Maine car insurance

If you live in the Pine Tree State, you know that road conditions can go from smooth sailing in warmer seasons to treacherous during snowy winters. If you're a driver looking for dependable and affordable car insurance in Maine, Progressive can offer you the right protection with a variety of cost-cutting discounts to help you save. Learn more about Maine's auto insurance requirements and optional coverages.

3 min to read

What are Maine's car insurance requirements?

Car insurance is required in Maine. Drivers must carry minimum liability coverage limits of at least:

  • $50,000 in bodily injury per person
  • $100,000 in total bodily injury per accident
  • $25,000 in property damage per accident

Maine uninsured/underinsured motorist coverage

Maine also requires uninsured/underinsured motorist bodily injury coverage (UM/UIM BI) and medical payments coverage with the following minimum limits:

  • UM/UIM BI: $50,000 per person, $100,000 per accident
  • Medical payments coverage: $2,000 per person

Uninsured motorist coverage covers medical expenses for you and your passengers if a driver with insufficient coverage or no insurance runs into you. Medical payments coverage goes toward any hospital or doctor's bills you or your passengers incur after an accident.

While these represent the minimum required auto insurance in Maine, you may want to consider adding extra car insurance coverage. Increasing your auto liability insurance limits can help protect your assets and provide peace of mind.

Comprehensive and collision coverage protects your vehicle

Most lenders require comprehensive coverage and collision coverage if you lease or finance your car. But even if your ride is fully paid off, comprehensive and collision can be valuable if your vehicle gets stolen, vandalized, or damaged in a covered incident.

Ready to make the switch? Drivers nationwide who switch and save with Progressive save nearly $750 on average.* Get a car insurance quote today.

What is the average cost of car insurance in Maine?

Progressive liability-only auto policies in Maine cost an average of $71 per month (single driver/single car) as of 2020-2021.** Remember, rates vary based on your driving history, ZIP code, and coverage selections.

Are there any car insurance discounts in Maine?

Progressive offers many discounts to lower your price for auto insurance, including:

  • Homeowner
  • Multi-car
  • Five-year claim-free
  • Online quote
  • Paid in full
  • Teen driver
  • Multi-policy
  • Online signature

When you bundle auto and homeowners insurance in Maine, you'll get the protection you need — and savings you'll love. There are many other ways to earn a multi-policy discount by bundling two or more policies with Progressive like motorcycle/boat, RV, or renters.

See all auto insurance discounts.

Pro tip:

Progressive's Name Your Price® tool puts you in the driver's seat — you tell us how much you want to pay, and we'll give you options based on your price range. Learn more about our Name Your Price tool.

Fast facts about driving in Maine

  1. Maine’s Bureau of Motor Vehicles and police officers allow you to show proof of insurance from your smartphone. Learn how to get proof of insurance.

  2. If you drive without car insurance in Maine, you're subject to a fine from $100 to $500 plus a suspension of your license.

  3. It's illegal to drive with a cracked windshield in Maine. Comprehensive coverage can pay to repair or replace a broken windshield.

How to get car insurance in Maine


Answer some easy questions and choose coverages.

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Call 1-866-749-7436

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Quote car insurance online or give us a call

Learn more about car insurance policies.

Please note: The above is meant as general information to help you understand the different aspects of insurance. Read our editorial standards for Answers content. This information is not an insurance policy, does not refer to any specific insurance policy, and does not modify any provisions, limitations, or exclusions expressly stated in any insurance policy. Descriptions of all coverages and other features are necessarily brief; in order to fully understand the coverages and other features of a specific insurance policy, we encourage you to read the applicable policy and/or speak to an insurance representative. Coverages and other features vary between insurers, vary by state, and are not available in all states. Whether an accident or other loss is covered is subject to the terms and conditions of the actual insurance policy or policies involved in the claim. References to average or typical premiums, amounts of losses, deductibles, costs of coverages/repair, etc., are illustrative and may not apply to your situation. We are not responsible for the content of any third-party sites linked from this page.