Car Insurance Liability Requirements in Maine
Minimum Liability Limits in ME: 50/100/25 [ 4]
50 Required coverage up to $50,000 for one individual injured in an accident
100 Required coverage up to $100,000 for all persons injured in an accident
25 Required coverage up to $25,000 for property damage in an accident
Note: These amounts are the minimum required by the law. Drivers may opt to purchase auto insurance above the mandatory minimums. Note: In addition, policyholders must also carry at least $2,000 for medical payments.
Required Car Insurance Coverage in Maine
Auto Insurance Coverage Requirements in ME [ 4]
Bodily injury liability coverage Property damage liability coverage Uninsured motorist coverage Underinsured motorist coverage Car Insurance Verification Laws in Maine
Insurer Verification of Auto Insurance in ME [ 4]
Insurer must verify financial responsibility or insurance after an accident or arrest.
Maine Car Insurance Facts, Estimates & Related Laws
Maine Car Insurance Facts
Average Car Insurance Rates in ME
Maine had the 47th highest auto insurance rates in the nation in 2010.
[ 2] Rates in ME ranked 45th in the nation in 2009.
[ 2] In 2008, ME had the 44th highest rates in the country.
Number of Auto Insurance Policies in ME
Maine ranked 40th in the nation in auto insurance policies in 2011 with a total of 1,016,231.
Uninsured Motorist Rate in ME
The uninsured motorist rate in ME ranked 51st in the nation in 2009.
Maine Distracted Driving Laws
Hand-held phone ban? No
Texting-while-driving ban? Yes Texting-while-driving ban in place for all drivers. [ 7]
Young drivers cell phone ban? Yes Ban applies to learner's permit and intermediate license holders. [ 7]
Bus driver cell phone ban? No
Enforcement of laws:
Primary enforcement in effect.
[ 7] With primary enforcement, a police officer can pull over a driver for that specific offense.
Under a primary law, a police officer can stop a driver for that specific offense. Under a secondary law, an officer must stop a driver for a primary offense before ticketing for the secondary offense.
Maine Automotive Laws
Safety Belt Laws in ME
Safety belt laws have been in place since 1995 and apply to drivers/passengers 18+ years in all seats.
[ 7] Child restraint law in place for less than 40 pounds in a child safety seat; 40-80 pounds and less than 8 years in a booster.
Motorcycle Helmet Laws in ME
Motorcycle helmets required for 17 and younger.
[ 7] Covers operators with instructional/learner\'s permits and operators in their first year of licensure. Maine\'s motorcycle helmet use law also covers passengers 17 and younger and passengers riding with operators who are required to wear a helmet. [ 7]
Driver's License Renewal Cycle in ME
Renewal cycle: 6 years
Maine Auto & Driver Facts
Maine Automotive Facts
Speed Limits in ME
Rural interstates: 75 mph
[ 7] Urban interstates: 75 mph
[ 7] Other roads: 60 mph
Motor Fuel Consumption in ME
Maine cities collectively ranked 40th in the nation in total motor fuel consumption in 2011.
Maine Licensed Drivers
Licensed Drivers in ME [ 10]
Total Drivers: 1,014,826
ME has the 41st most drivers in the U.S.
Minimum Driving Age in ME [ 5]
Maine has a minimum driving age of 15 years.
Maine Auto Registrations
Auto Registrations in ME [ 8]
Registered Cars: 530,057
Registered Trucks: 586,265
Registered Motorcycles: 50,327
Total Registrations: 1,171,280
Rank: Maine ranked 42nd in the United States in total auto registrations in 2011.
Additional information about Maine
Maine has a population of approximately 1,328,361, which ranks 41st in the U.S. among all states.
More about Maine auto insurance
For more information about auto insurance in ME, or for additional resources regarding
Maine car insurance, visit the Maine Department of Insurance.
Did you know?
Under secondary laws, a police officer must have some other reason to stop a vehicle before citing a driver for that offense.
1. ^ Automobile Insurance Plans Service Office (AIPSO)
2. ^ National Association of Insurance Commissioners (NAIC)
3. ^ Insurance Research Council (IRC)
4. ^ Insurance Information Institute (III)
5. ^ Insurance Institute for Highway Safety (IIHS)
6. ^ United States Census Bureau
7. ^ IIHS & Highway Loss Data Institute
8. ^ Office of Highway Policy Information
9. ^ U.S. Department of Transportation
10. ^ Federal Highway Administration