Maine Car Insurance FAQ - Quick Answers

In Maine, the average annual car insurance premium is $805, which is almost half of the national figure of $1,311 per year. That means the cost of insuring a car in Maine is one of the lowest in the country.

Your Maine car insurance policy will have several coverage options that fall under these common limits:

  • Bodily injury liability: Pays for medical expenses of others.
  • Property damage liability: Pays for property damage of others.
  • Personal injury protection: Pays for your medical expenses.
  • Uninsured/underinsured motorist: Pays for an accident involving an uninsured/underinsured motorist.
  • Gap: Pays for the difference between your auto loan and the market value of a totaled vehicle.
  • Comprehensive: Pays for an unavoidable collision with an object or animal.
  • Collision: Pays for a collision with a vehicle, object, or animal that could have been avoidable.
  • Roadside assistance: Pays for a tow or replacing a flat tire. 
  • Rental car: Pays for a replacement vehicle due to a covered claim.

In Maine, you are required to carry the following limits of insurance for auto coverage:

  • $50,000 in bodily injury liability per person
  • $100,000 in bodily injury liability per accident
  • $25,000 in property damage liability
  • Personal injury protection
  • Uninsured motorist coverage

In Maine, there is currently 4.5% of the driving population operating a vehicle uninsured. That means that if you're without uninsured motorist coverage, you won't have protection for injuries or damage due to an accident with one of these uninsured drivers.

If you're shopping for the perfect car insurance policy, you'll have a lot of markets to choose from. In Maine, Prime, Travelers, and Progressive insurance companies are highly rated for their claims service and coverage selection.

Do You Know What Your Maine Car Insurance Covers?

Find the Best Insurance in Your City

How does your city measure up to the national average?

National average time spent commuting 26.9 Min

National average car thefts per 1,000 2.3 Year

National average car insurance cost $1,311 Year

CityCommute time (min)Auto theft rate per 1,000Annual insurance cost
Auburn21.80.43$831
Augusta16.80.48$817
Bangor16.90.88$831
Bath20.20.24$770
Biddeford22.40.65$881
Brewer17.20.56$777
Caribou171.33$795
Lewiston20.21.09$792
Portland19.31.11$827
Presque Isle121.35$682
Saco251.01$866
Sanford29.50.61$889
South Portland18.80.74$780
Waterville18.10.66$780
Westbrook23.10.84$857