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Minimum Coverage Requirements For The State Of Maine

The state of Maine has higher than national average state minimum requirements for car insurance. The set minimum for Maine is 50,000/100,000/25,000 for bodily injury liability and property damage liability.

Minimum Auto Insurance Standards in Maine

CoverageMaine Minimum Liability CoverageRecommended Auto Insurance Coverage
Bodily Injury Protection$50,000 / $100,000$100,000 / $300,000
Property Damage$25,000$50,000
Medical Payments Coverage$2,000$5,000
Uninsured Motorist Coverage$50,000 / $100,000$50,000 / $100,000
Combined Single Limit$125,000$125,000
Comprehensive CoverageOptional$500 deductible
Collision CoverageOptional$500 deductible

Bodily Injury Liability

Bodily injury liability covers hospital charges for the driver and passenger of the other auto if the insured party is revealed to be at-fault in the accident.

Under the minimum coverage, the insurer will pay up to $50,000 for a single person up to $100,000 for all people hurt in the accident.

Cheapest insurance for 25 year old driver in Maine

Note: The average rates for a 25 year old driver in Maine is $1,560 per year. If you compare quotes from the top five providers in our table you could save more than 15% yearly. Please see table below.

Property Damage Liability

Property damage liability is going to pay for physical damages to the other driver’s car as well as street lights, fire hydrants, houses, places of business, and livestock or other animals.

Maine affordable auto insurance providers for 45 year old

Note: For a 45 year old driver in Maine the cheapest insurance firms are GEICO, Patriot, and Progressive. The average rate is $1,090 per year in the state of Maine. See table below.

If the minimum policy is held, the insurance corporation will pay up to $25,000 for damages sustained.

Uninsured Motorist Protection

Maine is one of the few states which requires drivers to get uninsured motorist protection which is a cover that helps pay for medical expenses and damages to the insured vehicle if the at-fault driver does not have insurance.

Maine affordable auto insurance providers for 55 year old

Note: As illustrated, a 55 year old driver should be able to get low rates in the state of Maine. Patriot, Progressive, GEICO, and Vermont Mutual were the lowest when conducting our study.

The minimum coverage for medical payments is $2,000 and can cover the following:

  • Chiropractor

  • X-ray expenses

  • Dental expenses

  • Professional nurses expenses

  • Prosthetic expenses

  • Funeral expenses

Another fact is Maine is a tort state; therefore if you have cause the accident then you will be responsible for paying the medical expenses of the injured driver.

Median insurance rates for 25 year old driver in Maine.

Note: For detailed information please see table below. The graph above illustrated “not” the lowest cost providers, but the median rate. Although, more expensive they should not be counted out. You may be able to get a lower insurance premium with one of them.

Auto Insurance Companies in Maine & Avg Rate by Age

Median insurance rates for 45 year old driver in Maine.

Table of Insurers

RankMaine Auto Insurance CompanyAverage Annual Rate for 25 Y/O DriverAverage Annual Rate for 45 Y/O DriverAverage Annual Rate for 55 Y/O Driver
1GEICO$1,236$699$611
2Patriot Insurance$1,245$708$615
3Progressive$1,278$712$619
4Vermont Mutual$1,299$755$620
5Country Way$1,309$789$674
6Allstate$1,376$832$675
7Concord$1,425$876$689
8State Farm$1,511$912$703
9MetLife $1,544$923$705
10MMG Insurance$1,587$1,008$765
11Hanover$1,601$1,078$789
12Farmers$1,711$1,132$805

Median insurance rates for 55 year old driver in Maine.

If you are a 55 year old driver in the State of Maine with a clean driving history you should be able to get low rates. As illustrated, the list of the “next” six of insurance companies were almost as low as the top six illustrated earlier.

Comprehensive & Collision Coverage When to Consider?

The state of Maine’s government website recommends anyone that has a vehicle which is worth more than $2,000 to consider buying collision coverage, particularly if you live in a higher populated area such as Lewiston.

Chart showing when to self insurer and when to get comprehensive & collision coverage

Note: As illustrated, if you have $3,000 in the bank and your vehicle is worth $2,500 then you would forgo comprehensive and collision coverage to save.

If you have a vehicle that is valued in this range you would want to consult with your insurance company about buying optional collision coverage.

Local Car Insurance Agents & Avg Rate

CityAvg RateCityAvg RateCityAvg Rate
Auburn Insurance$789Camden Auto Insurance$959Old Town Auto Insurance$959
Augusta Auto Insurance$765Brunswick Auto Insurance$956Orono Auto Insurance$970
Bangor Auto Insurance $824Ellsworth$981Portland Auto Insurance$1,027
Bath Auto Insurance$828Gardiner$1,007Presquie Ilse Auto Insurance$1,112
Belfast Auto Insurance$888Hallowell$993Rockland Auto Insurance$990
Biddeford$843Kittery$1,038Saco Auto Insurance$1,003
Bowdoin Auto Insurance$932Lewiston$911Sanford Auto Insurance$943
Bowdoinham Auto Insurance$948Lisbon Auto Insurance$1,100Waterville Auto Insurance$965
Brewer Auto Insurance$947Madison Auto Insurance$983Westbrook Auto Insurance$1,075

Comprehensive cover is optional but highly recommend in the state of Maine since the state has severe winter storms, your windshield could break, or any other non-collision type of accident would be covered.

If you have a newer vehicle comprehensive should be on the policy.

When you are purchasing car insurance other items such as GPS navigation units, radios, DVD players are going to be covered by comprehensive only when the items are permanently installed on the vehicle.

Portable items are not going to be included on the policy unless your insurance firm offers an endorsement to add to the policy for such items.

Best Car Insurance Firms by Rating & Complaint Ratio

RankInsurance CompanyRating out of 5Index
1Main Street America Insurance4.20.00
2Quincy Mutual4.10.00
3Travelers4.20.00
4Concord Group4.20.25
5Vermont Mutual Group4.00.51
6Progressive4.70.59
7Allstate4.70.64
8State Farm4.40.66
9MMG Insurance Co3.70.71
10Liberty Mutual4.10.72
11Hanover Insurance4.60.98
12Hartford4.21.08
14GEICO4.51.67
15Farmers4.23.56

Related Factors Which Influence Auto Insurance in Maine

Other factors to consider in the state of Maine when buying car insurance is there will be a ten percent “short rate” cancellation fee if you are going to change insurance companies in the middle of the policy.

The only time a driver is exempt from a “short rate” cancellation fee is if you have sold or no longer own the vehicle.

Cheapest Auto Insurance Firms by City

Portland, ME

Portland Auto Insurance CompanyAverage Annual Rate for 30 Y/O DriverAverage Annual Rate for 45 Y/O Driver
GEICO$1,236$733
Patriot Insurance$1,247$738
Progressive$1,280$748
Vermont Mutual$1,289$756
Country Way$1,322$789
Allstate$1,389$809

Home to the University of Maine, Portland is on the Atlantic Ocean and is the largest city in the state. Over 40% of the states residents reside near Portland and has the 20th largest fishing port in the United States. No other port is closer to the Europe.  

Historically known as “Forest City” with stunning landscapes and outstanding scenery the city of Portland been destroyed twice.

Portland’s Old Port District is popular with tourists, showing northeast culture, breathtaking coffee shops, and stunning restaurants.

South Portland is home to one of the northeast’s famous mall – the largest commercial complex north of Boston. The Old Port Festival is the largest one day festival in Maine.

Full of history, culture, and a hint of British influence Portland attracts thousands each year.

Low cost auto insurance providers in Portland Maine.

Lewiston, ME

Lewiston Auto Insurance CompanyAverage Annual Rate for 30 Y/O DriverAverage Annual Rate for 45 Y/O Driver
GEICO$1,278$755
Patriot Insurance$1,245$756
Vermont Mutual$1,299$778
Country Way$1,311$803
Allstate$1,358$809
Progressive$1,401$809

Lewiston is north of Portland and has foundation built in agriculture, mills, lumber, and manufacturing. Surrounded by beautiful landscapes it is home to many outdoor enthusiasts.

The old factories in the city of Lewiston are seen by tourists year by year.

Home to the Great Falls Balloon Festival and the Greek Festival much of Lewiston’s old “glory days” have been run down.

There is period of renovation and revitalization which continues today. The city has wonderful hiking, camping, and cross country skiing trails.

Low cost auto insurance providers in Lewiston Maine.

Bangor, ME

Bangor Auto Insurance CompanyAverage Annual Rate for 30 Y/O DriverAverage Annual Rate for 45 Y/O Driver
GEICO$1,311$768
Patriot Insurance$1,322$783
Vermont Mutual$1,367$791
Country Way$1,489$808
Allstate$1,499$822
Progressive$1,576$878

Bangor has nearly 35,000 residents as of the 2010 census. Though small it is an economic hub for central Maine. Walmart, Hannaford Markets and General Electrics are major companies and manufacturers in the surrounding area of Bangor.  

Outdoor enthusiasts love Bangor including the Bangor City Forest, hiking, sailing, canoeing, hunting, fishing, skiing, and snowmobiling.

Bangor contains many Greek Revival, Victorian, and Colonial Revival houses which are registered a historic homes.  Some notable museums, The Maine Forest and Logging Museum includes a reconstruction of an early logging and milling community.

The bow plate of USS Maine in on display in Davenport Park and the second oldest garden cemetery, Mt. Hope Cemetery is in Portland. Lastly, it is home to Stephen King.

Inexpensive auto insurance providers in Bangor Maine.

Biddeford, ME

Biddeford Auto Insurance CompanyAverage Annual Rate for 30 Y/O DriverAverage Annual Rate for 45 Y/O Driver
Patriot Insurance$1,206$702
GEICO$1,288$744
Progressive$1,302$783
Vermont Mutual$1,367$799
Country Way$1,378$808
Allstate$1,407$841

Biddeford borders the Atlantic Ocean and has over 21,000 residents as of the 2010 census with a fastest growing economy in the state.  

It is considered one of the oldest European settlements in the United States. Today it is dominated with history, culture, and wonderful sights for tourists and residents.

The city has it foundation in fishing, agriculture, lumber, and textile mills.

Biddeford’s beautiful historic downtown is absolutely breath taking and two focal points are McArthur Public Library and Biddeford’s City Theater.

The Main Street Historic District has neat shops, quaint stores, while enjoying the outdoors.

The Biddeford City Theater hosts live performances throughout the year. And many museums honors the city’s history as a lumber, milling, and agriculture town with photos and preserved buildings.

Inexpensive auto insurance providers in Biddeford Maine.

Insurance Resources & Motor Vehicle Information

Department of InsuranceDepartment of TransportationDepartment of Motor Vehicles
76 Northern Ave, Gardiner, ME 04345
(207) 624-8475
66 Industrial Dr, Augusta, ME 04330
(207) 624-3000
19 Anthony Ave, Augusta, ME 04330
(207) 287-3330
WebsiteWebsiteWebsite
Greg Fowler
I love to network, travel, and spend time with my children. When I am not doing that I am working on AutoInsureSavings or other websites. If I am working, the best way to reach me is via my Google+ Profile.

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