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Maine Car Insurance

Written by Michele Wilmonen. Posted in Research Last Updated: 12/01/2017

The amounts of coverage required for Maine car insurance are some of the highest in the nation.

State Regulator Information 800-300-5000
Insurance Premium Avg. Annual Premium: $ 864 National Average: $1,318
Mandatory Car Insurance Coverage Bodily Injury Liab.:$50k/100k
Property Damage Liability: $25k
Um/UIM.:$50k/100kMedPay: $2k
Maine car insurance

Just like a lighthouse, Maine car insurance requirements sit high above what other states require.

The state of Maine has very high insurance requirements for its drivers. Most states only require 2 coverages (bodily injury and property damage liability) for their drivers to be able to drive. Maine on the other hand requires 5 separate coverages to be purchased and is among the few states that have this many coverage requirements.

On top of the number of coverages required, they also have some of the highest liability limit requirements in the nation.

Mandatory Maine Car Insurance Liability Coverage

Liability coverage is mandatory in almost all of the states across the nation, but Maine car insurance is at the top of the list as far as the high amounts required for bodily injury liability coverage. While most states usually require 25/50 limits for their bodily injury coverage, Maine requires that their drivers carry 50/100.

What exactly does 50/100 mean? It means that you have to carry no less than $50,000 in coverage for the medical bills that another person may have after you injure them in a car accident that is your fault. If there are two or more people injured in an accident that you are at fault for, you have to have $100,000 in coverage on your insurance to pay for all of the medical bills together. These limits are the minimum you are allowed to buy, but are the maximum your insurance company will pay if an accident does happen.

The requirements for property damage liability coverage on a Maine car insurance policy are really no more or less than most other states require. The minimum limit that you can buy for this coverage is $25,000 and it covers the damages you do with your vehicle, to property you do not own.

Mandatory Maine Car Insurance UM/UIM Coverage

UM/UIM stands for uninsured motorist/underinsured motorist coverage. These coverages protect you from other drivers that flee the scene of an accident, don’t have insurance or don’t have enough insurance. It only pays for the expenses that result from injuries and does not cover the damages that may be done to your vehicle.

You can have no less than 50/100 for your UM/UIM limits, just like with the bodily injury liability coverage. If you have more than 50/100 for your bodily injury liability coverage, your UM/UIM has to be the same. There is a form you can sign with your agent though, that will allow you to carry lower limits than your bodily injury liability limits; but the UM/UIM coverage still cannot fall below 50/100.

Mandatory Maine Car Insurance MedPay Coverage

MedPay (Medical Payments) coverage is for expenses that arise from injuries you received from a car accident. It is available for you to use regardless of who is found to be at fault for the accident you were in.

With MedPay you are required to carry no less than $2000 in this coverage on your Maine car insurance policy.


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Michele Wilmonen

Michele's first introduction to insurance was working for a major insurance company as a file clerk and a mailroom supervisor in a regional office. She learned insurance directly from underwriters and claims adjusters from questions and also watching them do their job. Since then, she's earned a number of insurance certifications from the Insurance Institute of America and also a Bachelor’s degree from the University of Idaho. She blogs at Car Insurance Guidebook.

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