Maine car insurance: minimums, SR-22 rules and costs

Last updated: November 12, 2026

Maine drivers must carry at least $50,000/$100,000 of bodily injury liability and $25,000 of property damage liability, plus medical payments, uninsured motorist (UM) and underinsured motorist (UIM) coverage. In 2023, insured drivers in Maine spent an average of $856.28 on car insurance, 33% below the national average of $1,281.60, according to the National Association of Insurance Commissioners (NAIC). That makes Maine the 2nd least expensive of the 50 states and D.C. by that measure.

Minimum car insurance required in Maine

Coverage	Minimum
Bodily injury liability, per person	$50,000
Bodily injury liability, per accident	$100,000
Property damage liability, per accident	$25,000
Medical payments	$2,000 per person
Uninsured motorist (UM)	Required
Underinsured motorist (UIM)	Required

You'll often see this written as 50/100/25. The first two numbers are the bodily injury limits in thousands of dollars (per person and per accident), and the last is property damage. Those amounts are the most the policy pays for injuries and damage you cause to others. Anything above them can come back to you personally.

Instead of split limits, Maine also lets you meet the requirement with a combined single-limit policy.

Is Maine a no-fault state?

No. Maine isn't one of the 12 no-fault states listed by the Insurance Information Institute, so the driver who causes a crash, and their insurer, is generally responsible for the other people's injuries and damage. That's why the liability limits above matter so much.

SR-22 rules in Maine

In Maine, the Bureau of Motor Vehicles' Driver License Services Division handles SR-22 certificates of insurance, judgment suspensions and requests for proof of insurance. Insurers file SR-22s with the BMV electronically.

The BMV's page doesn't list a standard filing period, so ask Driver License Services how long yours must stay in place before you change or cancel the policy.

What drives car insurance costs in Maine

Average spending in Maine rose 23% from 2019 to 2023, compared with 19% nationwide. Here's average annual spending per insured vehicle, from the NAIC:

Year	Maine average	U.S. average
2019	$696.52	$1,075.08
2020	$703.99	$1,047.76
2021	$722.94	$1,060.23
2022	$766.89	$1,124.45
2023	$856.28	$1,281.60

The NAIC's "average expenditure" is total written premium divided by insured vehicles. It isn't a quote, and your own price depends on your driver profile and the coverage you choose.

Uninsured drivers. An estimated 5.7% of drivers in Maine were uninsured in 2023, lower than the national estimate of 15.4%. That's the lowest rate among the 50 states and D.C. When more drivers are uninsured, insured drivers' own uninsured motorist coverage pays more claims, which pushes up its price.
Crash deaths. Maine recorded 177 motor vehicle crash deaths in 2024, or 1.17 per 100 million miles driven, lower than the U.S. rate of 1.19 (the 25th lowest of the 50 states and D.C.). Severe crashes drive up bodily injury claim costs.
Where and how crashes happen. In 2024, 80% of Maine's crash deaths happened in rural areas (U.S.: 41%), 24% involved speeding (U.S.: 29%), and 7% of those killed were pedestrians (U.S.: 18%).

Ways to save on car insurance in Maine

Compare at least three quotes. Insurers weigh the same facts differently, so prices for the same driver in Maine can vary widely. More ways to lower your bill.
Check your uninsured motorist limits anyway. Even at 5.7%, uninsured and underinsured drivers are common, and UM coverage is usually inexpensive. How UM coverage works.
Shop at every renewal. Prices in Maine rose faster than the national average from 2019 to 2023, so a renewal increase is a good reason to compare.
Keep comprehensive if your car is worth it. Most crash deaths in Maine happen on rural roads, where animal strikes and long distances are common. Comprehensive covers hitting an animal; collision covers crashes. Comprehensive vs. collision.
Ask about discounts. Common ones include safe driver, multi-car, bundling, paying in full, good student and usage-based programs. They're not always applied automatically.

See other states in our car insurance guides by state.

Sources

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DriveCheaper may be paid by companies shown on this site. How we make money. This page is general information, not insurance or legal advice. Laws and prices change, so confirm details with your insurer or your state's insurance department or DMV.