Liability insurance is the minimum legal requirement in Maine — it covers damage you cause to other people and their property. The average cost is $32/month with 50/100/25 limits. It does not cover your own vehicle.
(888) 217-6781Liability insurance pays for the other driver's medical bills and car repairs when you're at fault. Maine requires minimum limits of 50/100/25, but most insurance experts recommend at least 50/100/50 — especially with 5% of Maine drivers being uninsured.
| Coverage | Monthly Cost | Annual Cost | What's Covered |
|---|---|---|---|
| Liability Only (50/100/25) | $32/mo | $380 | Other people's injuries & property |
| Full Coverage | $108/mo | $1,290 | Others + your own vehicle |
Switching from full coverage to liability-only saves $912/year in Maine — but your own car has zero protection.
| Insurance Company | 6-Month Premium | Monthly Cost |
|---|---|---|
| USAA ⭐ | $426 | $71/mo |
| GEICO | $492 | $82/mo |
| Progressive | $552 | $92/mo |
| State Farm | $606 | $101/mo |
| Allstate | $732 | $122/mo |
Rates based on 2026 data for a 35-year-old driver with good credit and clean record. Your rate will vary.
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