2026 Maine Car Insurance Calculator

Maine requires 50/100/25 minimums — among the highest in the country — plus $2,000 in Medical Payments coverage and $50,000/$100,000 in Uninsured Motorist coverage. Maine's comprehensive minimum requirements reflect the state's commitment to ensuring drivers are meaningfully protected after a serious accident.

Maine's legislature has historically prioritized consumer protection in insurance regulation, resulting in minimum limits that far exceed the national norm. The 50/100 bodily injury minimum is double what most states require and the mandatory Medical Payments and Uninsured Motorist requirements add additional layers of baseline protection. Despite these high minimums, Maine remains one of the cheapest states for auto insurance due to its low claim frequency and favorable driving environment.

Maine consistently ranks among the top states nationally for deer-vehicle collisions per mile driven, with the risk peaking sharply in October and November during deer season. Moose collisions are also a genuine hazard on rural Maine roads, Maine has the highest moose population in the contiguous US and a moose strike is typically a catastrophic event for both vehicle and occupants. Comprehensive coverage is strongly recommended for any driver who regularly travels rural or forested roads.

Driving without insurance in Maine results in a fine of up to $500 for a first offense and license suspension. Reinstatement requires proof of current insurance and payment of a reinstatement fee. Maine uses an electronic verification system and officers can confirm coverage in real time. Given Maine's high mandatory minimums, the financial exposure of an at-fault accident while uninsured is considerably greater than in most other states.