State guide
Insurance in Maine
Required coverage, penalties, official contacts and sources for Maine, reviewed 2026-10.
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Car insurance
What Maine requires.
Liability 50/100/25 plus $2,000 medical payments and uninsured/underinsured 50/100. Claims system: fault-based claims.
| Coverage | Requirement in Maine |
|---|---|
| Bodily injury liability | $50,000 per person / $100,000 per accident, or a combined single limit of $125,000 |
| Property damage liability | $25,000 |
| Injury protection | Medical payments: at least $2,000 per person |
| Uninsured / underinsured motorist | Uninsured/underinsured motorist: at least $50,000 per person / $100,000 per accident |
Required coverage
- Bodily injury liability: $50,000 per person and $100,000 per accident, or a combined single limit of $125,000
- Property damage liability: $25,000
- Medical payments coverage: at least $2,000 per person
- Uninsured/underinsured motorist coverage: at least $50,000 per person and $100,000 per accident
- Proof of insurance to register your vehicle
Other coverage commonly available
- Higher medical payments limits ($5,000, $10,000, $25,000 and more)
- Higher liability and uninsured/underinsured limits
- Collision
- Comprehensive
If you drive without required coverage
Penalties for driving without required insurance are set by Maine law. Confirm current penalties with the Maine Bureau of Motor Vehicles.
Notices
What to know in Maine.
- The Bureau of Insurance says the minimum required limits are a starting point and may not adequately protect you. It points out that many vehicles on the road today are worth more than $25,000.
- Medical payments covers medical expenses incurred by you and your passengers.
- Uninsured/underinsured motorist coverage protects you and your passengers if the other driver responsible has no insurance, or if the other driver's limits are less than your uninsured motorist limit.
General information only. It is not legal advice. Rules change, so confirm with the official sources listed below.
Home insurance
Start with the Maine Bureau of Insurance
- Standard homeowners policies typically exclude flood. Flood coverage is bought separately, including through the National Flood Insurance Program.
- The Maine Bureau of Insurance publishes consumer guides and is the state authority for questions about insurers, agents and complaints.
Health insurance
CoverME.gov
CoverME.gov (state-based marketplace)
- HealthInsurance.org lists Maine as a state-run marketplace (CoverME.gov). State marketplaces can set their own enrollment dates, so confirm them on the marketplace site.
Contacts
Who to contact.
- Maine Bureau of Insurance
- Website: maine.gov/pfr/insurance
- NAIC directory of state insurance departments
Sources
Where this summary comes from.
Reviewed 2026-10. Check each source for the current rule.
Keep going.
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