Maine Car Insurance

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Portland Head lighthouse in Cape Elizabeth Maine

Common questions about Maine auto insurance

Need car insurance in Maine? Whether you live in Portland or Lewiston, Liberty Mutual has you covered. From liability protection to comprehensive coverage, we customize your Maine auto insurance, so you only pay for what you need.

What car insurance is required in Maine?

In Maine, it's illegal to drive without insurance. Drivers in Maine are required to have the following car insurance coverage: bodily injury to others, property damage liability, medical payments, and uninsured motorist bodily injury coverage.

This chart shows the minimum auto insurance drivers are required to have in Maine for these coverages.1

Coverage

Amount

Bodily Injury to Others$25,000 per person and $50,000 per accident
Property Damage Liability$25,000 per accident
Medical Payments$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

For more information, check out the Maine Bureau of Insurance.

What is the average cost of car insurance in Maine?

The average cost of car insurance in Maine is $1,0352 in 2021 according to thezebra.com. That's 32% lower than the national average. Of course, your auto insurance cost will depend on many different factors including your age, where you live and your driving history.

Some people get the bare minimum coverage, while others prefer the comfort and security of more protection. Liberty Mutual customizes your Maine auto insurance, so you only pay for what you need.

U.S. Map with Maine state highlighted

What Maine car insurance coverage is right for you?

The chart above shows the minimum Maine auto insurance you need. But depending on your budget and needs, you might want to consider increased coverage for more protection. We'll help you customize your Maine car insurance to get the coverage that fits you. See all of our auto coverage options.

What is the best car insurance in Maine?

Liberty Mutual understands that everyone has individual needs when it comes to their Maine auto insurance. Some might want the cheapest Maine car insurance, while others want more coverage and an auto insurance company they know they can trust. Let us help you customize your Maine car insurance, so you only pay for what you need.

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Who has the cheapest car insurance in Maine?

Getting the cheapest car insurance in Maine may sound great, but that cheap rate can come at a cost when you need it most. You want auto insurance that's affordable, but even more importantly — reliable, in case you have an accident.

A Liberty Mutual auto insurance policy can cost less than you think.3

  • $817 lower than GEICO
  • $731 lower than Progressive
  • $839 lower than State Farm
  • $758 lower than Allstate

Discounts that help you save

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Online Purchase Discount

Buy your policy online and save. It's that simple.4
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Bundle and SaveLoading...

Convenience and savings — need we say more? Combine your policies and get a discount.5
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RightTrack®Loading...

Get rewarded for your good driving behavior by saving up to 30% on your policy.6

Begin your free online quote

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1Minimum coverage amounts are subject to change.
2https://www.thezebra.com/auto-insurance/maine-car-insurance/#car-insurance-trends
3Average savings validated by new customers who switched to Liberty Mutual between 10/2021 and 09/2022 and participated in a countrywide survey. Carrier-specific figures reflect average savings for customers who switched to Liberty Mutual from the listed carriers. Savings may vary. Comparison does not apply in MA.
4Discount applies to 12% on average off auto coverages: Bodily Injury Liability, Physical Damage, Uninsured Motorist, Underinsured Motorist, Medical Payments, Personal Injury Protection, Collision and Comprehensive coverages, as applicable by state.
5Discounts and savings are available where state laws and regulations allow, and may vary by state. Certain discounts apply to specific coverages only. To the extent permitted by law, applicants are individually underwritten; not all applicants may qualify.
6The RightTrack® discount applies only to the base coverages on the participating vehicle, which may include Bodily Injury, Property Damage, Comprehensive, Collision, Personal Injury Protection (PIP) or Medical Payments, Uninsured Motorist, and Underinsured Motorist (subject to state availability), and excludes fixed expenses (where applicable). Initial discount may vary by state and is replaced with a final discount upon completion of a review period. Not available in all states. Coverage provided and underwritten by Liberty Mutual Insurance Company or its subsidiaries or affiliates, 175 Berkeley Street, Boston, MA 02116. © 2024 Liberty Mutual Insurance