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Maine Automobile Insurance Requirements

In Maine it is required by state law that you maintain a minimum bodily injury liability limit of $50,000 per person, $100,000 per accident, and $25,000 property damage limit. This coverage is referred to as 50/100/25 coverage with 50/100 UM limits.

Maine Insurance Coverage Limit Minimums:
Bodily Injury Liability $50,000/$100,000 - Property Damage Liability $25,000
Medical Payments $1,000
Uninsured/Underinsured Bodily Injury $50,000/$100,000

Maine follows a Tort insurance system which means someone is always found at fault for causing an accident, that individual and their insurer is responsible to pay for all damages. Each individual state tort system may vary.

Medical Payments (MP) pays for funeral and medical expenses for anyone injured or killed in an accident while riding in or driving your vehcile. Maine law requires a minimum Medical Payment coverage of $1,000. You are also required to have Uninsured/Underinsured Motorist coverage of $50,000 per person up to $100,000 per accident for bodily injury caused by the uninsured and/or underinsured driver.

When you get a quote with, our coverage page will give you the option to choose coverages to fit you particular needs, you can customize every limit and deductible. If you are unsure of which particular limits to choose, you always have the option to make changes before you purchase.

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