Get a Maine car insurance quote
You could save over $700 on auto insurance when you switch to Liberty Mutual1
Buying auto insurance in Maine
Need car insurance in Maine? Whether you live in Portland or Lewiston, Liberty Mutual Insurance can help you save on car insurance! From Liability Protection to Comprehensive Coverage, we've got you covered. We'll help you customize your Maine auto insurance, so you only pay for what you need.
Maine auto insurance discounts
Buy your policy online and save. It's that simple.2
Learn more about SavingsConvenience and savings — need we say more? Combine your policies and get a discount.2
Learn about Bundle and Save Discounts and moreGet rewarded for your good driving behavior by saving up to 30% on your policy.3
Save with our safe driver programMaine minimum car insurance requirements (50/100/25)
It's illegal to drive without car insurance in Maine. To drive legally, you need to have at least the following coverage amounts and minimums in Maine.4
Coverage type | State requirements |
|---|---|
| Bodily Injury to Others Coverage | $50,000 per person and $100,000 per accident |
| Property Damage Liability Coverage | $25,000 per accident |
| Medical Payments Coverage | $2,000 per accident |
| A combined single limit of $125,000 in coverage is also acceptable | |
| Uninsured motorist bodily injury coverage must equal liability coverage limits |
Learn more about state insurance requirements at the Maine Bureau of Insurance.
Average car insurance cost in Maine, 2026
According to 2026 data, the average cost of “full” coverage car insurance in Maine is about $1,560 per year.
Maine drivers often pay more, or less, depending on their coverages, car, age, driving record, and where they live.
Who offers cheap car insurance in Maine?
Finding the cheapest car insurance in Maine may sound great, but a low-cost policy may not pay out when you need it.
You want car insurance that's affordable, and dependable if you have an accident. Trusted for over 100 years, we have the experience and stability to back you up.
A Liberty Mutual auto insurance policy can cost less than you think.5
- $1,121 lower than GEICO
- $997 lower than Progressive
- $1,161 lower than State Farm
- $1,158 lower than Allstate
Maine car insurance FAQs
Maine drivers must carry the state's required minimum auto insurance coverage, but many choose additional protection based on their vehicle and driving needs. Seasonal conditions can create added risks, including snow and ice during the winter, heavier summer traffic throughout Vacationland, and wildlife collisions on rural roads.
Coastal routes, including Route 1 and the roads leading to Acadia National Park and Bar Harbor, often see increased tourist traffic during the warmer months. Comprehensive coverage can help pay for covered damage from events such as animal strikes, while Collision coverage can help with damage from a covered crash.
Neither coverage is required by Maine law, although a lender or leasing company may require both for a financed or leased vehicle.
Yes. Maine requires Uninsured/Underinsured Motorist coverage and typically has to match your bodily injury liability limits. At the state minimum, that is $50,000 per person and $100,000 per accident. It's there to protect you if you're hit by a driver who has no insurance or not enough to cover your injuries, including in a hit-and-run, and it can apply even if you're struck as a pedestrian or cyclist.
Review the current rules through the Maine Bureau of Insurance.
It can, as long as you carry Comprehensive coverage. Hitting an animal is generally treated as a comprehensive claim rather than a collision, so damage from a moose, deer, or other wildlife typically falls under that coverage, subject to your deductible and policy terms.
Comprehensive isn't required by Maine law, but given how often large-animal collisions happen on the state's roads, it's worth considering, since the required liability and UM/UIM coverages won't pay to repair your own vehicle.
You may be able to save by bundling auto and home insurance, insuring multiple vehicles, going paperless, maintaining a clean driving record, or choosing a higher deductible. Eligible drivers may also earn savings through RightTrack®.3
Reviewing your policy as your vehicle ages can also help keep your coverage aligned with your needs.