Maine isn't in Insurify's current free data set, so this average is a representative estimate (not sourced). See
methodology.
The one thing that sets Maine apart
Cheapest state overall; high required limits but very low loss frequency.
Minimum vs. full coverage in Maine
What each coverage level costs on the Maine average — so you can see what "going minimum" really saves, and risks.
| Coverage level | Est. / year | Est. / month |
|---|
| Minimum | $420 | $35 |
| Liability Only | $630 | $52 |
| Full | $1,140 | $95 |
| Full Low Deductible | $1,390 | $116 |
Minimum coverage saves about $720/yr vs full — but caps protection at 50/100/25. One at-fault crash above those limits and the gap is yours.
Maine car insurance FAQ
- What's the minimum car insurance required in Maine?
- Maine's state minimum is 50/100/25 — $50k bodily injury per person, $100k per accident, $25k property damage. Minimum-only runs about $420/yr but leaves you exposed above those caps.
- How much is full coverage in Maine?
- Representative full coverage averages $1,140/yr (about $95/mo), ranking Maine #2 of 51 states for cost.
- Why is Maine car insurance priced the way it is?
- Cheapest state overall; high required limits but very low loss frequency.