How much is car insurance in Maine?
In Maine, a full-coverage auto policy averaged $926 a year in 2023 (NAIC), 36% below the $1,439 national average (lowest in the US), or about $1,100 a year in Maine today (about $90 a month as of August 2026). For Maine drivers, the law asks for at least 50/100/25 liability, and liability-only coverage—the closest NAIC measure to a minimum policy—averaged $425 in 2023 (about $500 today).
Maine has the lowest full-coverage average in the US: $926 in 2023
Typical Maine full-coverage price today
about $1,100 a year in Maine (about $90 a month)
Maine's 2023 NAIC full-coverage average ($926) adjusted +18% to August 2026 using the US motor-vehicle insurance price index; your Maine rate depends on your car, driving history, and coverage limits.
In 2023 NAIC data, Maine was the least expensive of the 50 states and DC for full coverage ($926 vs $1,439 nationally), but ranked higher on liability alone (6th lowest in the US at $425) because liability makes up 46% of a full-coverage Maine bill. Across all insured vehicles in Maine (including policies without collision or comprehensive), NAIC's 2023 average expenditure was $856 (2nd lowest in the US, about $1,010 today)—only 8% ($70) below Maine's $926 full-coverage benchmark.
Maine costs less to insure than New Hampshire
Maine borders only New Hampshire ($1,032 in 2023): a typical Maine policy ($926) is 10% less than New Hampshire's, and moving the sample Camry from New Hampshire to Maine today is about $140 less a year.
| State | 2023 average | Moving to Maine from there |
|---|---|---|
| Maine | $926 | Current state (Maine) |
| New Hampshire | $1,032 | About $140 less a year |
| US average | $1,439 | US benchmark |
States with similar 2023 full-coverage averages: Vermont ($958 in 2023, about $1,140 today), North Dakota ($961 in 2023, about $1,140 today), Idaho ($981 in 2023, about $1,160 today), and Hawaii ($998 in 2023, about $1,180 today).
Maine: 50/100/25 minimums, with mandatory uninsured-motorist coverage
- Maine liability (per person / per crash / property)
- $50,000 / $100,000 / $25,000
- Personal injury protection (PIP) in Maine
- Not required
- Medical payments in Maine
- Required
- No-fault system in Maine
- No
- Uninsured motorist in Maine
- Required
- Underinsured motorist in Maine
- Required
Set by 29-A M.R.S. §1605(1)(C), Maine's 50/100/25 minimum pays up to $50,000 per person and $100,000 per crash for injuries you cause to others, plus $25,000 for others' property—the legal floor in Maine, not a coverage recommendation, and it excludes collision or comprehensive repairs on your own car.
Liability-only coverage in Maine—the closest NAIC figure to what a Maine minimum policy costs—averaged $425 in 2023 (about $500 in Maine today), the 6th lowest of the 50 states and DC. That makes liability 46% of Maine's full-coverage average ($926), while the remaining 54% goes toward collision and comprehensive coverage for your own car.
Maine requires at least $50,000 per person and $100,000 per crash for injuries, plus $25,000 for property damage. Every policy must also include at least $2,000 of medical payments coverage and uninsured/underinsured motorist coverage. That coverage matches your liability limits unless you sign a form choosing less.
Good to know: The medical payments requirement doesn't apply to policies covering more than four vehicles or to garage policies. Maine also requires $500 of towing coverage, which the table doesn't show.
- Uninsured and underinsured motorist
- Maine's "uninsured vehicle coverage" covers both uninsured and underinsured drivers and can't be dropped. On a personal policy it matches your injury liability limits unless you sign the state's form choosing less, and it can never be below $50,000/$100,000.
- History and recent checks
- The current figures appear in 29-A M.R.S. §1605 as shown on the Revisor's site (data extracted Oct. 2025). We found no 2024-2026 change.
- Checked
- September 22, 2026
- Sources
- 29-A M.R.S. §1605(1)(C)
For damage to property, $25,000; For injury to or death of any one person, $50,000; For one accident ... $100,000; For medical payments pursuant to section 1605-A, $2,000
- 29-A M.R.S. §1601
An operator or owner of a vehicle registered in this State ... shall maintain the amounts of motor vehicle financial responsibility specified in section 1605.
- 29-A M.R.S. §1605-A
must provide coverage in an amount equal to or greater than $2,000 per person for medical costs
- 24-A M.R.S. §2902
may not be delivered ... unless coverage is provided ... uninsured, underinsured or hit-and-run motor vehicles ... may not be less than the amount of coverage for liability for bodily injury ... unless the purchaser expressly rejects such an amount
- 29-A M.R.S. §1605(1)(C)
Adding a 16-year-old driver in Maine: about $720 more a year
Adding a 16-year-old to a Maine policy
about $720 more a year
About $60 a month (+66% over a typical Maine adult policy of $1,100), bringing the combined Maine family policy to roughly $1,350–$2,400 a year.
On a separate Maine policy of their own with the same car, a 16-year-old in Maine would pay about $3,150 a year (roughly $2,400–$4,500), so sharing a parent's Maine policy saves about $2,420 a year.
Our teen-driver multipliers come from California's published age-rating filings scaled to Maine's baseline. How adding a teen driver works.
Cheapest cars to add a teen with in Maine
In Maine, the 2022 Subaru Forester, Outback, and Crosstrek come out the same, the least of the 33 cars on the site's popular lists to add a teen with: about $650 more a year on a Maine policy, versus about $1,090 more a year for the 2022 Tesla Model 3 at the top of Maine's list.
| 2022 model | Added to a Maine policy | Own Maine policy |
|---|---|---|
| 2022 Subaru Forester | +$650 in Maine | $2,810 in Maine |
| 2022 Subaru Outback | +$650 in Maine | $2,820 in Maine |
| 2022 Subaru Crosstrek | +$650 in Maine | $2,830 in Maine |
| 2022 Honda CR-V | +$700 in Maine | $3,020 in Maine |
| 2022 Toyota RAV4 | +$710 in Maine | $3,070 in Maine |
The order is the same in every state, because our car data is national. What changes from state to state is the price level. See all 33 teen cars and how we rank them.
What popular cars cost to insure in Maine
In Maine, a 45-year-old with full coverage pays from about $1,220 a year for a 2024 Toyota Corolla Cross to about $1,790 for a 2024 Tesla Model 3 on these Maine sample models.
| Car | 45-year-old in Maine | Adding a teen in Maine |
|---|---|---|
| 2024 Tesla Model 3 | about $1,790 a year | +$1,190 a year |
| 2024 Hyundai Ioniq 5 | about $1,260 a year | +$830 a year |
| 2024 Toyota Corolla Cross | about $1,220 a year | +$810 a year |
| 2024 Nissan Altima | about $1,470 a year | +$970 a year |
| 2024 Nissan Versa | about $1,420 a year | +$930 a year |
| 2024 Nissan Kicks | about $1,300 a year | +$850 a year |
| 2024 Kia K5 | about $1,460 a year | +$970 a year |
| 2024 Hyundai Sonata | about $1,390 a year | +$920 a year |
See all 121 popular cars, SUVs, pickups, and EVs.
Common questions about car insurance in Maine
- How much is car insurance in Maine?
- In Maine, full-coverage car insurance averaged $926 a year in 2023 (the least expensive of the 50 states and DC per NAIC), or about $1,100 a year ($90 a month) in Maine as of August 2026. Maine liability-only coverage averaged $425 in 2023 (46% of Maine's full-coverage figure, or about $500 today), and Maine drivers spent $856 per insured car across all policies.
- What are the minimum car insurance limits in Maine?
- Under 29-A M.R.S. §1605(1)(C), Maine requires 50/100/25 liability: $50,000 per person and $100,000 per crash for bodily injury, plus $25,000 for property damage. The current figures appear in 29-A M.R.S. §1605 as shown on the Revisor's site (data extracted Oct. 2025). We found no 2024-2026 change.
- How much does adding a 16-year-old teen driver cost in Maine?
- Adding a 16-year-old to a parent's full-coverage policy in Maine adds about $720 more a year ($60 a month), bringing the Maine household policy to roughly $1,350–$2,400 a year versus about $3,150 a year (roughly $2,400–$4,500) on a standalone Maine teen policy.
- Is Maine a no-fault car insurance state?
- No—Maine is a fault-based (tort) state where the at-fault driver's insurer pays for crash damages, and Maine does not require personal injury protection (PIP). For uninsured/underinsured motorist coverage in Maine: Maine's "uninsured vehicle coverage" covers both uninsured and underinsured drivers and can't be dropped. On a personal policy it matches your injury liability limits unless you sign the state's form choosing less, and it can never be below $50,000/$100,000.
- How does Maine's car insurance cost compare with New Hampshire?
- Maine averaged $926 for full coverage in 2023 (NAIC) against $1,032 in New Hampshire (10% less than New Hampshire), and moving a sample policy from New Hampshire to Maine today is about $140 less a year.
Sources for Maine
- Maine average premiums ($926 full coverage, $425 liability-only, $856 average expenditure): National Association of Insurance Commissioners (NAIC), 2022/2023 Auto Insurance Database Report (2023 data, trended to today with the BLS CPI motor-vehicle insurance series).
- Maine minimum coverage statutes (29-A M.R.S. §1605(1)(C); 29-A M.R.S. §1601; 29-A M.R.S. §1605-A; 24-A M.R.S. §2902), checked September 22, 2026. Page updated for Maine. See methodology and all sources.
This is an estimate to help you plan, not a quote. We don't sell insurance, and nothing you type is sent to us. Only an insurer can give you a real price.