Maine Car Insurance Requirements (Updated for 2025)

Driving in Maine mandates proof of financial responsibility—typically via liability, uninsured/underinsured motorist (UM/UIM), and medical payments coverage. Failure to comply may result in fines, license/registration suspension, and even jail time.

Minimum Liability Coverage in Maine

As of 2025, Maine law requires:

• Bodily Injury Liability (BI): $50,000 per person / $100,000 per accident
• Property Damage Liability (PD): $25,000 per accident
• Combined Single Limit (CSL): $125,000 satisfies both BI and PD minimums

Often referred to as “50/100/25” or a $125K CSL.

Medical Payments (MedPay)

Maine requires a minimum of $2,000 per person in MedPay—covering medical or funeral expenses for you and your passengers regardless of fault. Higher limits (e.g., $5K, $10K, $25K) are available at modest cost :contentReference[oaicite:0]{index=0}.

Uninsured/Underinsured Motorist (UM/UIM) Coverage

UM/UIM bodily injury coverage is mandatory at the same limits as BI ($50,000/$100,000), unless you sign a rejection form for higher coverage. It protects you if an at-fault driver has no or insufficient insurance :contentReference[oaicite:1]{index=1}.

Note: Maine’s UM/UIM covers bodily injury only—not property damage.

Proof of Insurance

You must carry physical or electronic proof of insurance at all times—including during traffic stops, accidents, or vehicle registration. Law enforcement and courts accept digital proof :contentReference[oaicite:2]{index=2}.

Penalties for Driving Without Insurance

• Fine: $100–$500 per offense
• Suspension: Driver’s license and vehicle registration suspended until valid proof is submitted
• Reinstatement Fees: Typically $50 + license ($20–30) + registration fee (~$35)
• SR‑22 Requirement: Must be maintained for three years after incident :contentReference[oaicite:3]{index=3}.
• Severe Offenses: Leaving the scene or refusing to surrender registration may result in a Class E misdemeanor, fines up to $2,000, up to six months jail, and extended suspension :contentReference[oaicite:4]{index=4}.

At‑Fault System

Maine follows an at-fault (tort) system. The at-fault driver’s insurance is responsible for damages. The state also uses modified comparative negligence—if you bear over 50% fault, recovery is reduced accordingly :contentReference[oaicite:5]{index=5}.

Optional Coverages to Consider

• Collision Coverage
• Comprehensive Coverage
• Rental Reimbursement
• Roadside Assistance / Towing & Labor
• Umbrella Liability (e.g., $1M CSL with $250K BI)

These options help protect your vehicle and assets beyond state minimums :contentReference[oaicite:6]{index=6}.

Liability Limit Advice

Although Maine’s requirements ($50/100/25) are higher than many states, serious accidents often exceed these limits. Many people opt for higher liability (e.g., 100/300/100) and matching UM/UIM to better safeguard assets :contentReference[oaicite:7]{index=7}.

Average Premiums

Maine has among the lowest average full-coverage premiums in the U.S.—around $73/month ($876/year) :contentReference[oaicite:8]{index=8}.