Maine requires all drivers to carry car insurance that meets or exceeds the state’s minimum liability limits. As an at-fault state, the driver responsible for an accident is financially liable for damages. This guide explains the 2025 insurance requirements, penalties for noncompliance, and what coverage options are recommended for extra protection.
Required Liability Coverage in Maine
As of 2025, Maine law requires drivers to carry at least the following liability limits:
- Bodily Injury: $50,000 per person / $100,000 per accident
- Property Damage: $25,000 per accident
- Medical Payments (MedPay): $2,000 per person
- Uninsured/Underinsured Motorist: Equal to liability coverage unless rejected in writing
This is often referred to as 50/100/25 coverage with additional MedPay and UM/UIM components.
Recommended Additional Coverages
Maine’s minimum coverage may not be enough in the event of a serious accident. You may want to consider:
- Collision: Pays for damage to your car after an accident
- Comprehensive: Covers non-collision events (e.g., theft, deer, hail)
- Higher Liability Limits: Protects your assets in a lawsuit
- Rental Reimbursement: Pays for a rental while your vehicle is being repaired
- Roadside Assistance: Helps with towing, battery jumps, and flat tires
If you finance or lease a vehicle, your lender will typically require full coverage.
Penalties for Driving Without Insurance
Driving without valid insurance in Maine can lead to serious consequences:
- Suspension of your driver’s license and vehicle registration
- Fines of $100–$500
- Reinstatement fees
- Requirement to file an SR-22 (high-risk insurance certificate) for three years
Proof of Insurance
Drivers in Maine must carry valid proof of insurance at all times. You may present proof electronically using a phone or printed ID card. Proof is required during registration, traffic stops, and accidents.
Quick Compliance Checklist for Maine Drivers
- ✔ Minimum 50/100/25 liability coverage
- ✔ $2,000 MedPay coverage
- ✔ Uninsured/Underinsured Motorist unless declined in writing
- ✔ Carry proof of insurance at all times
- ✔ Avoid fines and license suspension by maintaining active coverage
Real-World Example
Imagine you’re driving through rural Maine and accidentally hit a deer, causing major front-end damage to your vehicle. If you only have the state minimum liability insurance, your policy won’t cover the repairs—you’re responsible for the full cost. But if you had comprehensive coverage, your insurer would help cover the bill. This is why many Mainers add optional protections to their policies.
Frequently Asked Questions About Maine Car Insurance
Is auto insurance required in Maine?
Yes. All vehicles registered in Maine must carry liability insurance that meets or exceeds the state’s required minimums.
What is the minimum car insurance coverage in Maine?
Maine requires 50/100/25 for liability, $2,000 in medical payments, and uninsured/underinsured motorist coverage equal to your liability limits unless rejected in writing.
Does Maine use electronic insurance verification?
Maine does not operate a real-time electronic verification system but checks for insurance during registration and when you’re pulled over or involved in a crash.
What happens if I’m caught driving without insurance in Maine?
You could face fines, suspension of your license and registration, and may need to carry SR-22 insurance for three years.
Can I show proof of insurance electronically in Maine?
Yes. Maine law allows electronic proof of insurance on a phone or device when requested by law enforcement.
Curious how Maine’s insurance laws compare? Check neighboring states:
New Hampshire,
Vermont, and
Massachusetts.
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