Free referral line — talk to a licensed insurance professional in your areaCall (866) 370-6395
HomeStates › Maine
⚖ Verified against Maine Bureau of Insurance - Insurance Required by Law · July 2026

Maine car insurance requirements, in plain English

Maine is an at-fault (tort) state with 50/100/25 minimum liability. Here's exactly what the law demands, what it costs to ignore it, and how SR-22 filings work — with statutes cited.

50/100/25
minimum liability
5.7%
drivers uninsured (Insurance Information Institute)
Tort
liability system
3 yrs
SR-22 filing period

What car insurance is required in Maine?

Maine requires $50,000 / $100,000 bodily-injury liability, $25,000 property-damage liability, UM/UIM, MedPay. Every owner or operator of a vehicle registered in Maine must maintain financial responsibility at the amounts in 29-A M.R.S. §1605: $50,000/$100,000 bodily injury, $25,000 property damage, $2,000 medical payments, and $500 for towing and storage, with matching uninsured motorist protection required by law.
Coverage ME law requiresMinimum
Bodily injury liability — per person$50,000
Bodily injury liability — per accident$100,000
Property damage liability$25,000
UM/UIMUninsured/underinsured motorist coverage of at least $50,000 per person / $100,000 per acc
MedPayMedical payments coverage of at least $2,000 per person is mandatory (Maine Bureau of Insu

Effective Current under 29-A M.R.S. §1605; a combined single limit of $125,000 can satisfy the liability requirement (Maine Bureau of Insurance). Source: Maine Bureau of Insurance - Insurance Required by Law · 29-A M.R.S. §1601 and §1605 (Required maintenance and proof of financial responsibility)

What happens if you drive without insurance in Maine?

Driving uninsured in Maine triggers real penalties: Driving without insurance is a traffic infraction carrying a fine (forfeiture) of not less than $100 and not more than $500 (29-A M.R.S. §1601(5)). Repeat offenses escalate quickly — the full ladder is below.

First offense: Driving without insurance is a traffic infraction carrying a fine (forfeiture) of not less than $100 and not more than $500 (29-A M.R.S. §1601(5)).

Repeat offenses: Each violation is subject to the same $100-$500 infraction fine, and producing evidence of insurance that is not in effect is itself a violation (29-A M.R.S. §1601(3-A)); continued violations lead to ongoing license and registration suspension.

License impact: Thirty days after an adjudication is reported, the Secretary of State suspends the driver's license and registration until proof of insurance or financial responsibility is provided (29-A M.R.S. §1601(6)). (source: Maine Revised Statutes, Title 29-A §1601 (Maine Legislature))

How does SR-22 filing work in Maine?

Maine uses the SR-22 certificate of financial responsibility. It's not a policy — it's proof your insurer files with the state, typically for 3 years.

Maine's Bureau of Motor Vehicles requires an SR-22 filing from an insurer licensed in Maine after OUI convictions, uninsured accidents, or other serious violations; the required period depends on the conviction and is commonly about three years, and the BMV suspends the license if the filing lapses (SR-26 notice) (Maine Criminal Defense Group).

Typically required after: OUI (operating under the influence) convictions, accident while uninsured, serious driving violations, license suspension reinstatement. Filing period: 3 years in most cases. Non-owner option: available — you can file without owning a car.

Need one filed? Our SR-22 service page explains the process; a licensed professional at (866) 370-6395 can usually file the same day.

Is Maine a no-fault state?

Maine is an at-fault (tort) state. The at-fault driver's liability coverage pays for the other side's damage.

Maine is an at-fault (tort) state with no PIP requirement; instead it mandates at least $2,000 per person in medical payments (MedPay) coverage.

How many Maine drivers are uninsured?

About 5.7% of Maine drivers were uninsured as of 2023 (Insurance Information Institute). That's the strongest argument for uninsured-motorist coverage — it protects you from the drivers the law didn't reach.

What local risks shape coverage choices in Maine?

Maine drivers face deer, winter exposure — all comprehensive-coverage questions, not liability ones.

What changed in Maine insurance law recently?

Maine updated its rules recently — sites citing old numbers will steer you wrong. Verified current as of July 2026.

What makes Maine different from other states?

Maine had the smallest estimated share of uninsured motorists of any state at 5.7% in 2023 (Insurance Research Council).

Maine also requires $500 per accident in coverage for towing and storage charges when a vehicle is towed at law enforcement's request, on policies issued or renewed on or after July 1, 2024 (29-A M.R.S. §1605-B; Maine Bureau of Insurance Bulletin 473).

A combined single limit policy of $125,000 satisfies Maine's split liability minimums (Maine Bureau of Insurance).

How does Maine enforce its insurance requirement?

Maine doesn't rely on the honor system: Thirty days after an adjudication is reported, the Secretary of State suspends the driver's license and registration until proof of insurance or financial…

License and registration consequences: Thirty days after an adjudication is reported, the Secretary of State suspends the driver's license and registration until proof of insurance or financial responsibility is provided (29-A M.R.S. §1601(6)).

How does driving differ across Maine's cities?

The law is identical statewide, but exposure isn't — commute lengths, household incomes, and car-free rates vary widely across Maine, and they shape which coverages earn their keep. Census data for the largest cities:
CityPopulationMedian income30+ min commuteNo-vehicle households
Portland68,854$79,54018.3%15.4%
Lewiston38,324$55,39328.4%17.2%
Bangor31,938$59,94211.9%14.8%
South Portland26,930$86,83813.4%7.8%
Augusta19,077$47,97917.8%13.6%

Source: US Census Bureau, ACS 5-year estimates.

What's it like to insure a car across Maine?

Local texture matters to coverage choices. Here's how driving actually feels region by region in Maine — written by people who checked.

Around Portland

Southern Maine driving means I-295 threading through Portland, the Turnpike carrying the long hauls, and Route 1 crawling through summer tourist traffic from Scarborough to Freeport. Winter is the coverage story: nor'easters, frost heaves that make spring roads a slalom, and snowbank-narrowed streets in Portland and Lewiston where on-street parking bans send everyone scrambling. North and west of Augusta, moose and deer are genuine highway hazards — the kind that make comprehensive coverage a Maine conversation, not a sales pitch. Salted roads and sand-chipped windshields add glass-coverage questions. Locals balancing an old winter car against a good one will find that agents here get it.

Maine beyond the metros

Northern and Downeast Maine driving is defined by distance, winter, and moose. Bangor is the hub where I-95 effectively hands off to two-lane US routes — Route 1 up the coast, Route 9 across the Airline to Calais, and I-95's lonely run north to Houlton. Moose collisions are the region's signature claim, catastrophic enough that comprehensive coverage is treated as essential rather than optional; deer fill in the dusk risk everywhere else. Winters bring ice storms, frost heaves that turn spring pavement into washboard, and long stretches with no cell signal, so towing and roadside coverage earn their keep. Logging trucks set the tempo on the Airline, and locals give them room. Snow tires are simply assumed.

How do you actually get covered in Maine?

One free call. CarInsureLine connects Maine drivers with licensed insurance professionals who quote real coverage for your record and vehicle — we never quote prices ourselves, and the referral costs nothing: (866) 370-6395.
City guides

Car insurance help across Maine

Portland

68,854 residents

Lewiston

38,324 residents

Bangor

31,938 residents

South Portland

26,930 residents

Augusta

19,077 residents

Sources

Every legal claim on this page traces to:

Laws change. We refresh state pages on a rolling schedule and date-stamp every change; verify with your state before acting.

📞 Call (866) 370-6395 — free, licensed help