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Maine Auto Insurance Requirements

As one of the many “tort” states in the country, Maine residents are financially responsible for all bodily injuries and/or property damages that are a result of an accident for which they are at fault.

Therefore, Maine insurance laws are designed to protect you.

First, auto liability insurance is required for all drivers with minimum coverage levels of 50/100/25 (see the chart below). This will help to cover your expenses of damages to the other car, drivers and passengers.

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Next, Maine insurance laws mandate a minimum of $1000 of medical expense coverage. This covers you and your family members in the event of any auto accident, including being hit by a car while walking.

And finally Maine strongly encourages you purchase uninsured and underinsured motorist bodily injury coverage with minimum coverage of 50/100 (see the chart below). This will help to cover your expenses in the unfortunate event that you’re in an accident with an uninsured motorist, or one with inadequate insurance coverage. Please note that if you chose to increase your liability insurance levels, the law requires that you increase your uninsured/underinsured motorist coverage to same levels.

Maine residents may optimize their auto insurance by adding optional comprehensive and/or collision coverage.

Coverage Type Required? Minimum Coverage Amount Required
Bodily Injury Liability Yes

$50,000 per person

$100,000 per accident

Property Damage Liability Yes

$25,000

Uninsured Motorist Bodily Injury No

$50,000 per person

$100,000 per accident

Underinsured Motorist Bodily Injury No

$50,000 per person

$100,000 per accident

Personal Injury No  
Medical Payments Yes

$1,000

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Auto Insurance for Leased Vehicles in Maine (ME)

Most leasing companies in Maine typically require drivers to maintain insurance coverage which exceeds the minimums set by Maine state law. This is to protect you financially, as well as your leasing company, should they be held partly responsible. Most leasing companies will recommend the following amounts of insurance coverage:

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Read about special auto insurance considerations for drivers in Maine cities

 

Maine Bureau of Motor Vehicles
29 State House Station
Augusta, ME 04333
www.state.me.us/sos/bmv
Maine Department of Professional & Financial Regulation: Bureau of Insurance
124 Northern Avenue
Gardiner, ME 04345
www.maineinsurancereg.org

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**Auto Insurance Finder is not an insurance broker or carrier. Content on this site is for comparison and informational purposes only. The products and services listed on this site may not be available in all states.

Last Updated: February 14, 2008

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Key Facts...
As of 2006, motor vehicle collisions account for more than 1 million deaths and 20 million to 50 million injuries each year. You owe it to yourself and your family to find good quality car insurance that fits your needs.
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