Maine car insurance

Car insurance in Maine costs an average of $40 per month for state minimum coverage and $141 per month for full coverage in 2026 — some of the lowest rates in the country. 

Maine is an at-fault state with unusually strong required protection: liability limits of 50/100/25, plus mandatory uninsured motorist, medical payments, and towing and storage coverage. 

Comparing quotes, using discounts, and choosing the right coverage level can help you get the protection you need at the best price.

Car insurance in Maine costs an average of $40 per month for minimum coverage and $141 per month for full coverage. 

Maine consistently ranks among the least expensive states for auto insurance. The state’s low population density and relatively low share of uninsured drivers help limit some of the claim pressures that push premiums higher elsewhere.

“Full coverage” isn’t a standardized policy type — it generally refers to a policy that combines the state-required coverages with collision and comprehensive coverage, which pays for damage to your own vehicle. Exact inclusions vary by insurer.

Your individual rate depends on your driving history, age, vehicle, ZIP code, and coverage selections. Luva shows quotes matched to your own profile, not just the statewide average.

Maine requires liability insurance with limits of at least 50/100/25 under Title 29-A, § 1605 of the Maine Revised Statutes.¹ Maine also mandates several coverages that most states leave optional.

Every policy must include uninsured/underinsured motorist (UM/UIM) coverage of at least $50,000 per person and $100,000 per accident, which cannot be waived.² Policies must also include at least $2,000 per person in medical payments coverage.³ 

Policies must additionally cover up to $500 per accident in reasonable towing and storage charges when the insured vehicle is towed at the request of law enforcement after an accident.⁴

The upside of these high minimums: even Maine’s cheapest legal policy provides meaningful protection. The trade-off is that “minimum coverage” in Maine buys considerably more insurance than it does in most states — one reason the state’s $40 average is impressive.

Is Maine a no-fault or at-fault state?

Maine is an at-fault (tort) state, meaning the driver who causes an accident is financially responsible for the resulting damages. The at-fault driver’s liability coverage pays the other party’s medical bills and repair costs up to the policy limits. Insurers determine fault using evidence such as police reports, photos, and witness statements.

Average rates vary widely among the carriers writing auto insurance in Maine, from national groups to regional insurers like Presque Isle-based MMG Insurance. The table below shows average monthly premiums by company.

Statewide averages are useful for comparison, but the cheapest company for you may be different, because insurers weigh age, location, vehicle, driving history, and other factors differently. Luva compares Maine's carriers on your details so you can find your best coverage options.

Maine insurers set premiums using several rating factors. The most influential include your driving record, age, annual mileage, vehicle make and model, ZIP code, and the coverage limits and deductibles you choose.

Your vehicle matters too. Repair costs, theft rates, and safety features all feed the rate, which is why two Maine drivers with identical records can pay very different premiums for different vehicles.

How does credit affect Maine car insurance rates?

Most Maine insurers also consider credit history. State law allows carriers to use credit-based insurance scores in rating, though with meaningful consumer protections: insurers can’t deny, cancel, or non-renew a policy based solely on credit, and they must recalculate your score at your request once every 12 months.⁵

On average, Maine drivers with poor credit pay about $280 a month compared to $116 for drivers with very good and excellent credit.

How do violations affect Maine car insurance rates?

A clean driving record is the most reliable path to lower car insurance rates in Maine. Tickets, at-fault accidents, and major offenses like OUI (Maine’s term for DUI) signal higher risk to insurers and trigger significant surcharges, as the table below shows.

An OUI conviction carries consequences well beyond the premium increase, including license suspension. Serious violations can also trigger a requirement to provide proof of financial responsibility — commonly through an SR-22 certificate filed by your insurer — which Maine law requires you to maintain for at least three years after reinstatement.⁶

Comprehensive coverage is optional under Maine law, but the state’s wildlife and winters make it worth serious consideration. Moose are the headline risk: the Maine Department of Transportation recorded 217 moose collisions in 2024, and while that number has fallen over two decades, moose strikes remain by far the state’s most dangerous animal crashes.⁷

A person in the vehicle was injured in 15.7% of Maine moose crashes from 2020 through 2024 — far higher than for any other animal — and MaineDOT estimates the economic loss at roughly $179,000 per moose collision.⁷ Risk peaks at night and in late spring, when more than a third of moose crashes occur in May and June.⁸

Deer strikes are also frequent, and insurers treat any animal collision as a comprehensive claim rather than a collision claim.

Maine’s winters add hazards that comprehensive coverage also covers, including windshield damage from plow debris, falling ice, and branches. Your comprehensive deductible applies to each claim, so the coverage reduces your out-of-pocket cost rather than eliminating it. 

If your vehicle would be expensive to repair or replace, compare the additional premium with your deductible and the vehicle’s value when deciding whether comprehensive makes sense for you.

Maine’s rates start low, and comparing options and claiming discounts can push them lower. These steps can cut your costs:

1. Shop and compare quotes. Rates for identical coverage vary dramatically between carriers — the spread in the table above exceeds $220 per month. Luva compares regional and national insurers in one place, so you see the full range.

2. Bundle your policies. Insuring your auto and home, condo, or renters policies with the same carrier typically earns a multi-policy discount.

3. Enroll in a telematics program. Usage-based programs track habits like braking, speed, and mileage, and reward safe drivers with lower premiums.

4. Raise your deductibles. Higher collision and comprehensive deductibles reduce your monthly premium — just make sure you can comfortably pay the deductible if you file a claim.

5. Reassess coverage on an older car. If your car has a low actual cash value, compare what you pay for collision coverage with your deductible and the most the insurer would pay after a total loss; run the math before renewing.

6. Ask about every discount. Multi-car, good student, defensive driving, pay-in-full, and paperless billing discounts are widely available in Maine. Ask which ones you qualify for and which can be combined.