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Best Affordable Auto Insurance in Maine
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Maine auto insurance can be cheap and affordable if you understand what type of coverage you need. In order to satisfy the financial responsibility law in Maine, you must purchase a minimum of $50,000 in personal injury liability in the event of the injury to or death of any person in an accident you caused. This limit must be at least $100,000 for the injury or death of two or more people. Finally, $25,000 of property liability coverage is also required. These amounts are usually shown as $50/100/25 on your insurance policy. You may also opt for a combined single limit (for bodily injury and property damage liability) of $125,000. You insurance is essential because you cannot register your vehicle without proof that you have this minimum amount of insurance. In addition, every policy in Maine must have a minimum of $2,000 for medical payments coverage. Keep in mind that these minimum amounts may be too low for your situation and you may want to buy more coverage, either for peace of mind or because you are a higher risk driver. Finding the best and most affordable auto insurance in Maine can be an arduous task. Thankfully here at Best Auto we have done all the hard work to help you not only get free quotes, but find the best coverage and policy in Maine. Below is all of the essential car insurance information you need, as well as the best auto insurance companies serving the Pine Tree State.

Understanding Maine's Auto Insurance Requirements

Remember that the minimum requirement for car insurance differs from state to state and in order to get the best auto insurance quotes in Maine one must understand what coverage they need. Maine is not a no-fault state and does not require Personal Injury Protection (PIP) however it does require protection from uninsured motorists be a part of an auto insurance policy. Also beware of the medical expense stipulation at the bottom of the page.

In insurance vernacular a state's basic information on minimums for coverage are presented in the Body Injury Liability for 1 person/Body Injury Liability for all people/Property Liability Damage format. Body Injury liability refers the minimum dollar amount required for one person in an accident. Body Injury Liability for all people is the minimum amount required for coverage in an accident involving at least 1 driver and 1 passenger. Property Liability Damage refers to the minimum amount required for any accident in which property is damaged. In Maine the minimums are 20/40/15. The numbers are in thousands of dollars.

Maine Car Insurance Facts & Car Insurance In Comparison:

  • Liability Insurance Required: Yes
  • Minimum Coverage Required: 20/40/15
  • No-Fault State: No
  • Personal Injury Protection Required: Yes
  • Uninsured Motorist Coverage Required: Yes
  • Average Liability Cost: $346
  • Average Collision Cost: $261
  • Average Comprehensive Cost: $101
  • Average Cost per Year in Maine: $611
  • US Average Cost: $795
  • Expense Rank: 43/51

Best Maine Auto and Car Insurance Companies

J.D. Power
Overall Rank
Customer
Satisfaction
52%
N/R
N/A N/R
41%
N/A 53%
37%
55%
39%
63%
N/A 42%
N/A 55%
N/A N/R
34%
N/R
35%
N/A N/R
N/A 23%
42%
N/R
N/A N/R
N/R
34%
33%
N/A N/R
N/A N/R
N/A 65%
N/A N/R
N/A 34%