The Pine Tree State

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Maine Auto Insurance Coverage

Known across the country for its famous lobster and lush pine tree forests, there's a lot to love about Maine. But, whether you're new in town or have deep roots in the Pine Tree State, it's essential to understand the auto insurance requirements in Maine. 

Required Auto Insurance in Maine

Maine requires all drivers to have liability insurance for both property damage and bodily injury, which pays for any damage or injuries caused by an accident in which you were at fault. Maine requires the following minimum liability coverage:

  • Bodily Injury: $50,000 per person and $100,000 per accident.
  • Property Damage: $25,000 per accident.
  • Uninsured Motorist Coverage: $50,000 per person and $100,000 per accident.
  • Medical Payments Coverage: $2,000 per person.

Maine Teen Driving Laws

Maine operates under a Graduated Driver’s License (GDL) Law, which includes three stages: Learner’s Permit, Intermediate License, and Unrestricted License. 

  • Learner’s Permit: At 15, teens can obtain a learner’s permit after passing a written exam and completing a driver education course. A learner’s permit allows teens tofulfill their required 70 hours of driving practice (10 hours must be done after dark). 
  • Intermediate License: Teen drivers can obtain an intermediate license after holding a learner’s permit for 6 months and passing a driving test. With an intermediate license, teen drivers may operate a vehicle unsupervised between midnight and 5:00 AM for the first 270 days. However, teen drivers must be supervised when driving between 10:00 PM and 6:00 AM.  
  • Unrestricted License: To obtain an unrestricted license, drivers must hold their intermediate license for 270 days without any traffic violations.

Please be aware of additional restrictions for teen drivers in Maine.

Maine Auto Insurance Discounts

Looking to save? You may qualify for one or more auto insurance discounts available to drivers in Maine. Some examples of common discounts include:

  • Safe driver
  • Good student
  • Installed anti-theft systems
  • Multi-vehicle
  • Accident-free
  • Multi-policy




Read more about potential discounts by visiting our auto insurance discounts page.

Optional Coverage in Maine

No law in Maine states that you must settle for the state's minimum auto insurance requirements. You can always expand your coverage by purchasing optional insurance policies that cover a broader range of expenses and situations.

Start your Maine auto insurance quote online, or by calling (888) 772-4247

Learn More About Maine

Blue welcome to main road sign
About Maine

Maine was America's 23rd state. Known country wide for its famous lobster eats, the state is full of beautiful costal scenery that includes over 35,000 acres of wild blueberries.