Maine Auto Insurance Policy Requirements

Q: What is in a basic Maine auto insurance policy?
A: Several different kinds of coverage can be added to an auto insurance policy in Maine. These are the main types:

  1. Liability Coverage
    1. Liability insurance is divided into two types in order to consider bodily injury and property damage separately:
      1. Bodily Injury Liability Coverage
      2. Property Damage Liability Coverage
    2. Liability coverage is required in Maine. To legally drive in the state of Maine, along with having a valid driver’s license, you must at least have the following liability coverage in your auto insurance policy:
      1. 50/100/25” (Maine’s minimum auto insurance requirement)
      2. $50,000 for injury/death to one person.
      3. $100,000 for injury/death to more than one person.
      4. $25,000 for damage to property.
    3. Liability minimums are different for leased vehicles.
  2. Collision Coverage is only required if your vehicle is financed (not completely paid for). Otherwise, collision is merely a recommended option as part of a Maine auto insurance policy.
  3. Comprehensive Coverage is required while you are financing your vehicle. If you are no longer financing the vehicle, adding comprehensive to your Maine auto insurance policy is optional but advisable.
  4. Medical Payments Coverage is advisable but not required to be included in a Maine auto insurance policy.
  5. Uninsured (and Underinsured) Motorist Coverage is a mandatory part of your insurance policy in Maine.
  6. Personal Injury Protection (PIP) Coverage is not compulsory for a Maine auto insurance policy.
  7. Other Options
    1. Towing Coverage
    2. Rental Coverage
    3. Loan/Lease Gap Coverage
Q: Is Maine a No-Fault state?
A: No, Maine is not under a no-fault auto insurance system.

Q: How can I get a discount on a Maine auto insurance policy?
A: There are many ways you can qualify to save on different auto insurance policies. Discounts vary from carrier to carrier, but you can start by viewing our list of auto insurance discounts for more information.

Q: Where can I find more information about Maine auto insurance?
A: Here are a few reliable internet resources with information on automobile insurance in Maine:
  1. Maine Insurance Resources
    1. The Maine Bureau of Motor Vehicles (BMV) maintains three primary departments: Driver License Services, Vehicle Services, and Administrative Services (for driving records).
    2. The Maine Bureau of Insurance helps enforce laws regarding insurance, investigates questionable insurance practices, and sponsors programs for public awareness of insurance laws.
  2. National Insurance Resources

With 90% of its land as forest, 3,500 miles of stunning coastline scenery, and some of the finest seafood in the country, Maine residents must have pride in their Pine Tree State, and CLICKinsure is proud to offer its broker services. Whether you drive along its rocky coast, head off to a getaway at Moosehead Lake, or simply commute to work, you deserve the best in auto insurance premiums. Allow a CLICKinsure agent to help you determine the best plan for you, whether you live in Portland, Lewiston, Bangor, South Portland, Auburn, Brunswick, Biddeford, or anywhere else in Maine.