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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Explore Progressive Answers' auto editorial guidelines to find out why you can trust the car insurance information you find here.

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:

Coverage	What it covers	Minimum amount
Bodily injury liability	What it coversInjuries you cause to others in an accident	Minimum amount$50,000 per person $100,000 per accident
Property damage liability	What it coversDamage you cause to other people's property in an accident	Minimum amount$25,000 per accident
UM/UIM bodily injury	What it coversYour medical expenses an uninsured or underinsured driver causes	Minimum amount$50,000 per person $100,000 per accident Can select lower limits with signed form
UM/UIM property damage	What it coversDamage to your property an uninsured or underinsured driver causes	Minimum amount$25,000 per accident
Medical payments coverage	What it coversYour medical costs due to an accident, which can include your health insurance deductible	Minimum 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 over $800 on average.^† Get an auto insurance quote today.

What is the best car insurance in Maine?

Finding the best car insurance in Maine means comparing equal coverages, limits, deductibles, and discounts. Progressive offers plenty of incentives to help drivers in Maine get the best car insurance. Our auto insurance customers earn an average of seven discounts, and we're the #1 writer of personal auto 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 $920 on average^††
GEICO customers who switch and save with Progressive save $757 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.

Maine Bureau of Motor Vehicles: Find out how to get or renew your Maine license and registration.
Maine Department of Transportation traffic laws: Review Maine's traffic and parking regulations.
Maine Motorist Handbook: Learn more about Maine's rules for titling, registering, and insuring your vehicle.
Car insurance resource center: Learn more about how car insurance works, from terms and definitions to savings tips.