Car Insurance in Maine
Maine drivers spend an average of $856 a year on auto insurance according to the NAIC — ▼ −33% versus the national average of $1,282, ranking 50th most expensive of 51. The state requires 50/100/25 liability coverage and follows an at-fault system.
Average car insurance cost in Maine
The NAIC average expenditure is what insured drivers actually paid on average, including people who carry only liability. For those who buy each coverage, the average premium was $425 for liability, $336 for collision and $165 for comprehensive ($926 combined, versus $1,439 nationally). That average expenditure is 12% higher than the NAIC's previous data year ($767). Comprehensive coverage is cheaper than average here, a sign of lower weather and theft losses.
Minimum car insurance requirements in Maine
Maine's minimum is written as 50/100/25: $50,000 per person / $100,000 per accident in bodily injury liability and $25,000 in property damage liability. Moving up to 100/300/100 limits would cost about $90 more a year by our estimate.
| Coverage | Required? | Minimum | What it pays for |
|---|---|---|---|
| Bodily injury liability | Yes | $50,000 per person / $100,000 per accident or $125,000 combined single limit | Injuries you cause to other people |
| Property damage liability | Yes | $25,000 | Damage you cause to other vehicles and property |
| Personal injury protection (PIP) | No | — Maine does not require personal injury protection. | Your own medical bills and lost wages, regardless of fault |
| Uninsured motorist (UM) | Yes | 50/100 Uninsured/underinsured motorist coverage of at least 50/100 is required and must match higher liability limits unless the higher limit is rejected in writing. | Your injuries when the at-fault driver has no insurance |
| Underinsured motorist (UIM) | Yes | 50/100 Underinsured protection is included in Maine's required uninsured/underinsured motorist coverage. | The gap when the at-fault driver’s limits are too low |
| Medical payments (MedPay) | Yes | $2,000 At least $2,000 per person of medical payments coverage is required. | Medical bills for you and your passengers |
Policies must also include up to $500 per accident for towing and storage when a vehicle is towed at a law enforcement officer's request.
Compare with another state
Is Maine a no-fault state?
No — Maine is an at-fault (tort) state. Maine is an at-fault (tort) state: the driver responsible for a crash, through their liability insurance, pays for the other party's injuries and property damage. Injured people can claim against the at-fault driver's insurer, use their own coverage, or sue.
Uninsured drivers in Maine
The Insurance Research Council estimates 5.7% of Maine drivers are uninsured — 51st highest in the country, compared with 15.4% nationally. That's roughly one uninsured driver in every 18 on the road. Maine requires uninsured motorist coverage, which pays your injury costs when the at-fault driver has no insurance.
SR-22 requirements in Maine
Maine uses the SR-22 — a certificate your insurer files with the state to prove you carry at least the minimum liability coverage. It is usually ordered after a DUI, driving uninsured, serious violations or a license suspension, and is typically kept for about 3 years. After certain violations or an uninsured crash, the BMV requires proof of financial responsibility (SR-22) for at least three years.
By our model, a driver in their 30s with a DUI would pay about $810 a year for minimum coverage in Maine, versus $425 with a clean record. What is SR-22 insurance?
Estimate your premium in Maine
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Car insurance by city in Maine
We cover 8 Maine cities. Estimates are for full coverage for a driver in their 30s with a clean record; hover a city to find it on the map. The lowest estimate is in Bangor ($1,075) and the highest in Portland ($1,185).
- PortlandPop. 69,568 · Cumberland County$1,185+17% vs state
- LewistonPop. 38,772 · Androscoggin County$1,125+11% vs state
- BangorPop. 32,446 · Penobscot County$1,075+6% vs state
- South PortlandPop. 26,994 · Cumberland County$1,140+12% vs state
- AuburnPop. 25,200 · Androscoggin County$1,075+6% vs state
- SanfordPop. 22,497 · York County$1,155+14% vs state
- BiddefordPop. 22,370 · York County$1,135+12% vs state
- WestbrookPop. 21,386 · Cumberland County$1,120+10% vs state
Estimated cost by driver profile in Maine
Age and driving record move premiums more than almost anything else. A teen on their own policy pays about 2.7× what a driver in their 30s pays for the same full coverage in Maine.
| Driver | Minimum | Standard | Full coverage | Full / month |
|---|---|---|---|---|
| Teen driver (18, own policy) | $1,170 | $1,410 | $2,790 | $233 |
| Young adult (22) | $680 | $820 | $1,625 | $135 |
| Adult in their 30s | $425 | $515 | $1,015 | $85 |
| Adult in their 50s | $390 | $470 | $935 | $78 |
| Senior (72) | $475 | $575 | $1,135 | $95 |
| 30s, one at-fault accident | $615 | $745 | $1,470 | $123 |
| 30s, DUI on record | $785 | $950 | $1,875 | $156 |
By coverage level
| Coverage level | What it includes | Per year | Per month | Typical range |
|---|---|---|---|---|
| State minimum liability | Only the liability (and PIP/UM where required) limits your state mandates. No coverage for your own car. | $425 | $35 | $350–$500 |
| Standard liability (100/300/100) | Higher liability limits plus uninsured motorist coverage. Still no coverage for damage to your own car. | $515 | $43 | $420–$605 |
| Full coverage | Standard liability plus collision and comprehensive, typically required on a financed or leased car. | $1,015 | $85 | $830–$1,195 |
Cheapest and most expensive cars to insure in Maine
Full-coverage estimates for current models, using HLDI insurance-loss data where available. Vehicle choice alone can swing the premium by more than $2,205 a year here.
| Model | Segment | Est. / year |
|---|---|---|
| Chevrolet Traverse | Midsize SUV | $665 |
| GMC Acadia | Midsize SUV | $670 |
| Subaru Forester | Small SUV | $740 |
| Subaru Crosstrek | Small SUV | $740 |
| Subaru Outback | Wagon | $755 |
| Honda Pilot | Midsize SUV | $755 |
| Honda CR-V | Small SUV | $760 |
| MINI Cooper | Subcompact car | $765 |
| Ford Bronco | Midsize SUV | $800 |
| Acura RDX | Luxury SUV | $805 |
| Model | Segment | Est. / year |
|---|---|---|
| BMW M4 | Luxury sports car | $2,870 |
| BMW M3 | Luxury car | $2,850 |
| Lamborghini Urus | Luxury SUV | $2,760 |
| BMW 7 Series | Luxury car | $2,480 |
| Mercedes-Benz S-Class | Luxury car | $2,030 |
| Lucid Air | Luxury car | $1,895 |
| Mercedes-Benz G-Class | Luxury SUV | $1,705 |
| Audi RS 7 | Luxury car | $1,675 |
| Porsche Taycan | Luxury sports car | $1,580 |
| Mercedes-Benz SL-Class | Luxury sports car | $1,560 |
Cheap car insurance in Maine: how to lower your rate
- Raise your deductible. Going from $500 to $1,000 on collision and comprehensive saves about $70 a year on a typical Maine full-coverage policy.
- Match coverage to your car's value. On a 10-year-old car, dropping collision and comprehensive could cut the bill from about $790 to $515.
- Drive less, pay less. Low-mileage and usage-based programs can save around $70 a year if you drive under 7,500 miles.
- Protect your record. A single speeding ticket adds roughly $225 a year in our model; an at-fault accident adds much more.
- Shop at renewal. Rates for the same driver differ widely between insurers. Compare identical limits and deductibles.
- Ask about discounts — bundling home and auto, good student, safe-driver, paid-in-full and defensive-driving course discounts. See common discounts.
Complaints and help: Maine Bureau of Insurance
The Maine Bureau of Insurance licenses insurers and agents, reviews rates and handles consumer complaints about claims, cancellations and billing — free of charge.
- Website
- www.maine.gov
- File a complaint
- Consumer complaint page
- Consumer helpline
- 1-800-300-5000
Maine vs. neighboring states
| State | NAIC avg. | Minimums | System | Uninsured |
|---|---|---|---|---|
| Maine | $856 | 50/100/25 | At-fault (tort) | 5.7% |
| New Hampshire | $987 | 25/50/25 | At-fault (tort) | 10.0% |
Frequently asked questions
How much is car insurance in Maine?
NAIC data puts the average Maine auto insurance expenditure at $856 a year, 33% less than the national average of $1,282 (rank 50 of 51, where 1 is the most expensive). Our estimate for full coverage for a driver in their 30s with a clean record is about $1,015 a year ($85 a month); state-minimum liability is about $425.
What is the minimum car insurance required in Maine?
Maine requires at least 50/100/25 liability coverage: $50,000 per person / $100,000 per accident for bodily injury and $25,000 for property damage, plus uninsured motorist coverage and underinsured motorist coverage.
Is Maine a no-fault state?
No. Maine is an at-fault (tort) state: the driver responsible for a crash, through their liability insurance, pays for the other party's injuries and property damage.
How many drivers in Maine are uninsured?
The Insurance Research Council estimates that about 5.7% of Maine drivers are uninsured, ranking 51st in the nation (national estimate: 15.4%).
Does Maine require SR-22 insurance?
Yes, Maine uses the SR-22 certificate for drivers who must prove financial responsibility, typically for about 3 years. After certain violations or an uninsured crash, the BMV requires proof of financial responsibility (SR-22) for at least three years.
Which Maine city has the cheapest car insurance?
Among the 8 cities we cover, Bangor has the lowest full-coverage estimate at about $1,075 a year, while Portland is the highest at about $1,185. Differences come from population density, commute length and local weather risk.
How much does car insurance cost for a teen driver in Maine?
An 18-year-old on their own full-coverage policy would pay roughly $2,790 a year in Maine by our estimate, or about $1,170 for minimum coverage. Joining a parent's policy usually costs less.
How do I file a complaint against a car insurance company in Maine?
Contact the Maine Bureau of Insurance (consumer line 1-800-300-5000). It handles consumer complaints about claims, cancellations and rates at no cost.
How we estimate this
We start from the state's average liability, collision and comprehensive premiums published by the NAIC, then apply a location factor (population density and commute time from the Census ACS, weather hazard scores from FEMA's National Risk Index), a vehicle factor (HLDI insurance-loss data where available, otherwise vehicle segment), and a driver-profile multiplier. Results are rounded ranges for comparison, not quotes. Read the full methodology.
- Maine Bureau of Insurance: Minimum Limits of Coverage
- Maine Bureau of Insurance: Consumer's Guide to Personal Auto Insurance
- Maine BMV: Financial Responsibility (SR-22)
- Maine Revised Statutes Title 29-A, 1603
- Maine Bureau of Insurance: File a Complaint/Dispute
- NAIC 2022/2023 Auto Insurance Database Report
- NAIC Homeowners Insurance Report: Data for 2023
- Insurance Research Council uninsured motorist estimates (via Triple-I)
- IIHS Fatality Facts: state by state
- FBI Crime Data Explorer: Crime in the United States 2025 (Table 4)
- NICB 2022 Vehicle Theft Data: top 10 stolen vehicles by state
- FHWA Highway Statistics 2024, Table DL-1C (licensed drivers)
- FHWA Highway Statistics 2024, Table MV-1 (registrations)
- FHWA Highway Statistics 2024, Table VM-2 (vehicle-miles traveled)
- U.S. Census Bureau Vintage 2024 population estimates
- U.S. Census Bureau: population estimates and American Community Survey
- FEMA National Risk Index