Is Maine a no-fault car insurance state?

No, Maine uses a fault-based system , so the driver responsible for an accident may be liable for the other driver's injuries and property damage.

How do I lower my car insurance in Maine?

You may lower your rate by maintaining a clean driving and claims history, qualifying for discounts, or adjusting your coverage and deductibles. You can also compare quotes from multiple insurers to see if you could get a lower rate elsewhere.

What happens if I drive without insurance in Maine?

Driving without insurance in Maine is a traffic infraction that can result in a $100 to $500 penalty . The state may also suspend your driver's license, vehicle registration, or right to apply for a license or registration until you provide proof of financial responsibility.

How do I find the cheapest car insurance in Maine?

Compare quotes using the same coverage limits and deductibles so you're making an accurate comparison. Progressive's AutoQuote Explorer ® lets you compare your Progressive quote with rates from other insurers.

Does car insurance in Maine cover hitting a deer or moose?

Comprehensive coverage may cover damage to your vehicle if you hit a deer , moose, or other animal, subject to your policy's deductible and coverage terms. Liability-only insurance won't cover damage to your own vehicle from an animal collision.

Maine car insurance

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Getting car insurance in Maine

Whether it's icy coastal roads or moose crossings, Maine's roadways can throw the unexpected at you at any time. The right car insurance helps you get back on the road when the unexpected does happen. With Progressive, you can easily explore coverage options with tools like AutoQuote Explorer®, which lets you compare our rate against other insurers.

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Required coverages
Discounts
Average cost
Cost factors
Optional coverages
Driving resources
FAQs

What are the minimum auto insurance requirements in Maine?

Maine requires drivers to carry liability insurance, uninsured/underinsured motorist coverage, and medical payments coverage with at least the following limits.

Coverage	What it covers	Minimum amount
Bodily injury liability	Injuries you cause to others in an accident	$50,000 per person $100,000 per accident
Property damage liability	Damage you cause to someone else's vehicle or other property in an accident	$25,000 per accident
Uninsured/underinsured motorist	Covered injuries caused by a driver who has no insurance or doesn't have enough coverage	$50,000 per person $100,000 per accident
Medical payments	Covered medical expenses for you and your passengers after an accident	$2,000 per person

While these are Maine's minimum coverage limits, higher limits may offer better financial protection after a serious accident. See how much car insurance you may need.

Switch and save with Progressive

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Car insurance discounts in Maine

Progressive offers several ways to save on car insurance in Maine. Popular discounts include:

SAVINGS!

Bundle & save
Save with a multi-policy discount when you bundle home and auto insurance (or any two Progressive policies).
Five-year claim-free
Save when you haven't filed a claim in five years. You may also qualify for other Progressive discounts based on how you quote, pay, or insure your vehicles.
Homeowner
Save when you own a home, even if your home isn't insured through Progressive's network of home insurers.

See all car insurance discounts

What is the average cost of car insurance in Maine?

Maine drivers paid an average of $88.95 per month for a liability-only policy from Progressive in 2025.^† That amount is based on one vehicle and one driver. Your rate may vary based on factors such as your driving history, ZIP code, vehicle, and coverage choices.

Factors that impact your auto insurance rate in Maine

Several factors affect how much you pay for auto insurance in Maine, including:

Driving and claims history: Tickets, accidents, and prior claims may affect your rate.
Vehicle type: Insurers consider your car's make, model, age, safety features, and repair costs when setting rates.
Location: Rates may reflect traffic, theft, weather-related claims, and claim frequency where you live. In Maine, snowy and icy roads and collisions with deer or moose can add to local driving risks.
Vehicle use: How often and how far you drive may affect your rate.
Coverage choices and deductibles: The coverages, limits, and deductibles you choose affect your premium. Higher limits or additional coverage generally cost more, while a higher deductible may lower your rate.

Recommended additional auto insurance coverages in Maine

Maine's required coverage may not cover every type of damage or expense after an accident. Additional coverages can help protect you and your vehicle.

Coverage	What it covers
Comprehensive	Cost to repair or replace your car if it's stolen or damaged by hail, fire, wind, flooding, vandalism, animal collisions, and other covered events
Collision	Cost to repair or replace your vehicle if it overturns or collides with another vehicle or object
Roadside assistance	Vehicle towing, jump-starts, lockouts, fuel delivery, and more

If you finance or lease your vehicle, your lender or leasing company may require comprehensive and collision coverages.

Maine driving resources

Use these resources to learn more about Maine driving laws, insurance requirements, vehicle registration, driver services, and current road conditions.

Maine Bureau of Motor Vehicles (BMV): Find information about driver's licenses, vehicle registration and titles, driving records, and other motor vehicle services.
Maine Bureau of Insurance: Review auto insurance requirements, coverage information, consumer guidance, and help with insurance questions or complaints.
Maine Department of Transportation (MaineDOT): Find information about road safety, construction, transportation programs, and travel resources.
New England 511: Check current traffic, crashes, construction, road closures, winter driving conditions, and traffic cameras across Maine.

How to get car insurance in Maine with Progressive

Progressive gives Maine drivers several ways to get a quote and compare coverage. With the Name Your Price® tool, you can explore coverage options based on the price you want to pay.

Go online

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