Maine is reliably one of the cheapest states for auto insurance, with full coverage averaging roughly $1,710 a year — about 37% under the national average — yet it carries one of the most protective minimums anywhere. The state follows an at-fault model. Here's the coverage you must carry, what Mainers pay, and how to save.
Maine delivers the best of both worlds: among the lowest premiums anywhere and one of the most protective minimums — 50/100/25 plus required UM/UIM and MedPay. Full coverage averages roughly $1,710 a year, about 37% under the national average, aided by sparse population, light traffic, and relatively little litigation. Credit history is a permitted rating factor, though Maine's overall rate climate is mild.
The coverages below are the minimum a driver must legally carry in Maine. Source: Bankrate minimum-coverage requirements and state insurance department filings.
| Coverage | Minimum limit | Notes |
|---|---|---|
| Bodily injury liability | $50k / $100k | Per injured person / per crash — a high floor |
| Property damage liability | $25k | Mandatory |
| Uninsured / underinsured motorist | $50k / $100k | Compulsory in Maine |
| Medical payments | $2,000 | Mandatory |
Independent market estimates based on Bankrate's 2026 rate data and NAIC filings, shown against the U.S. average. Actual rates vary by ZIP, carrier, and individual profile.
| Coverage level | Est. annual premium | vs. U.S. avg. | Notes |
|---|---|---|---|
| Full coverage | $1,710/yr | 37% below U.S. | Comprehensive and collision included |
| Minimum coverage | $425/yr | 49% below U.S. | Bundles UM/UIM + MedPay |
Estimates apply national rate-increase multipliers to Maine's full-coverage average. Approximate (“~”) figures multiply the state average by a national factor and will vary by carrier.
| Driver profile | Est. annual premium | vs. state avg. | Notes |
|---|---|---|---|
| Clean record, 30–45 | ~$1,710/yr | Baseline | Statewide full-coverage average |
| One at-fault accident | ~$2,445/yr | +43% | 1,710 × 1.43 per Bankrate |
| Speeding ticket | ~$2,120/yr | +24% | 1,710 × 1.24 per Bankrate |
| DUI on record | ~$3,215/yr | +88% | 1,710 × 1.88 per Bankrate |
| Young driver (18–24) | ~$3,420/yr | ≈2× | About double per Bankrate |
| Poor credit score | ~$2,907/yr | +70% | 1,710 × 1.70 per Bankrate |
ⓘ Source: Bankrate 2026 rate data and NAIC filings. Figures are independent estimates, not quotes. Verify pricing with a licensed agent or carrier.
Maine is a standout: it requires the kind of liability limits (50/100/25) drivers elsewhere pay extra to add, yet it stays one of the cheapest markets. That means even a minimum policy here is genuinely protective. Because full coverage costs little more, most drivers should carry it. A quick carrier comparison can still trim an already-low Maine premium.
Maine offers a rare mix of low premiums and a protective minimum. Most drivers should carry full coverage (cheap here) and weigh a few carriers to lock in the best Maine rate.
Disclaimer: RateWire is an independent lead generation and comparison service. Rate figures for Maine are independent market estimates compiled from publicly available Bankrate, NAIC, and state regulatory data — not quotes. Coverage requirements summarized here are for general information only and may change; always confirm current minimums with the Maine insurance department. By submitting your ZIP code, you may be connected with licensed insurance agents or carriers who will provide actual quotes based on your individual profile. Always verify coverage terms and pricing directly with a licensed agent before purchasing.