Despite having the highest state-minimum coverage in the nation, Maine’s typical auto insurance premium sits over $300 below the national average. That’s largely due to Maine’s few uninsured drivers and the low number of miles driven each year. But your rate may deviate from the norm. The only way to know for sure is to get quotes and compare your options to see which company offers you the greatest value and the coverage options that best suit you.

Maine Minimum Liability

Every driver in the U.S. is required to carry some liability insurance in case they were to cause an accident, but the minimum amount varies by state. In Maine, you must have at least:

  • $50,000 bodily injury coverage per person
  • $100,000 bodily injury coverage per accident
  • $25,000 property damage coverage per accident

You’ll often see this abbreviated as 50/100/25 coverage. Apart from Alaska, no other state requires its drivers to carry this much liability insurance. State law also mandates uninsured and underinsured motorist coverage in the same quantities to protect you if you are involved in an accident with another driver who doesn’t have insurance or who doesn’t have enough to cover the total cost of the damages. Maine drivers must have at least $2,000 of medical payment coverage as well, which pays for your medical bills even if you are the one at fault.

It’s always best to purchase more than the minimum coverage if you can. Say that you get into an accident and do $50,000 worth of property damage. Your state-minimum coverage will only pay half of that, and you’ll have to come up with the other half on your own. But if you’d purchased higher liability coverage limits, you wouldn’t have to pay anything out of pocket.

Every company weighs your application a little differently, which is why they all give you different quotes. Set aside some time to compare your options. Figure out how much you can reasonably afford and go with the company that offers you the most coverage for that amount. We recommend starting with the companies listed below.

Maine Auto Insurance Reviews

State Farm

State Farm enables you to purchase up to 500/500/500 coverage. That should be enough to cover even the most serious accidents without forcing you to pay any extra out of pocket. No other company on this list offers liability coverage limits higher than this, so State Farm should be your first stop if you’re interested in purchasing the most protection possible.

State Farm is also worth getting a quote from if you drive for Uber and Lyft. It’s the only company listed here besides Allstate that offers a ridesharing endorsement, which protects your vehicle while you are using it for work. This is not covered under a traditional auto insurance policy.

There aren’t as many ways to save on your auto insurance, but our quote from State Farm was still competitive. There are the standard multi-policy and safe driver discounts, but beyond that, your best chance of saving is to participate in one of State Farm’s driving programs. The Drive Safe & Save program monitors your driving through an app and gives you savings for being responsible. The Steer Clear program is a driver refresher course, but it is only available to drivers under 25. You can also save by choosing a higher deductible, but State Farm only gives you five choices between $100 and $2,000.


Allstate stands out for its unique endorsements, many of which are designed to reward you for driving safely. With Deductible Rewards, your deductible will decrease by $100 every year you go without an accident up to $500. You can also sign up to get a Safe Driving Bonus Check for every policy period you go without a claim. When you sign up, you’re automatically enrolled in the Allstate Rewards program, which enables you to earn points that can be redeemed for gift cards and products.

It’s also worth checking out if you’re interested in rare endorsements like new car replacement. This pays to replace your totaled new car with one that is the same make and model, regardless of how much it has depreciated. There’s also sound system coverage, which will replace your stereo if it’s stolen or damaged, and personal property protection, which replaces any personal belongings that were damaged in an accident.

Despite having the most discounts of any company on this list, our Allstate quote was our second-most expensive option, though you may get different results. It’s worth getting a quote from Allstate if you’re interested in a policy with high coverage limits, though. It’s the only company apart from State Farm that lets you purchase as much as 500/500/500 coverage, and it gives you a greater choice of deductibles, with 12 options ranging from $50 to $2,000.


Progressive gave us our most expensive quote, but you may find it to be affordable for you, especially if you take advantage of some of its unique discounts. You can save for being a homeowner, purchasing a policy online, and enrolling in auto-pay. Earn even more savings by enrolling in Progressive’s Snapshot program, which monitors your driving for several months and gives you discounts for being safe.

You may also want to take a look at Progressive if you owe money on your car or you’ve made custom upgrades to it. Progressive is the only company on this list to offer GAP coverage. This pays for the balance of your lease or loan if your car is totaled in an accident, so you aren’t stuck paying for a vehicle you can no longer drive. It’s also the only company that covers custom parts, so that all the money you invested into your vehicle isn’t lost if you get into an accident.

Progressive isn’t the right choice if you’re looking for high coverage limits. The most you can purchase is 250/500/100. If you’re concerned that this may not be enough to cover the damages in a serious accident, you may feel more comfortable choosing a company like State Farm or Allstate.

Liberty Mutual

Liberty Mutual should be high on your list if you own a new car, as it’s one of the only companies on this list to offer new car replacement. It also takes this coverage a step further and offers better car replacement. If you have this coverage and your vehicle is totaled, Liberty Mutual will replace it with one that is a model year newer with 15,000 fewer miles on it.

There are also endorsements designed to help you save money over the long term. The Deductible Fund option will lower your collision deductible by $100 every year you go without an accident up to a maximum of $500. There’s also a lifetime repair guarantee endorsement. If you get your vehicle repaired at one of Liberty Mutual’s approved repair facilities, the parts that were fixed are guaranteed for the life of your vehicle. Should they break again, you can bring your car back and you won’t pay a dime out of pocket for the repairs.

Liberty Mutual fell a little behind the others in terms of claims handling. It only received a two out of five from J.D. Power with the most common complaints being the efficiency of the process and the fairness of the settlement. Consumer Reports also gave it low scores in these areas. This isn’t a guarantee that you’ll run into problems if you go with Liberty Mutual, but if you’re worried, you may feel more comfortable going with a company like State Farm.

Maine is one of the safest states for owning a vehicle.

According to a study by the National Association of Insurance Commissioners, Maine drivers spend less time on the road than most other states, and its traffic density is lower than most other New England states. This decreases the risk of accidents, which enables insurance companies to offer more affordable rates.

Despite the high state-minimum coverage, Maine has the fewest uninsured drivers in the nation. This means that insurance companies don’t have to worry as much about paying out claims that their drivers didn’t cause, and less risk for them means lower prices for you.

You don’t have to worry about auto theft in Maine, either. It has the fifth-lowest rate of theft nationwide, with fewer than one of every 1,000 vehicles getting stolen each year.

Medical payment coverage will pay for your doctor bills even if you caused the accident.

Maine is one of the few states in the nation that requires its drivers to have medical payment coverage. This pays for your medical expenses if you are found to be at fault in the accident. If the other driver is at fault, their liability coverage will pay for your doctor bills.

While state law only requires you to have $2,000 worth of coverage, it’s a good idea to add more if you can. Car crashes can cause serious injury, and with the cost of healthcare continually rising, it won’t take long for you to use up $2,000.

This coverage is a great way to supplement your health insurance and to ensure that you’re financially protected in the event of an accident. Raising your medical payment coverage will cause your auto insurance premiums to rise a little, but if you get injured in a car accident, you’ll be grateful you did it.