Car insurance · Maine
Car insurance requirements in Maine
Liability 50/100/25 plus $2,000 medical payments and uninsured/underinsured 50/100. Claims system: fault-based claims.
Verified summaryAll Maine insurance topics
Requirements
Minimum car insurance requirements in Maine
| 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 |
What the law requires you to carry
- 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
Uninsured drivers
Uninsured motorist coverage in Maine
Uninsured/underinsured motorist: at least $50,000 per person / $100,000 per accident.
- 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.
Optional coverage
Coverage you can add in Maine
- Higher medical payments limits ($5,000, $10,000, $25,000 and more)
- Higher liability and uninsured/underinsured limits
- Collision
- Comprehensive
Penalties
Penalties for driving without insurance in Maine
Penalties for driving without required insurance are set by Maine law. Confirm current penalties with the Maine Bureau of Motor Vehicles.
Good to know
Other things 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.
General information only. It is not legal advice. Rules change, so confirm with the official sources listed below.
Contacts
Who to contact in Maine
- 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 reading
Guides that explain these coverages
- Minimum car insurance requirements by state
- Which States Require Uninsured Motorist Coverage?
- No-Fault vs. At-Fault Car Insurance: Which States Use Which
- States That Raised Minimum Car Insurance Limits Since 2018
- Liability coverage explained
- Collision vs. comprehensive coverage
- What affects your car insurance rate
- After an accident: what to do and what to expect
More about Maine.
Home insurance resources and the health marketplace for Maine are on its overview page.