Maine Auto Insurance Rates & Guide (2026)
The countrywide average auto premium is about $1,258/year (NAIC, 2022). Maine ranks among the 10 least expensive states for auto insurance.
Est. State Avg (illustrative)
$1,020
Minimum Coverage
$50K/$100K/$25K
Uninsured Driver Rate
6.2%
Uninsured driver rate: Insurance Research Council (IRC) 2022 estimates (published 2023), via the Insurance Information Institute. National average: 14.0%.
What does auto insurance cost in Maine?
No free public authority publishes a reliable city-by-city average premium, so we don’t invent one. What is verifiable: the countrywide average auto premium was about $1,258/year in 2022 (NAIC), and by the NAIC’s 2021 average-expenditure data, maine ranks among the 10 least expensive states for auto insurance. Your own rate depends far more on your ZIP code, age, driving record, vehicle, and coverage level than on any statewide figure — always compare quotes from several insurers.
Maine Minimum Auto Insurance Requirements
Maine requires all drivers to carry minimum liability insurance of 50/100/25 (Bodily Injury per person / Bodily Injury per accident / Property Damage):
- •Bodily Injury (per person): $50K — covers injuries you cause to one person
- •Bodily Injury (per accident): $100K — total coverage for all injured persons in one accident
- •Property Damage: $25K — covers damage you cause to others' property
What Maine Drivers Need to Know
Maine consistently ranks as the state with the lowest or near-lowest auto insurance rates in the country. The combination of rural character, low population density, low crime rates, modest litigation environment, and an older, less congested road network creates ideal conditions for low claims frequency and severity. Maine's tort system places liability on at-fault drivers, and the state's culturally conservative attitude toward litigation helps keep legal costs manageable for insurers.
Maine's primary vehicle risks include moose collisions — the state has a large moose population, and these animals are particularly dangerous to encounter on roads due to their height causing them to come through windshields rather than over vehicles — and winter weather accidents on rural roads. Despite these hazards, Maine's overall claims environment remains favorable. Drivers in Portland pay more than those in rural Washington County, but even Portland rates are low by national urban standards. Maine drivers who shop carefully can find exceptional value relative to coverage obtained.
How to Get Cheaper Auto Insurance in Maine
Compare quotes from at least 5 insurers — rates can vary by $500–$1,500 for the same coverage
Bundle auto with homeowners or renters insurance for 10–20% savings
Ask about all available discounts: safe driver, good student, military, professional association
Consider a higher deductible ($1,000 vs $500) to lower your premium by 15–20%
Use telematics/usage-based programs if you're a safe, low-mileage driver
Maintain a clean driving record — even one ticket can increase rates 20–40%
Check your credit score — most states allow credit-based insurance scoring
Related Guides
Maine Auto Insurance FAQs
How much does car insurance cost in Maine?
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No free authority publishes a precise Maine average, so treat any single number as a ballpark. For national context, the countrywide average auto premium was about $1,258/year in 2022 (NAIC), and maine ranks among the 10 least expensive states for auto insurance. Your own rate depends far more on your ZIP code, age, driving record, vehicle, and coverage level than on any statewide figure — compare quotes from several insurers.
What is the minimum car insurance required in Maine?
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Maine requires at least $50K/$100K/$25K in liability coverage to drive legally. These minimums are often not enough to cover a serious accident, so many drivers carry higher limits — a common recommendation is 100/300/100.
How many drivers are uninsured in Maine?
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An estimated 6.2% of drivers in Maine are uninsured. Because of that, adding uninsured/underinsured motorist coverage is worth considering — it protects you if an at-fault driver has no insurance or too little.
How can I lower my car insurance rate in Maine?
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Compare quotes from at least five insurers, bundle auto with home or renters, raise your deductible, and claim every discount you qualify for (safe driver, good student, low mileage). For the same coverage, premiums in Maine can differ by $500–$1,500 between carriers.
Cover Forge USA Editorial Team
Editorial Lead
This article was researched and written by the Cover Forge USA editorial team against federal sources (NAIC, CMS, FEMA, DOL, SSA, state DOIs) and standard policy forms. Bylines organize content by topic — they do not assert individual licensure. See our editorial-policy for details.
Reviewed June 2026
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This site provides general educational information only and is not a substitute for professional insurance advice. All rates, data, and coverage details are estimates and may not reflect your actual premiums. Insurance availability and pricing vary by state, insurer, and individual risk factors. Always consult a licensed insurance professional in your state before making coverage decisions.