Maine law requires every driver to carry minimum liability insurance of 50/100/25 (bodily injury per person / per accident / property damage). The average cost for minimum coverage in Maine is $32/month. But is the minimum enough? Here's what you need to know.
(888) 217-6781This means Maine will pay up to $50,000 for one person's injuries, $100,000 total for all injuries in an accident, and $25,000 for property damage you cause. You pay anything beyond those limits out of pocket.
| Coverage Level | Annual Cost | Monthly Cost | What's Covered |
|---|---|---|---|
| Minimum Liability (50/100/25) | $380 | $32/mo | Other people's injuries & property only |
| Full Coverage (100/300/50) | $1,290 | $108/mo | Everything — including your own vehicle |
Full coverage adds comprehensive (theft, weather, animals) and collision (accidents) to protect your own vehicle. If you have a car loan or lease, your lender requires full coverage.
| 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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