Who regulates auto insurance in Maine?

The Maine Bureau of Insurance licenses carriers and agents and enforces Maine's auto insurance requirements. Visit maine.gov/pfr/insurance/ for consumer resources.

What minimum auto insurance is required in Maine?

Maine requires minimum liability, medical payments (MedPay), and uninsured motorist coverage. Maine's minimums are higher than many states. Verify current requirements at maine.gov/pfr/insurance/.

Is Maine an at-fault state?

Yes — Maine is an at-fault state with modified comparative fault. The at-fault driver's liability coverage pays damages.

Why is moose collision coverage important in Maine?

Maine has among the highest moose-vehicle collision rates in the US. These collisions often total vehicles and can be fatal. Comprehensive coverage covers moose collisions — verify your comprehensive deductible.

Are auto insurance rates affordable in Maine?

Maine generally has below-average auto insurance premiums outside Portland. Rural Maine rates are among the more affordable in the Northeast.

Car Insurance in Maine

Maine's rural roads, severe winters, moose hazards (among the highest collision rates for large wildlife in the US), and sparse population create a distinct risk profile. Maine generally has moderate to below-average premiums.

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