State guide
Car Insurance in Maine
Updated August 2026
Maine mandates one of the largest insurance packages of any state — and pays less for it than almost any other state. The minimum policy under 29-A M.R.S. §1605 is 50/100/25: $50,000 bodily injury per person, $100,000 per accident, and $25,000 property damage — bodily injury floors matched only by Alaska and, since July 2025, North Carolina, and double or more the minimums common elsewhere. Every policy must also include $2,000 of medical payments coverage and uninsured/underinsured motorist coverage of at least 50/100.
Yet the NAIC's 2022 figures put Maine's average annual expenditure at $758 — near the bottom nationally. Rural roads, low traffic density and low claim litigation keep costs down, proving that high mandatory limits and low premiums can coexist. Carriers still price the same Maine driver differently, though, and on a small premium base even modest percentage gaps are worth capturing by comparing quotes.
| Coverage | Required minimum |
|---|---|
| Bodily injury liability (per person) | $50,000 |
| Bodily injury liability (per accident) | $100,000 |
| Property damage liability | $25,000 |
| PIP / medical | $2,000 medical payments coverage required |
| Additional requirements | UM/UIM coverage of at least 50/100 required in every policy — 24-A M.R.S. §2902 |
| No-fault state | No |
| SR-22 used | Yes |
Source: 29-A M.R.S. §1605, §1605-A (medical payments); 24-A M.R.S. §2902; Maine Bureau of Insurance
Average annual expenditure for auto insurance in Maine was $758 in 2022 — among the lowest of any state. (NAIC 2022 Auto Insurance Database Average Premium Supplement (June 2024))
What a minimum Maine policy actually includes
A legal Maine policy is a three-part package, and none of the parts is optional:
Maine is an at-fault state — the driver who causes a crash is responsible for the damage — but the mandatory package means even a minimum-coverage Maine driver carries protection that would count as a mid-tier policy in much of the country.
- Liability coverage of 50/100/25 — 50/100 bodily injury minimums matched only by Alaska and, since July 2025, North Carolina
- $2,000 in medical payments coverage, which pays your own and your passengers' immediate medical bills regardless of fault
- Uninsured/underinsured motorist coverage of at least 50/100, protecting you when the at-fault driver carries too little insurance or none at all
Why mandatory UM/UIM matters
Under 24-A M.R.S. §2902, no auto policy may be issued in Maine without uninsured motorist coverage, and Maine's definition explicitly includes underinsured and hit-and-run vehicles. The coverage must match your bodily injury liability limits unless you select lower — and it can never drop below the 50/100 state minimum.
Maine's uninsured-driver rate is among the lowest in the country, but the risk never reaches zero — nationally, 15.4% of drivers were uninsured in 2023 (Insurance Research Council), and out-of-state traffic doesn't carry Maine limits. Because every carrier must sell the same UM/UIM floor, the difference between them is purely price — an unusually clean comparison-shopping problem.
SR-22 filings in Maine
Maine uses SR-22 certificates, but more sparingly than most states. A first OUI suspension generally does not require one; the Bureau of Motor Vehicles requires an SR-22 as a condition of reinstatement for second and subsequent offenses, typically maintained for three years. Insurers file electronically with the BMV, and a cancellation triggers an SR-26 notice to the state — so a lapse surfaces quickly. Drivers who need a filing face the widest premium spreads between carriers, which makes comparing quotes most valuable exactly then.
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Frequently asked questions
What car insurance is required in Maine?+
Liability coverage of at least $50,000 bodily injury per person, $100,000 per accident, and $25,000 property damage (50/100/25), plus $2,000 in medical payments coverage and uninsured/underinsured motorist coverage of at least 50/100, per 29-A M.R.S. §1605 and 24-A M.R.S. §2902.
Does Maine have the highest minimum car insurance requirements?+
Maine sits at the top of the national range: its 50/100 bodily injury minimums are matched only by Alaska and — since July 2025 — North Carolina, and Maine additionally requires medical payments and UM/UIM coverage in every policy, a combination no other state fully duplicates.
Is Maine a no-fault state?+
No. Maine is an at-fault (tort) state: the driver who causes the accident pays for the resulting damage through liability coverage. The required $2,000 medical payments coverage pays your own initial medical bills regardless of fault, but it is not a no-fault PIP system.
Does Maine require SR-22 filings?+
Sometimes. Maine's Bureau of Motor Vehicles generally does not require an SR-22 after a first offense, but requires one — typically for three years — as a condition of reinstatement after second and subsequent convictions such as repeat OUI.
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