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Like in almost all other states in the country, Maine residents who own and drive an automobile have to have a car insurance policy.However, because motor vehicle insurance laws vary from state to state, you need to learn as much as you can about it in order to avoid pricey fines and severe penalties.

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Average cost of car insurance in Maine

The National Association of Insurance Commissioners (NAIC) claim that the average person pays roughly $592.82 for car insurance in Maine each year.

They broke this figure down to:

$333.69 is the average annual liability insurance expenditure.

$245.85 is the average annual collision insurance expenditure.

$95.40 is the average annual comprehensive insurance expenditure.

Young Drivers in Maine

Coverage levels have a huge impact on how much car insurance policy holders pay for towards their premiums. Our study found that the Pine Tree State offers young drivers the following yearly averages:

  • $776 for state minimum coverage1,
  • $1380 for basic full coverage2 and
  • $1793.6 for premium full coverage3.

Auto insurance expenditures also differ based on factors like specific location. However, Maine is already one of the states that has the lowest costs for this type of insurance. This is especially true for the young drivers of Sanford, with an estimated population of 20,893 (2015, latest data4), as they can pay as low as $32 a month.

Female Drivers in Maine

A female driver can expect the following annual premium averages:

  • $380.8 for state minimum coverage,
  • $650.8 for basic full coverage and
  • $883.6 for premium full coverage.

The individual quotes you’ll get will still vary though, depending on a myriad of considerations such as your claims and driving record, as well as the specific city you live in.

Senior Drivers in Maine

In our case study, our methodology5 determined that senior drivers can have the following yearly premium averages:

  • $366 for state minimum coverage,
  • $610.8 for basic full coverage and
  • $826 for premium full coverage.

The results of our research suggest that senior drivers already pay less than young and female drivers. But, they can actually further reduce their auto insurance costs by qualifying for senior citizen-specific discounts. Another money-saving strategy for older adults is to complete defensive driving courses.

Minimum car insurance requirements

In the State of Maine, the laws dictate that, for a car owner to remain in compliance with auto insurance regulations, their policies should consist of liability insurance, medical payments coverage, and uninsured/underinsured motorist coverage.

For the liability insurance part of your policy, make sure you have a minimum of $50,000 (per person) for bodily injury or death; a minimum of $100,000 (per accident and for multiple victims) for total bodily injury or death; and a minimum of $25,000 for property damage.

As for the medical payment coverage, the law enforces a $2,000 minimum. This portion of your insurance program will help cover your own expenses in the form of medical or funeral expenditures. Some of the health-related fees that it covers include bills incurred in the hospital, chiropractic services, x-rays, and surgeries. The best part about this is that you can still get compensation regardless of the party responsible for the road accident (even if it was you).

The last mandated type of coverage in Maine is the uninsured motorist coverage (also known as UM). With this, you can expect protection in the event you become a hit-and-run accident victim, the party at-fault does not carry auto insurance, or the party at-fault has inadequate insurance to cover for the property damage dealt to you or for your medical expenses.

Violations and Penalties 

When the authorities catch you driving a motor vehicle without (or insufficient) insurance, you can expect them to fine and penalize you.

Fines range from $100 up to $500, depending on the circumstances and a number of other factors (such as whether you fall under the uninsured or the underinsured motorist category). In addition, unless you show proof of insurance, both your registration and license will remain suspended.

Driving safety in Maine

According to the Centers for Disease Control and Prevention (CDC), the total percentage of motorists and front-seat passengers who wear seatbelts in Maine total only to 84%; 2% lower than the national average of 86%.

A 2015 National Highway Safety Administration study also showed that 156 driving fatalities occurred in the state during this year. 52 of them (33%) were due to alcohol impaired drivers.

The CDC then places the total vehicle occupant death rate in ME at 9.4 per 100,000 residents.

Final thoughts

As a responsible resident of Maine, you should never disregard the value and importance of investing in a car insurance program that complies with all of the state laws. It plays an important part in your life as a motorist, and not just because the law says you should carry it, but also because it serves as a protection for you, your property, and the other people who may get involved in an accident with you.

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licensed drivers in Maine, 2014
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privately insured vehicles in Maine

Source: StatistaInsurance Information Institute

1State minimum coverage includes the minimum liability insurance limits required in your state but excludes the following:
  • No Collision and Comprehensive Coverage
  • No Towing Coverage
  • No Rental Car Coverage
  • No Full Glass Coverage
2Basic full coverage includes:
  • $50,000 Bodily Injury Liability Per Person/$100,000 Per Accident
  • $25,000 Property Damage Liability
  • $50,000 Uninsured Motorist Bodily Injury Coverage Per Person/$100,000 Per Accident
  • $25,000 Uninsured Motorist Property Damage Coverage
  • $750 Deductible Collision And Comprehensive Coverage
  • $50 Towing Coverage
  • No Rental Reimbursement Coverage
  • No Full Glass Coverage
3Premium full coverage includes:
  • $250,000 Bodily Injury Liability Per Person / $500,000 Per Accident
  • $100,000 Property Damage Liability
  • $250,000 Uninsured Motorist Bodily Injury Coverage Per Person / $500,000 Per Accident
  • $100,000 Uninsured Motorist Property Damage Coverage
  • $250 Deductible Comprehensive Coverage And No Deductible Collision Coverage
  • $75 Towing Coverage
  • $30/day Rental Reimbursement, Max Of $900
  • Full Glass Coverage
4Latest data: The U.S. census is conducted every 10 years as per requirement of the United States Constitution. The 23rd edition and the latest data is the 2010 United States Census. Source: https://en.wikipedia.org/wiki/2010_United_States_Census
5Methodology: To achieve accurate results we obtained estimates for 10 cities in the state: 5 of the largest cities and 5 randomly picked smaller cities. For each city, we collected premiums for 3 levels of coverage: state minimum coverage, basic full coverage and premium full coverage. We used 3 different driver profiles for the case studies. For the young driver profile we used a 20-year-old single male or female with 1 year driving experience. Second, the profile fit that of a 35-year-old married female with 12 years of driving experience. The last profile we used in our studies is a male senior driver who was 68-year-old with 45 years of driving experience. The vehicle we used for all three driver profiles was a 2012 Honda Accord EX.
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