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The state of Maine requires that any motorist maintain automotive insurance coverage for at least $50,000 per injured person, $100,000 for all injured persons, and $25,000 for property damage liability. Maine also requires each motorist to maintain minimum uninsured/underinsured motorist coverage of $50,000 per person injured and $100,000 for all persons involved in an accident. In addition to all of these coverages, you must maintain at least $1,000 in coverage for medical payments.

Keep in mind that these are just the minimum coverages that are required to operate a vehicle in the state of Maine. Most experts recommend you get even more coverage than this – at least $100,000 per person and $300,000 for all persons in an accident. It is also recommended to get at least $50,000 of property damage coverage to be properly covered.

Like most states, Maine does follow a Tort system. This means that one individual must be found at fault in every accident. The person at fault and their insurance company take the financial responsibility for the accident.

There are additional types of auto insurance coverage that may be purchased beyond what is required by the state, and they are also recommended by insurance experts to be properly covered. These include collision, comprehensive and uninsured/underinsured motorist coverage. These additional coverages are added security beyond what is required by the state of Maine, but can be just as important if an accident does occur. It is a good idea to talk to a qualified automotive insurance agent to understand what your needs are, and to find the best coverage for your needs and budget.

Our customers Portland, Lewiston, Bangor, South Portland, Auburn, Biddeford, Augusta, Saco, and many other great cities throughout Maine use our services to find the most inexpensive Maine auto insurance. Our vast network of insurance agents and brokers can answer any questions you have, and find the right automotive insurance coverage within your financial plan.