Insurance
Car Insurance in Maine
Published September 24, 2026 · Last updated October 1, 2026
Advertiser disclosure: AssistQuote may be paid when you visit or do business with a partner through our links. The provider sets your price. How we make money
The short answer
Maine drivers paid the lowest average car insurance premium in the country in 2023: about $926 a year, according to Maine's Bureau of Insurance. The national average was about $1,438, roughly 55% higher.
What makes that unusual is that Maine requires more coverage than most states, not less. Maine also has the lowest share of uninsured drivers in the U.S., about 5.7%. Here's what Maine requires and why the low price doesn't mean thin coverage.
- No phone number neededSee costs and options before you share any contact details.
- Real price ranges, with sourcesWe name where every number comes from and when it was published.
- You choose who to contactWe show options. You decide if, when and who to reach out to.
We never ask for a Social Security number, date of birth or documents.
What Maine requires
| Required coverage | Maine minimum | A typical state minimum, for comparison |
|---|---|---|
| Bodily injury liability | $50,000 per person / $100,000 per crash | $25,000 / $50,000 |
| Property damage liability | $25,000 | $10,000 to $25,000 |
| Uninsured/underinsured motorist | $50,000 per person / $100,000 per crash | Often optional |
| Medical payments | $2,000 per person | Often optional |
Your uninsured motorist coverage follows your liability limits. If you buy higher liability limits, say 100/300, Maine law requires your uninsured/underinsured motorist coverage to match, unless you reject the higher amount in writing.
That's a good default. Maine's uninsured motorist coverage also works as underinsured coverage, paying when the at-fault driver's limits are lower than yours.
Why Maine car insurance is so cheap
The Bureau of Insurance points to a competitive market, with many insurers selling coverage. Between August 2024 and July 2025, approved rate increases averaged less than 4%, lower than in many states.
Other factors that likely help:
- Few uninsured drivers. At about 5.7%, Maine has the lowest uninsured rate in the country. In most states, it's over 10%.
- Affordability. Maine households spent about 1.00% of their income on car insurance in 2021, compared with 1.50% nationally.
Even in Maine, check these
- Deer and moose. Hitting an animal is usually a comprehensive claim. If you drop comprehensive on an older car, a collision with wildlife may not be covered.
- No grace period. Maine law doesn't give a grace period for car insurance payments. Pay on time.
- Disagree on the damage amount? Most auto policies have an appraisal clause. You and your insurer each hire an appraiser, and an umpire settles any difference.
How to keep your price low in Maine
- Compare several insurers. Maine has a lot of them.
- Raise deductibles on collision and comprehensive if you have savings.
- Bundle with your homeowners policy. See Maine homeowners insurance.
Not a quote or an offer. Your price comes from the insurance company.
Explore by state
Texas · Florida · California · Ohio · Georgia · Michigan · Arizona · North Carolina · Pennsylvania · Illinois · Massachusetts · New Jersey · Indiana · Colorado · Alabama · Louisiana · South Carolina · Virginia · Maryland · Oklahoma · Washington · Nevada · Tennessee · New York · Wisconsin · Utah · Minnesota · Arkansas · Delaware · Idaho · Kentucky · Mississippi · Iowa · Vermont · New Hampshire · Nebraska · New Mexico · Rhode Island
Related services
Own a home in Maine? See Maine homeowners insurance. Want more liability protection? See umbrella insurance.
More car insurance guides: Car insurance cost · SR-22 insurance · High-risk car insurance · Liability-only car insurance · Car insurance for teens · How to lower car insurance · What affects your auto insurance price · What comprehensive covers · Car insurance without a car · Umbrella insurance · All car insurance
Car insurance by city: Houston · Dallas · San Antonio · Austin · Fort Worth · Chicago · Atlanta · Miami · Philadelphia · Phoenix · Charlotte · Seattle · Las Vegas · San Diego · Denver · Memphis
More Maine guides: Maine homeowners insurance
Why AssistQuote is different
On some websites
They ask who you are first
Some forms want your name and phone number before they show you anything useful. You may not know which companies will get it, or how many will call.
Here, you choose
Answer a few questions without giving your name, email or phone number. See prices, what to ask, and providers to explore. You choose who to contact and what to share with them.
- 1
Check local costs
See typical price ranges for your area and what moves the price up or down.
- 2
Tell us what you need
Answer a few questions about the work, not about who you are.
- 3
You decide what's next
Save or email your options, or visit a provider when you're ready.
Cost information is not a live rate, quote or offer. A provider shown here is not an endorsement. Each provider sets its own prices, privacy and contact rules.
Questions people ask
Ready to see auto insurance options in Maine?
Start with your ZIP code. You will see typical local costs and options to explore. No phone number, email or name needed to look.
You choose if, when and who to contact.
Related services
Life Insurance
Compare life insurance options to help protect the people who depend on you.
Final Expense Insurance
Compare small whole life options intended to cover funeral and end of life costs.
Umbrella Insurance
Explore additional liability coverage above your existing policies.
Homeowners Insurance
Compare homeowners coverage options for your house and belongings.
Sources
- Maine Bureau of Insurance, Maine has the nation's lowest auto insurance premiums (Oct. 9, 2025)
- Maine Bureau of Insurance, Insurance required by law
- Maine Bureau of Insurance, Homeowners and renters insurance FAQs (appraisal and grace period)
- Insurance Information Institute, Uninsured motorists (IRC 2023 data)
- Insurance Information Institute, Auto insurance affordability (IRC)