Maine car insurance

In Maine, 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 Maine's auto insurance requirements, average costs, and discounts.

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What are Maine's minimum auto insurance requirements?

Maine drivers are required to have auto liability coverage (BI liability and PD liability), uninsured/underinsured motorist (UM/UIM) coverage, and medical payments coverage at the following minimum car insurance limits:

CoverageWhat it coversMinimum amount
Bodily injury liabilityWhat it coversInjuries you cause to others in an accidentMinimum amount$50,000 per person
$100,000 per accident
Property damage liabilityWhat it coversDamage you cause to other people's property in an accidentMinimum amount$25,000 per accident
UM/UIM bodily injuryWhat it coversYour medical expenses an uninsured or underinsured driver causesMinimum amount$50,000 per person
$100,000 per accident
Can select lower limits with signed form
UM/UIM property damageWhat it coversDamage to your property an uninsured or underinsured driver causesMinimum amount$25,000 per accident
Medical payments coverageWhat it coversYour medical costs due to an accident, which can include your health insurance deductibleMinimum amount$2,000 per person

While these are Maine's minimum required car insurance limits, you might be better protected with higher coverage amounts and optional coverages. Learn how much car insurance you may need based on your family's circumstances and preferences.

Is Maine a no-fault state?

No, Maine is an at-fault state, which means the party responsible for an accident must cover the injuries of the other driver and their passengers. Learn more about what happens if you're at fault in an accident.

How much is car insurance in Maine?

For a liability-only policy from Progressive, car insurance costs an average of $81.84 per month in Maine.* And using data from the National Association of Insurance Commissioners (NAIC), the Insurance Information Institute noted in 2023 that Maine was the second least expensive state for auto insurance in 2020.

That said, your rate will depend on many car insurance cost factors unique to you, such as your ZIP code, your age and driving history, and the limits and coverages you choose.

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

What is the best car insurance in Maine?

If you're looking for the cheapest car insurance in Maine, you might be able to save with Progressive. Here's how much drivers nationwide who save after switching to Progressive save on average, compared to their previous auto insurer:

  • Allstate customers who switch and save with Progressive save $775 on average††
  • GEICO customers who switch and save with Progressive save $740 on average§

How do I lower my car insurance cost in Maine?

To lower your car insurance cost in Maine, you may qualify for the following discounts through Progressive:

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

See all our auto insurance discounts.

Pro tip:

Save when you bundle! One way to get cheap car insurance in Maine is to combine your auto and home policies with Progressive — new customers who save bundling home and auto insurance save over 20% on average nationwide.

Additional car insurance coverages to consider

If you're leasing or financing a vehicle, most lenders require you to carry comprehensive auto coverage and collision coverage in addition to Maine's state-required coverages.

Comprehensive and collision pay to repair or replace your car, regardless of fault, if it's in an accident, gets stolen, or is otherwise damaged as the result of a covered incident. It also makes sense to add these physical damage coverages if you're not sure you could afford a new car or major repairs after an accident.

Explore all our car insurance coverages and our car insurance calculator to find which ones are recommended for you.

Maine driving resources

From Portland to Presque Isle, get to know Maine's driving laws and resources. These resources apply to Augusta, Lewiston, Bangor, and everywhere in between. Local municipalities may have additional laws and resources.

How to get car insurance in Maine


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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.