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Car Insurance in Maine: Rates, Minimums & How to Save (2026)
By ReliablePolicy Editorial Team
Maine is consistently one of the cheapest states for car insurance, with full coverage averaging about $1,710 a year — roughly 37% below the national average — yet it has one of the most protective minimums in the country. Maine is an at-fault state. Here's the coverage you must carry, what Mainers pay, and how to save.
Avg. full coverage
$1,710/yr
≈37% below U.S. avg.
Avg. minimum coverage
$425/yr
≈49% below U.S. avg.
State minimum
50/100/25
+ UM/UIM & MedPay required
Fault system
At-fault (tort)
At-fault driver pays
vs. U.S. average
−37%
Among cheapest states
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Minimum coverage required in Maine
| Coverage | Required limit | Notes |
|---|---|---|
| Bodily injury liability | $50k / $100k | Per person / per accident — high floor |
| Property damage liability | $25k | Required |
| Uninsured / underinsured motorist | $50k / $100k | Required in Maine |
| Medical payments | $2,000 | Required |
State-mandated minimum coverages. Source: Bankrate, “Minimum Car Insurance Coverage Requirements by State.” Verify current limits with your state insurance department.
Average Maine premiums by coverage level
| Coverage level | Avg. annual premium | vs. U.S. avg. | Notes |
|---|---|---|---|
| Full coverage | $1,710/yr | 37% below U.S. | Comp + collision included |
| Minimum coverage | $425/yr | 49% below U.S. | Includes UM/UIM + MedPay |
Source: Bankrate, “Car Insurance Rates by State” (2026). National averages: $2,697 full coverage / $841 minimum coverage. Independent market estimates, not quotes.
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Maine estimated rates by driver profile (2026)
Estimates anchor each profile to Maine's average full-coverage premium and apply national rate-increase multipliers from public data — not quotes from any carrier.
| Driver profile | Est. annual premium | vs. clean record | Basis |
|---|---|---|---|
| Clean record, 30–45 | ~$1,710/yr | Baseline | State full-coverage average |
| One at-fault accident | ~$2,445/yr | +43% | 1,710 × 1.43 (Bankrate avg) |
| Speeding ticket | ~$2,120/yr | +24% | 1,710 × 1.24 (Bankrate avg) |
| DUI on record | ~$3,215/yr | +88% | 1,710 × 1.88 (Bankrate avg) |
| Young driver (18–24) | ~$3,420/yr | ≈2× | Roughly double (Bankrate avg) |
| Poor credit score | ~$2,907/yr | +70% | 1,710 × 1.70 (Bankrate avg) |
Multipliers (national averages, full coverage): at-fault accident +43%, speeding +24%, DUI +88%, age 18–24 ≈ 2×, poor credit +70% (Bankrate). Actual premiums are set by carriers on your individual profile.
Maine: what helps and what hurts your rate
In your favor
- ✓Among the lowest premiums in the country (~$1,710/yr full coverage)
- ✓High 50/100/25 minimum plus required UM/UIM and MedPay
- ✓Low traffic density and few catastrophic claims
- ✓Strong baseline protection even on a minimum policy
Works against you
- ✗Credit history is a permitted rating factor
- ✗Harsh winters raise collision risk in some seasons
- ✗Rural areas mean longer tow/repair distances
- ✗Fewer regional carriers than larger states
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A closer look at car insurance in Maine
Maine is a standout: it requires the kind of liability limits (50/100/25) that drivers in other states pay extra to add, yet it remains 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.
Bottom line
Maine offers a rare combination of low premiums and a protective minimum. Most drivers should carry full coverage (cheap here) and compare a few carriers to lock in the best Maine rate.
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Frequently asked questions about Maine car insurance
Disclaimer: ReliablePolicy is an independent lead generation and comparison service and is not affiliated with, authorized by, or endorsed by any insurance carrier or government agency. Coverage requirements change — always confirm current minimums with your state insurance department. Rate figures shown are independent market estimates based on publicly available data (primarily Bankrate) and are not quotes, representations, or guarantees of pricing by any carrier. By submitting your information, you may be connected with licensed insurance agents or carriers who will provide actual quotes based on your individual profile.
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