Cheap Car Insurance Rates in Maine (2023)

Compare Auto Insurance Rates in Maine

Published: Feb 21, 2019 | Updated: Jan 26, 2023

Maine Auto Insurance

If you don't yet know the auto insurance requirements and rates in Maine, it's time to learn about them. That way you can get quality yet cheap auto insurance in Maine and make sure you follow the Maine driving laws, too. Here are the pertinent details on the driving laws and auto insurance statistics in that state.

Car Insurance Requirements in Maine

Maine minimum auto insurance requirements are larger than some other states. The liability coverages drivers are required to have are:

$50,000 worth of bodily injury or death coverage per person
$100,000 worth of bodily injury or death coverage per accident
$25,000 worth of property damage coverage

Additionally, drivers have to have uninsured/underinsured motorists coverage that matches their liability coverage and medical payments coverage with a minimum of $2,000 to follow Maine car insurance laws. Comprehensive and collision are not required, but many people choose to get them for extra protection.

Is Maine a No-Fault State?

Maine is a fault state, meaning the driver who is responsible for the accident will have to compensate the other party to that accident.

<zipcode>Find The Cheapest Auto Insurance In Maine:</zipcode>

Car Insurance Prices in Maine

Car insurance prices in Maine are higher than in some other states, simply because Maine's cost of living is higher. Fortunately, liability coverage is still very affordable at an average of $629 per year. With full coverage, many drivers in Maine can expect to pay around $1,454 per year. The average car insurance premium in the state is $1,041 annually. Teens pay the highest rate, followed by elderly drivers over the age of 75.

<qa>1;Car Insurance for Young Drivers, New Drivers and Teen Drivers;Finding car insurance for 16 - 18 year olds in Maine that is affordable can be difficult, but it is available. Families with teen drivers will want to shop around so they can find a company and a discount program that works for them.</qa>

<qa>2;Car Insurance for Students (18 - 24 year olds) in Maine;Once students go off to college they can move toward lower rates of car insurance. At 18 they will still be paying high rates, but by the time they turn 22 their rates will be lower and approaching what a typical adult driver would pay.</qa>

<qa>3;Car Insurance for 24+ Year Olds in Maine;At age 24 there is a leveling off of car insurance rates. That means most drivers at that age will pay something approaching the average, and will do so for the majority of their adult life.</qa>

<qa>4;Car Insurance for 55 (and Over) in Maine;Car insurance premiums are at their lowest when a driver is age 55, and those rates often stay near $1,100 annually. Throughout their senior years the premiums slowly start to rise. Most drivers won't see the rates go back to what they were in their teenage years.</qa>

<qa>5;Car Insurance for Veterans in Maine;Veterans can qualify for special insurance discounts in Maine. These programs are different for each insurer, so veterans will want to check around to see what's offered to them.</qa>

Age	Most Popular Vehicle	Gender	Most Common City
18 - 24	Ford	Male - 56% \| Female - 44%	Portland
25 - 54	Chevrolet	Male - 44% \| Female - 56%	Portland
55 - 64	Ford	Male - 40% \| Female - 60%	Bangor
65 +	Ford	Male - 42% \| Female - 58%	Bangor

* This information is based on Pretected.com users.

Auto Insurance for Good Drivers

A good driver with a good record has safe driving habits, and it shows. They rarely get into an accident, and they don't get tickets. With that in mind, plenty of insurance companies give these drivers discounts on their insurance because the companies know the drivers are a lower risk for them financially.

Auto Insurance for Bad Drivers

Bad drivers generally have tickets and accidents on their record, and many also have a DUI. They aren't bad people, but they've made some mistakes behind the wheel. Because of that, insurers are more reluctant to cover them and give them good rates. By shopping around, though, they still may be able to lower their car insurance premiums.

Traffic Violations and Fines in Maine

Speeding Ticket Cost in Maine

Speeding ticket costs are generally a few hundred dollars. But they can cost more than that when the cost of rising insurance rates are added in. Points may also go on the driver's license, and if they are convicted of reckless driving in Maine they could see additional points on their license and a higher cost for the ticket itself.

Driving While High Laws in Maine

DUI laws in Maine mean driving under the influence of marijuana, too. It's not just about alcohol, and no matter what drug is used driving while high is illegal.

Driving Without Car Insurance in Maine

Drivers without car insurance can be in significant trouble in Maine, since they are in violation of the law. They can be fined, and even face jail, license suspension, and registration suspension. There are fees to reinstate these things, as well. Subsequent offenses can carry harsher fines.

Texting and Driving in Maine

Distracted driving is often thought of as texting, or as other cell phone use while driving, but eating while driving and many other activities also distract a driver. Although these things aren't all illegal, they can contribute to an accident.

<twitter>It's illegal to drive while watching a DVD, but perfectly OK to drive your golf cart down the street.</twitter>

Maine Car Accidents

In 2016, Maine had the highest number of car accident fatalities since 2007. While texting and driving went down as an accident cause by two percent, driving under the influence and not wearing a seat belt both contributed to accidents in the state. Additionally, more car accidents in Maine involved motorcycle and pedestrians than ever before, and car accident statistics show that people in the state are still drinking too much and driving too fast.

Reasons for Car Accidents in Maine

The major reasons for car accidents in Maine are alcohol and speeding. The safety features that have been offered in newer cars have helped reduce fatalities, but they have not changes the fact that people still crash into one another and get hurt. Hitting other vehicles and hitting fixed objects are both big contributors to car accident injuries.

Car Accident Statistics by Vehicle Type in Maine

Most of the accidents in Maine involve passenger cars, but SUVs and trucks have been a part of rising accident statistics, too. Motorcycles have also been on the rise when it comes to accident statistics, and this is a troubling finding.

Car Accidents in Maine - More Facts

On average, there was a car accident in Maine every few minutes of every day. The number of deaths this resulted in has increased each year, and that has allowed Maine's accident statistics to grow while they are shrinking in other surrounding states.

Bonus: Most Weird, Funny and Ridiculous Traffic Laws in Maine

Maine doesn't care if you drive without a front bumper.
It's legal to drive past a funeral procession, but maybe don't do it out of respect?

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