Maine’s winter storms, ice, and wildlife hazards contribute to insurance claims.
- Coverage Level: Full coverage is more expensive but offers better protection.
Best Car Insurance Companies in Maine (2025)
Finding the right insurer depends on affordability, coverage, and customer satisfaction. Here are some top options:
| Company | Best For | Average Annual Cost (Full Coverage) |
|---|---|---|
| GEICO | Cheapest Rates | $900 |
| State Farm | Best for Customer Service | $950 |
| Progressive | Best for High-Risk Drivers | $1,100 |
| Allstate | Best Full Coverage Options | $1,200 |
| USAA (Military Families) | Lowest Rates for Military | $850 |
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FAQs
Maine law requires 50/100/25 liability coverage: $50,000 per person for injuries, $100,000 per accident, and $25,000 for property damage.
The average minimum coverage costs around $31 per month, while full coverage averages $80 per month.
Smaller cities like Augusta and Bangor tend to have lower rates compared to Portland.
Yes, Maine requires uninsured motorist coverage of at least $50,000 per person/$100,000 per accident.
Yes, but high-risk drivers may face higher premiums. Defensive driving courses and shopping around can help lower costs.
About the Author
Alex Huber is a content writer for Atoz Insurances and he is a very experienced and well-rounded freelance content writer who specializes in the insurance and finance niches. His writing is engaging and informative, and he has a strong understanding of the industries he writes about.