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Maine Auto Insurance

The State of Maine requires that drivers carry liability insurance, as it is a tort state. This means that any driver who causes an accident has to pay the expenses that arise from the accident. The expenses will include all medical and property damages even if the cost exceeds the amount of the driver's coverage.

Maine Auto Insurance Coverage Laws

Maine auto insurance requires minimum liability coverage of 50/100/25. This coverage means each driver’s insurance should pay out at least $50,000 per person, $100,000 for all persons, and $25,000 for property damages in the case of an at-fault accident.

Also, Maine insurance laws require drivers to carry uninsured motorist bodily injury protection of 50/100 or $50,000 per person and $100,000 for all. This coverage protects you against motorists who may not have adequate coverage, or those who have no insurance at all and cause you damages.

Maine auto insurance providers will also offer collision and comprehensive coverage. These options can raise your premiums significantly but are generally a good investment if you drive an expensive automobile. Additionally, you will probably be required to carry this extra coverage if you are financing or leasing your vehicle.

Maine Auto Insurance Costs

In 2003, Maine ranked well below the national average for auto insurance premium expenditures. The 2003 average amount spent was $630.79, which ranked them at 42nd in the country. Maine drivers spent on average $351.88 for liability, $261.95 for collision, and $116.14 for comprehensive coverage in 2003. However, rates are on the increase, with an overall upward trend of almost 23% over the last five years.

How does the insurance company figure out Maine auto insurance premiums? Insurance companies factor in elements like age, driving record, vehicle type, and marital status when calculating individual premiums. They also have a formula to determine the total cost to insure the entire state. These two variables are used in different ways by different companies to determine the final premium that individual drivers will pay.

Maine Auto Insurance Companies

Maine auto insurance providers will differ in cost, sometimes significantly. Therefore, it is always good to shop around before buying your coverage.

Additional Resources and Information

For more information on Maine auto insurance, visit or write the Maine Bureau of Insurance.

Maine Bureau of Insurance
#34 State House Station
Augusta, ME 04333-0034
Phone: (800) 300-5000

For other Maine Insurance Resources, See:

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