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Maine Insurance Information

Maine is a state with diverse scenery, ranging from a rocky coastline to small mountains and even heavy forests. The state's first settlement was on Saint Croix Island by the Europeans in 1604. In 1607, the first English settlement arrived and was called Popham Colony, built by the Plymouth Company. There were many more English settlements that dotted the coastal regions in Maine shortly after this. During the war of 1812, the British fought for the Maine territory. In 1820, Maine was officially separated from Massachusetts as part of the Missouri Compromise and became a state. It was the 23rd to receive statehood in the USA. An interesting fact about Maine is that it is the only state that has a one-syllable name and is the only state bordered by no more than one state.

Today there are thousands of little towns and several large cities in Maine. The highways are well-kept and provide an excellent connection from one area to another. Every year, tourists come from all over the United States for driving tours to see the color-changing leaves in the fall. During this time, along with fog and sometimes snow, the driving conditions can be very hazardous. Having a good Maine car insurance policy is something that every Maine resident and family should enjoy. Every season has its natural hazards; snow and ice in the winter and rain with flooding in the spring and summer. Maine sees extensive storm damage. As every long-time resident knows, a powerful Nor'easter storm, as they are called, can take a toll on a vehicle.

It is important to always carry a good Maine auto insurance policy during the entire year. Whether by accident or nature, every vehicle is sure to see damage at some point. It is vital to have full coverage to absorb the shock of such an event. Paying out of pocket for any type of damage on a vehicle today is costly. In 2008, the average Maine auto insurance policy was less than $700 per year. Most out-of-pocket damage expenses will exceed that number by far. We would like to help you find the right insurance policy. Using the form on this page you have access to an instant free Maine auto insurance quote. Our website will help you compare rates of the top competitors and choose the best policy to suit your individual needs. Along with the free Maine car insurance quote, we provide you with all the helpful legal information your state has regarding insurance coverage.

Maine Population Data At-a-Glance

1,328,188 total population
42 average citizen age
95 males per 100 females
0 number of cities with > 100,000 residents
Portland largest city in the state

Vital Maine Insurance Facts

For your convenience, we have put together a thorough guide for Maine residents who are looking for relevant information about vehicle insurance in the state. Be in the know when it comes to ME policy regulations.

Average Annual Maine Insurance Premium Payment

$1,813

About $151.08/Month. Maine ranks as the 8th most expensive state for car insurance in the United States

Is This an At-Fault or No-Fault State?

No-Fault

State Minimum Coverage Requirement

50/100/25

Injury Liability Per Person / Injury Liability Per Accident / Property Damage
*Units in Thousands of Dollars

Estimated Uninsured Population (%)

4%

Or About 53,128 Uninsured Drivers in the State of Maine

ME Licensing Rules & Regulations

Do you know the renewal frequency of your driver license? Make sure you stay up-to-date when operating a vehicle in Maine. It is in your best interest to comply with licensing rules and restrictions to save time and money.

Learner's Permit

15 Years

Unrestricted License

16.5 Years

Renewal Frequency

6 Years

Safety Requirements, Handheld Devices in Maine

Wearing a seatbelt is not only a good idea, but the law in most states. When driving in Maine, be sure to keep both eyes on the road and resist the temptation to multitask. Countless citizens are injured or killed in unnecessary car accidents due to inattentive motorists.

Seatbelt Offenses

Primary

Motorcycle Helmets

17 and Under

Handhelds Banned?

No

Text-Messaging Banned?

Yes

Maine Impaired Driving Laws

Take a minute to review the DUI laws and penalties before operating a motor vehicle under the influence of drugs or alcohol. We are confident you will make wise decisions after seeing the harsh penalties that come from being caught driving while intoxicated.

Under 21 Limit

0.00%

Individual Limit

0.08%

Extreme Limit

0.15%

Financial Penalty Estimate

$400-$0

Minimum License Suspension

90 Days

Maximum Jail Sentence

2 Days

SR-22 Required?

Yes

Open Container Law

Both