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Maine Car Insurance Resources

Maine Car Insurance

Car Insurance Rates in ME

^ From 2006 to 2010, Maine cities had the 44th highest auto insurance rates in the nation. [2]

Car Insurance in ME by City

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Cars Insured in ME

^ Maine ranked 40th of all U.S. states in total auto insurance policies in 2011. [1]

ME Car Insurance

Car Insurance in Maine

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

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

Maine Car Insurance Facts, Estimates & Related Laws
  • 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. [2]
  • 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. [1]
  • Uninsured Motorist Rate in ME
    • The uninsured motorist rate in ME ranked 51st in the nation in 2009. [3]

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. [7]
  • 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 [7]

Maine Auto & Driver Facts

Maine Automotive Facts

Maine Auto & Driver Facts
  • Speed Limits in ME
    • Rural interstates: 75 mph [7]
    • Urban interstates: 75 mph [7]
    • Other roads: 60 mph [7]
  • Motor Fuel Consumption in ME
    • Maine cities collectively ranked 40th in the nation in total motor fuel consumption in 2011. [9]

Maine Licensed Drivers

  • Licensed Drivers in ME [10]
    • Total Drivers: 1,014,826
    • Female: 511,784
    • Male: 503,042
    • 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

About Maine

Maine has a population of approximately 1,328,361, which ranks 41st in the U.S. among all states. [6]

ME Car Insurance

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 primary laws, an officer can ticket a driver for the offense (such as texting) without another traffic violation occurring.


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

Maine Cities