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Maine State Auto Insurance Requirements
Reports tell us we spend upwards of a quarter of our income each year on insurance. So you can see just how important it is to shop around to be sure we're getting the best deal we can on auto insurance. But first, be sure to know what is needed, and what is optional.
What is the Mandatory Auto Insurance Law?
The law requires resident drivers throughout the State of Maine, whether in Portland, Lewiston, Bangor, Auburn, Augusta, Brunswick, or somewhere in between, to have an auto insurance liability policy with at least the minimum required limits.
What are those minimum required limits in the "Dirigo" State?
Maine law requires you buy liability insurance, uninsured motorists, and medical payments coverage as follows:
Liability Coverage (mandatory):
These amounts are usually shown as $50/100/25, or a combined single limit (for bodily injury and property damage liability) of $125,000 on your insurance policy.
You cannot register your car unless you show proof that you have this minimum amount of insurance. There is also a mandatory $2,000 medical payments coverage that is required.
Medical Payments (mandatory):
Keep in mind that these minimum amounts may be low for your situation and you may want to buy more coverage. You should base your decision on your wish to protect your assets from additional claims above the minimum amounts. However, remember that as you raise your coverage, your premiums will also increase. The extra cost of higher coverage tends to be relatively low.
Uninsured / Underinsured Motorist (mandatory):
Uninsured/Underinsured Motorist Property Damage:
Proof of Insurance
If youíre stopped by a Maine law enforcement officer, you must present a Maine Evidence of Insurance card showing that the car is insured. Your ME car insurance company must provide you with this card when they issue or renew your car insurance liability policy, or any time you request it.
What if I don't have proper coverage?
Maine law requires that all registered car owners carry liability, medical, and UM/UIM insurance. Those who are driving without insurance are subject to penalties such as fines and suspension of drivers license, auto registration, or the right to apply for either.
Motorists convicted of driving with no insurance will be fined $100-500, have their license suspended for 30 days from conviction, and have the car registration suspended as well.
How to Find the Best Auto Insurance Rates in Maine?
It is very important to comparison shop for the best coverage in Maine at the lowest rates. Let's face it, Maine auto insurance is not cheap! But there are many online resources that provide free quotes from licensed Maine insurance companies approved by the Maine BMV. If you think you may be paying too much for auto insurance, Maine residents can save time and money by comparing car insurance quotes quickly and anonymously between all the top name auto insurance carriers simply by logging on right here at InstantCarInsurance.com.
Just remember, the State of Maine requires minimum car insurance Liability limits of 50/100/25, 50/100 for UM, and $2,000 for Medical Payments coverage for each car that carries a valid Maine auto registration. Keep this in mind when shopping for basic coverage and evaluate it against auto insurance quotes with higher coverage limits for a little more money. Cheap car insurance is not always the best car insurance and the Maine Bureau of Insurance, along with InstantCarInsurance.com, warn against buying the cheapest car insurance you find.
The Maine Bureau of Insurance also recommends doing the following:
One last tip:
Shop and shop often! Why? Most people don't realize that insurance companies change rates continuously and typically repost new rates twice monthly. Thus we recommend coming back to this site and re-rating your cars on the 1st and the 16th of each month just to be sure you are still getting the best deal and the rock-bottom cheapest price available on car insurance! And why not? Itís free.
For more information contact the Maine Bureau of Insurance at the following address:
Maine Bureau of Insurance
Or contact the Maine Bureau of Motor Vehicles at the following address:
Bureau of Motor Vehicles
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