Chris Tepedino is a feature writer that has written extensively about auto insurance for numerous websites. He has a college degree in communication from the University of Tennessee and has experience reporting, researching investigative pieces, and crafting detailed, data-driven features. His works have been featured on CB Blog Nation, Flow Words, Healing Law, WIBW Kansas, and Cinncinati....

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Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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Reviewed by Jeffrey Johnson
Insurance Lawyer Jeffrey Johnson

UPDATED: Jun 7, 2021

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Miles of Roadway22,911
Vehicles Registered in Maine1,043,337
Maine Population1,338,404
Most Popular Vehicle in MaineSilverado 1500
Uninsured / Underinsured Percentage and Rank4.5 % / Rank 51
Total Driving Related DeathsSpeeding Fatalities: 42
DUI Fatalities: 42
Average Annual PremiumsLiability: $334
Collision: $249
Comprehensive: $97
Full: $680
Cheapest Car Insurance Companies (Providers/Insurers)USAA. GEICO
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Maine is the northernmost state in the U.S and borders the Canadian provinces of Quebec and New Brunswick. The frigid winters and mild summers are some of the many factors that residents encounter in the state. Maine is 38th in population density and one of the most rural states in the U.S. The biggest metropolitan counties in Maine are Androscoggin, Cumberland, and Penobscot Counties.

But what about car insurance in Maine? Is it higher than the national average? This extensive guide will explain car insurance rates and the best companies in Maine. In addition to car insurance details, the information here will guide you to essential information needed to be an effective driver.

After reading this guide, you’ll be aware of car insurance coverage and rates, knowledgeable about the top car insurance companies, essential Maine driving laws, and what it’s like to drive in Maine.

For a quick look at car insurance rates in your area, enter your ZIP code in the Free Quote box above for instant results. To get more detailed information, continue through this guide.

Table of Contents

Maine Car Insurance Coverage and Rates

Based on our in-house data, the State of Maine has some of the cheapest car insurance rates in the U.S. Car insurance companies in the state offer the same services as many other states but at a much cheaper rate than states like New York and Connecticut.

How come?

First, we have to consider the population size of the state. Maine’s total population is seven million less than the population of New York City. Therefore, it’s less of a risk for drivers in Maine.

In this section, we’ll introduce Maine’s car culture, the minimum coverage needed to be insured in the state, forms of financial responsibility, and premiums as a percentage of income.

Maine’s Car Culture

Maine’s car culture isn’t rich in fuel, but the origin of Maine’s car culture is steam. Kingfield twins, Francis E. and Freelan O. Stanley created steam-powered cars, establishing the Stanley Motor Carriage Company, which lasted from 1902 to 1924. Freelan and his wife were the first to drive up to New Hampshire’s North Washington. In recent years, Maine has been involved with the development of snowmobiles.

Maine Minimum Coverage

The minimum requirements for car insurance coverage in Maine is $50,000 for bodily injury of one person per accident, $100,000 for bodily injury of more than one person per accident, and $25,000 for property damage per accident. These minimum requirements can be listed as rules. In this case, Maine’s minimum requirement for insurance rule may be called a 50/100/25 rule.

Additional liabilities are required, so Maine motorists are likely to have uninsured motorist coverage and medical payments coverage. Uninsured (underinsured is likely included) is $50,000 per person and $100,000 per accident, while medical payments are $2,000 per person.

Forms of Financial Responsibility

Any documentation, electronic or physical paper copies, that shows you are insured and registered in the state can be forms of financial responsibility. If you own a vehicle, these are the essentials you must carry within a motor vehicle in case you’re in an accident or pulled over by law enforcement.

A form of financial responsibility is an insurance card, policyholder statement from the car insurance provider, driver’s license, and vehicle registration.

Forms of financial responsibility are the reassurance that you’re covered financially. Many states accept electronic forms of financial responsibility but have physical copies of financial responsibility just in case.

Premiums as a Percentage of Income

Have you ever wondered how much money car insurance companies take from your income per year? Premiums, or rates, take a percentage of your income per year. Is it a significant amount? That answer is based on your income. The data table below shows how car insurance rates affect annual income.

StatesFull Coverage
Income 2014
Insurance as %
of Income 2014
Full Coverage
Income 2013
Insurance as %
of Income 2013
Full Coverage
Income 2012
Insurance as %
of Income 2012
National Average$981.77$40,859.002.40%$950.92$39,192.002.43%$924.45$39,473.002.34%
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We compared Maine’s three-year trend averages to other states in the region and the national average. As mentioned before, we see Maine as the cheapest out of all other states. Maine’s motorists barely pay two percent of their income for car insurance.

How does one determine car insurance as a percentage of income? To find the percentage of income affected by car insurance premiums, you will need to divide your annual car insurance rate into your average annual income. In this regard, we’ll use Data USA’s information, which states the average household income in Maine is $56,277. Since full coverage is $689, we’ll divide the full coverage into the household income of $56,277 (i.e., 689 / 56,277). The solution will be .012243.

The decimal number is the percent. Simply move the decimal point over two places, and you’ll get 1.22 percent. So, the premium as a percentage of household income in Maine is 1.22 percent.

Core Coverage

There are three coverage options listed in car insurance. These are known as liability, collision, and comprehensive coverages, which are options that essentially make up your car insurance policy. In Maine, the average core coverage rates are cheaper than most states. Full coverage is all three coverages combined.

Annual premiums for full coverage car insurance is $680, which is a monthly premium of $57 per month.

Let’s take a look at other available coverage options.

Maine Core CoverageAverage Annual Premium Cost
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Comprehensive car insurance is the cheapest coverage. This coverage type pays for damages from falling objects, weather, vehicle theft, and other accidents out of your control.

Collision coverage is the second cheapest and pays for additional property damage and medical payments. So, any coverage that isn’t covered by liability insurance will be supplemented through collision coverage. This coverage can benefit both parties involved in the accident.

Finally, liability car insurance is the bare minimum required to drive on the roadways. The minimum requirements cover the cost of most of the injuries and property damage that’s occurred (or allocated) in an accident.

Additional Liability

Additional liabilities such as medical payments (MedPay), personal injury protection (PIP), uninsured/underinsured motorist (UIM/UUM), are coverages that cover situations not specified in car insurance policies. One way to see how car insurance performs with additional liabilities is to review the coverages’ loss ratios.

The loss ratio is the number of claims being paid out and the money an insurance company earns.

MedPay covers for the medical or funeral expenses of covered drivers and passengers after an accident, regardless of who’s at fault, while PIP covers medical expenses regardless of who’s at fault but includes lost wages and pain and suffering.

UIM/UUM coverage is coverage that pays for your expenses if you’re in a car accident caused by someone without car insurance, someone who is underinsured, or if you’re in a car accident with a hit-and-run motorist.

Let’s review each of these coverages and see how loss ratio affects each additional liability in Maine.

Additional Liabilities2015 Loss Ratio2014 Loss Ratio2013 Loss Ratio
Medical Payments (MedPay)76.4774.4577.67
Personal Injury Protection (PIP)---
Uninsured / Underinsured Motorist (UIM / UUM)43.4755.1155.11
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Percentages close to 100 show that the majority of car insurance companies paid their claims and earned money along the way.

For example, the loss ratio for UIM / UUM in 2014 was 55.11 percent. For every $100 that a car insurance company earned, they paid out $55 to claims. Low loss ratios reflect insurance companies’ inability to pay out claims, and loss ratios exceeding 100 show that a car insurance company isn’t earning money at all.

Add-ons, Endorsements, and Riders

You can also think about buying add-ons or riders that cover your damages in specific situations – such as roadside emergencies or mechanical breakdowns. You never know what you might face on the road, so try assessing these options before buying a policy.

For instance, what happens if you crash your rental car? What part of the policy covers that? Do take a look at the different options below for your coverage.

  • Guaranteed Auto Protection (GAP)
  • Personal Umbrella Policy (PUP)
  • Rental Reimbursement
  • Emergency Roadside Assistance
  • Mechanical Breakdown Insurance
  • Non-Owner Car Insurance
  • Modified Car Insurance Coverage
  • Classic Car Insurance
  • Pay-As-You-Drive or Usage-Based Insurance

Male vs. Female Rates

Did you know that car insurance can be determined based on age, gender, and marital status? Motorists can pay more or less if they are married or single and male or female. Let’s examine the rates based on these factors.

CompanySingle 17-Year Old FemaleSingle 17-Year Old MaleSingle 25-Year Old FemaleSingle 25-Year Old MaleMarried 35-Year Old FemaleMarried 35-Year Old MaleMarried 60-Year Old FemaleMarried 60-Year Old Male
Bristol West Select$5,376.87$5,969.29$2,002.79$2,075.88$1,705.76$1,722.32$1,596.13$1,716.53
Liberty Mutual$6,336.04$9,480.14$2,984.27$4,201.37$2,984.27$2,984.27$2,841.84$2,841.84
State Farm$4,189.75$5,224.15$1,465.85$1,605.41$1,313.61$1,313.61$1,238.91$1,238.91
Travelers Home$4,689.11$6,340.02$1,157.44$1,336.27$1,165.23$1,207.33$1,055.86$1,080.39
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Older and married female motorists pay significantly lower premiums per year. The most expensive rates available were for young and single drivers, especially motorists between 17 and 25 years old.

The cheapest company is USAA. Be advised that USAA is only available for military members and their immediate families.

Cheapest Rates by ZIP Code

Where you live is also a factor in determining car insurance. ZIP Codes are locations in the city in which you live but serve as identifiers when issuing a policy.

Using a ZIP code that’s different than your current address to obtain cheaper insurance is fraud.

When you’re shopping for your policy, use your current home address. If you’re a student, use your last permanent home address or your current permanent address.

For now, let’s continue with examining annual premiums based on ZIP codes. Let’s start with examining the cheapest ZIP codes in Maine.

25 Cheapest Zip Codes in MaineAverage Annual Rate
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The cheapest ZIP code in Maine is “04742,” which is Fort Fairfield, ME, and Limestone Maine. The average annual rate is roughly $2,404. That’s about $200 per month.

Now, let’s look at the most expensive ZIP codes in Maine.

25 Most Expensive Zip Codes in MaineAverage Annual Rate
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The ZIP code “04684” had the most expensive annual premium. This ZIP code covers Surry, ME, and Mount Desert, ME. The average annual rate for “04684” is $2,786, which is $232 per month.

Cheapest Rates by City

Let’s make our search less specific and explore cities with the highest and lowest annual premiums. First, let’s look at Maine’s top 25 cheapest cities.

25 Cheapest Cities in MaineAnnual Average
Clayton Lake$2,442.42
Estcourt Station$2,413.66
Fort Fairfield$2,403.90
Mars Hill$2,409.12
New Limerick$2,418.61
Presque Isle$2,410.18
Smyrna Mills$2,439.76
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Fort Fairfield, Mapleton, Portage, Blaine, and Mars Hill are the top five cheapest rates in Maine.

What Maine’s most expensive cities. Let’s take another look at average annual rates, but let’s examine Maine’s top 25 most expensive cities.

25 Most Expensive Cities in MaineAnnual Average
Blue Hill$2,769.32
East Blue Hill$2,759.66
Grand Lake Stream$2,781.85
Hulls Cove$2,753.11
Isle Of Springs$2,766.13
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Surry, Danville, and Auburn, ME, are the most expensive. Their average annual rates are nearly $3,000, which is higher the state average.

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Best Car Insurance Companies in Maine

What are the best car insurance companies? That answer is solely up to you. Although we’re here to inform you on car insurance premiums, services, and agency ratings, we remain objective in providing information. Perhaps, the cheapest rating isn’t in your best interest, or perhaps you require the minimum for your insurance.

This section will cover car insurance ratings and factors that can determine car insurance premiums per year.

The Largest Companies Financial Rating

There are several ways to show the size of a car insurance company. One of them is through financial ratings or financial strength. The Insurance Information Institute lists five agencies that rate the financial strength of some of the best companies in the U.S. Each company has its rating system. Sometimes, their rating disagrees, but they often align in their evaluation of companies in the U.S.

The data table here shows ratings from A.M. Best, a rating agency that grades each major insurance company on their financial strength. Let’s look at their results.

CompanyA.M. Best RatingDirect Premiums WrittenMarket ShareLoss Ratio
Liberty MutualA$424,1064.85%61.06%
State FarmA++$1,779,91520.35%63.70%
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Under “Direct Premiums Written,” Erie and State Farm had the most, totaling over a million dollars. Due to their financial performance, they had the largest market share as well. Farmers, GEICO, and USAA had the largest loss ratio.

Market share is the percentage of a particular industry.

“Direct premiums written” represents the growth of a car insurance company’s, or any other insurance, business during a given period.

It includes policies written by the car insurance company and policies written by its affiliated companies.

Overall, all the companies here have an excellent rating from A.M. Best.

Companies with Best Ratings

Another way to show the strength of an insurance company is through consumer satisfaction results. J.D. Power reports overall consumer or customer satisfaction results through their annual press release. Rather than covering each state, J.D. Power covers each region of the U.S. For Maine, that region would be the New England region of the U.S.

The rating results from J.D. Power are measured on a 1,000-point scale. Circle ratings are like the summarized ratings from their surveys.

CompanyJ.D. Power Points (based on a 1,000-point scale)J.D. Power Circle Ratings
Amica Mutual8795
Liberty Mutual8093
MAPFRE Insurance8113
New England Region8213
Plymouth Rock Assurance8042
Safety Insurance8133
State Farm8384
The Hanover7952
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Amica Mutual and USAA had the highest points in J.D. Power’s press release. The lowest scored insurance company was The Hanover and Safeco. Overall, the New England Region had a fair customer satisfaction report with 821 points and three circle ratings from J.D. Power.

Companies with Most Complaints in Maine

Complaints can turn potential customers away. Without complaints, however, a company may be vulnerable to mistakes. How so? If there’s something wrong with a policy, or if something isn’t filed properly in terms of car insurance, a customer should file a complaint.

When complaints are ignored and remain unresolved, you could pay more for insurance, lose your insurance policy, or never receive a claim.

If something is wrong, a policyholder should do their due diligence and make your concerns known.

Too many complaints may be that you may want to monitor your policy with the car insurance closely. The judgment call is up to you as the potential policyholder.

Here is some data regarding complaints of some of the biggest car insurance companies in the U.S.

CompanyComplaintsComplaint Ratio
Amica Mutual30.015
Liberty Mutual290.018
Safeway Insurance130.011
State Farm830.009
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GEICO, Progressive, and State Farm had the most complaints. GEICO’s complaint ratio is the highest out of all the companies in the data. Nationwide, known for its higher than average annual rate, had the lowest complaints.

Cheapest Companies in Maine

We talked about how core coverage is $680 per year in Maine. When establishing your policy with a company, you’re likely to pay more. That’s because different factors determine how much you’ll pay for car insurance premiums. Those factors could be annual commute mileage, coverage level, credit history, or driving record.

When all factors are estimated, the total state average is $2,610. Let’s see what happens when we compare Maine’s average with all the major companies in the state.

CompanyAverage Annual RateCompared to State AverageCompared to State Average %
Bristol West$2,770.70$161.015.81%
Liberty Mutual$4,331.75$1,722.0739.75%
State Farm$2,198.78-$410.91-18.69%
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Remember, the Maine state average is an estimate when we consider commute, level of coverage, credit, and driving record.

GEICO and USAA policyholders pay $1,000 less than the state average while Liberty Mutual and Progressive customers pay over $1,000 more for car insurance.

Commute Rates by Companies

Now that we’ve mentioned the factors, let’s explore them more. Car insurance companies may issue car insurance rates based on the number of miles you drive during the year. They estimate these rates through two categories: 6,000 annual mileage and 12,000 annual mileage.

Some car insurance companies don’t charge more on premiums regardless of the miles you drive per year. Let’s look at the companies that do and the companies that don’t.

Company10 miles commute. 6000 annual mileage.25 miles commute. 12000 annual mileage.
Liberty Mutual$4,242.69$4,420.82
State Farm$2,126.96$2,270.59
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Allstate, Farmers, Progressive, and Travelers issue the same annual rate regardless of how much you drive your vehicle. GEICO, Liberty Mutual, State Farm, and USAA issue different amounts. GEICO State Farm, Travelers, and USAA are the only companies with annual rates that lower than Maine’s average annual rate.

Coverage Level Rates by Companies

Coverage levels are a bit more detailed. In Maine, the core coverage for full coverage car insurance is $680, but that’s only the lowest coverage level available. What if you want a coverage level that’s higher than the minimum requirements?

The state minimum is considered a low coverage level, but it’s efficient for most policies in Maine. Medium and high coverage levels cost more per year, but they cover more. The rule for medium coverage levels in Maine is 50/100/50, while high coverage levels are the 100/300/100 rule.

Medium and high coverages will cover accidents that exceed the minimum required limits. This is helpful just in case the total cost of property damage and injuries exceed the minimum requirements.

Liberty Mutual$4,280.23$4,280.23$4,434.80
State Farm$2,143.52$2,176.08$2,276.74
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The distance between the annual costs is not far off. It’s more beneficial to go with medium or high coverage if the annual premiums from low coverage are a few dollars less. The most expensive companies are Liberty Mutal and Progressive.

Credit History Rates by Companies

Your credit score can determine how much you pay for car insurance. Annual rates determined by credit score have a higher percentage to be more expensive. The better your credit score, the less you’ll pay annually.

Liberty Mutual$6,031.00$3,907.95$3,056.31
State Farm$3,202.36$1,912.93$1,481.04
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Liberty Mutual’s poor credit value is $3,400 more than the Maine state average, which is the most expensive car insurance rate in the table. Liberty Mutual and Progressive are the only two companies that issue higher than average car insurance premiums, even if you have good credit. GEICO, State Farm, and USAA have the cheapest annual rates across credit history values.

Driving Record Rates by Companies

A motorist’s driving performance can determine how much you’ll pay for car insurance, also. It’s important to keep a clean driving record. It makes it easier for you to register a motor vehicle, and it ultimately saves you money. Car insurance companies consider your driving record.

The more violations you have, the higher the risk for you to be insured. Therefore, car insurance companies will assess your record and determine your driving record.

Here are some annual averages you can expect with various driving records.

CompanyClean RecordOne Speeding ViolationOne AccidentOne DUI Conviction
Liberty Mutual$3,344.21$3,633.30$3,922.40$6,427.11
State Farm$1,995.95$2,198.77$2,401.62$2,198.77
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Some companies show some leniency if you have a speeding violation on your record, which is shown when you compare clean record rates to speeding violation rates. For example, GEICO issues the same rate for a clean record and one speeding violation. Also, USAA issues a $101 to motorists who have one speeding violation.

Accidents and DUI violations can increase your annual rates pass the Maine state average. Allstate, Farmers, Liberty Mutual, and Progressive are some of those companies that issue higher than average rates, especially if a motorist has an accident or is convicted of DUI.

Largest Car Insurance Companies in Maine

When we talked about the largest car insurance companies and their financial strength, we covered it with a broad stroke. How did these companies perform in Maine? Let’s look at the largest car insurance companies in a narrowed scope.

Company Group/group/code Company NameRankDirect Premiums WrittenLoss RatioMarket Share
State Farm1$104,78459.92%14.27%
Liberty Mutual4$65,40856.93%8.91%
The Hanover10$24,09853.19%3.28%
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Progressive and State Farm had the largest direct premiums written and market share in Maine, but the company with most loss ratio was GEICO and USAA.

Number of Insurers in Maine

Insurers are another name for car insurance companies. Each state has two types of insurers, which are domestic and foreign.

Domestic insurers are car insurance companies that follow the rule of car insurance law in the home state. In this case, that would be Maine. Foreign insurers are car insurance companies that follow the rule of the car insurance law of another state.

Type of Insurers# of Insurers
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Maine has a total of 705 insurers in the state.

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Maine Laws

It’s important to know some of the laws of the state. To know every law of the state is nearly impossible. We’ve summarized the laws you’ll need to be familiar with as a motorist in Maine. Some of those laws include how car insurance law is determined, windshield coverage, high-risk insurance, low-cost insurance, car insurance fraud, the statute of limitations, and specific laws of Maine.

Car Insurance Laws

In respects to the guide, let’s begin with car insurance laws. Bookmark this section to explore the details whenever you need them continuously.

How Maine Laws for Insurance are Determined

The National Association of Insurance Commissioners (NAIC) reported that Maine is a File-and-Use state.

File-and-use laws refer to insurance regulations that allow insurance companies to use new rates it has formulated before receiving approval from the state governments in the US.

This means car insurance companies can issue increases to annual rates before the rates are approved by insurance regulatory authorities. If car insurance companies cannot justify or prove why the rates should increase, insurance regulatory authorities will cancel the increases.

Therefore, if a company’s annual rate increases but the company can’t justify why they increased annual policies for its customers, the increase will be denied.

Windshield Coverage

Windshields can be covered under comprehensive coverage. Some states require car insurance companies have a zero deductible for windshield coverage.

Car insurance companies in Maine aren’t subject by law to give zero deductibles for windshield coverage.

Windshields can be replaced with aftermarket parts and used parts. Aftermarket, or non-OEM parts, must be of like quality.

High-Risk Insurance

Driving records with excessive motor vehicle violations and car accidents could make a motorist a high-risk driver. High-risk drivers may have a hard time finding car insurance. Some car insurance companies may deny you a car insurance policy if they find that you’re too risky. If you can’t find car insurance through the voluntary market, a motorist must enroll in high-risk insurance.

In Maine, the high-risk insurance plan is known as the Maine Auto Insurance Plan (MEAIP). To be eligible to enroll in MEAIP, you must attempt to find car insurance. If you can’t find car insurance in the voluntary market after 60 days, go to your local DMV in Maine and explain that you’re a high-risk driver, and you can’t find insurance. You’ll like to be under SR-22 or FR-44.

Once you file the necessary documents, MEAIP will assign you to a car insurance company.

Due to the high-risk or SR-22 status, you’ll pay higher than average rates.

MEAIP will last at least three years. After three years, you can try the voluntary market again. If car insurance companies still consider you as a high-risk, you’ll have to repeat the process over again.

Low-Cost Insurance

The lowest cost for insurance in Maine is the core coverage insurance. Unfortunately, there aren’t any additional insurance companies that are cheaper than core coverage insurance. Also, there isn’t a state-sponsored insurance company in Maine. Consult each insurance company when shop to see if there are discounts for low-income policyholders.

Automobile Insurance Fraud in Maine

All fraud is a crime in the U.S. Some cases of fraud come with fines, and some come with prison sentences. Car insurance laws against fraud are complicated, but car insurance companies are prepared in case fraud is attempted by an at-fault or no-fault party. By law, car insurance companies must have programs that exercise fraud prevention.

In addition to fraud prevention programs, car insurance has immunity statutes that say, “insurance companies can report information without fear of criminal or civil prosecution.” All states in the U.S. are under this statute.

Policyholders can report fraud as well. If you suspect that you’re being frauded by a no-fault driver, send file a complaint with Maine’s governing insurance department. Here is their contact information:

Bureau of Insurance
34 State House Station
Augusta, ME 04333
Phone: (207) 624-8475; Toll Free: 1 (800) 300-5000

Statute of Limitations

The statute of limitations is the time limit in which you can file a claim or pursue legal action against another party or car insurance.

The statute of limitations begins when the event happens, not when the event (like a car accident) is reported.

All claims and legal pursuits that involve personal injury or property damage have a statute of limitations of six years.

Specific Laws of Maine

This is the fun section of our guides. Every state has laws specific to them. Some of the laws unique to the state are fun to know. Here are a few specific to Maine.

Did you know it’s illegal to park your car in front of Dunkin’ Donuts in South Berwick, Maine?

It’s also illegal to play the violin on the streets of Augusta, Maine. No one is allowed to roller skate on the sidewalk in Biddeford, Maine. Maine has a statewide law that says residents who have Christmas decorations up after January 14th will be fined.

Vehicle Licensing Laws

As near your search to get your car(s) insured, be aware of the vehicle licensing laws. All motorists require a driver’s license and vehicle registration to be insured with any company. There are other laws you should be aware of as motorists in living in Maine. We’ll go through each law carefully.


The Department of Homeland Security is making REAL ID a requirement for U.S. citizens who want to fly domestically or enter a federal facility. By October 2020, a regular driver’s license will not be sufficient to use for flying within the U.S. or entering a federal building.

Maine is compliant with Homeland Security’s REAL ID enforcement. So how can a Maine resident obtain a REAL ID? We’ve provided a short video on how you can get obtain one.

Penalties for Driving Without Insurance

Driving without car insurance is risky. Not only do you risk getting into a car accident, but you also risk not being compensated for damages and risk getting any future driving privileges revoked.

The penalty for driving without insurance in Maine is up to six months in jail, a fine no less than $100 and no more than $500.

In addition to possible jail time and fines, a motorist will have their driver’s license and vehicle registration suspended or revoked.

Teen Driver Laws

Teen driver laws are extensive laws that ensure the safety of teen drivers through careful steps. Each state in the U.S. examines the teen’s driver training and restrictions until the teen old enough to drive own their own.

Because the process is so long, we’ve summarized the steps each teen needs to take to obtain their driver’s license.

In the learner stage, the minimum age for teens to get any driving privileges in Maine is 15 years old. Teen in the learner stage can receive a permit and must hold it for at least six months, drive 60 daylight hours and 10 nighttime hours. By 16 years old, teens will be entering the intermediate stage. They may drive their vehicle any during the day but are restricted from driving from midnight to 5 a. m. They cannot have unlicensed passengers. Nighttime restrictions last for nine months.

After the nine months are up, the 16-year-old can drive with the restrictions lifted. After this stage, they can try out for a full driver’s license. A road, eyes, and skills test must be completed and passed to receive a driver’s license.

Maine law requires a three-step graduated driver licensing system for new drivers who are under 18 years of age. Also, there are restrictions for drivers under 21 years of age. These laws are intended to allow Maine’s younger drivers to gain sufficient driving experience under low-risk conditions.

Older Driver License Renewal Procedures

Driver’s license renewal is essential for licensed drivers in the U.S. However, some individuals have to renew more frequent than others. For older drivers, they have to renew much sooner than the general population.

Drivers who are 65 years and older must renew their Maine driver’s license every four years. In addition to renewal, drivers 62 years and older must pass a vision test. Due to the vision test requirements, drivers 62 years and older are not permitted to renew their license online or by mail.

New Residents

If you’re seeking permanent residency in Maine, you’ll need a Maine driver’s license. To obtain a Maine driver’s license you will need to provide proof that you are a U.S. citizen.

You must provide proof of identity, so you’ll need items such as social security number, birth certificate, or out-of-state driver’s license. Once identity has been verified, you’ll need to complete a vision screening. If your legal name has been changed due to marriage, divorce or by court order, you’re required to show supporting documentation such as a marriage certificate, divorce decree, or other court documentation.

New drivers must submit an application form and pay the $35 fee. If the new driver is under 18 years old, they must submit documentation that they’ve completed a driver’s course.

The application can be submitted at your local Bureau of Motor Vehicles (BMV or DMV) branch or mailed to:

Bureau of Motor Vehicles
Driver License Services Division
Examination Section
29 State House Station
Augusta, ME 04333-0029

License Renewal Procedures

Unlike older drivers in Maine, residents under 62 years old can renew their license online and by mail. License renewal happens every six years. A vision screening is not required until a motorist is over 40 years old. After 40,  a vision screening is required for every other renewal.

Negligent Operator Treatment System (NOTS)

All states have some sort of negligent operator treatment system (NOTS). If you commit traffic or road violations, you could get demerit points on your driver’s license. Here’s a list of demerit points you can get on your license.

ViolationDemerit Points Assessed
Driving in the wrong direction6
Driving too slowly2
Driving while suspended8
Excessive acceleration4
Failure to maintain lane or control2
Failure to obey stop sign or light4
Failure to yield to pedestrian or vehicle4
Headlight or signal violation2
Improper passing or lane change6
Improper turn2
Imprudent driving or speed4
Leaving scene of accident involving property damage6
Minor in possession of drugs or alcohol6
No headlights or taillights2
Operating with obstructed view4
Operating without a license4
Speeding 15 to 30 miles per hour over limit6
Speeding less than 15 miles per hour over limit4
Traffic circle or railroad crossing violation2
Trucks following too closely2
Unlisted traffic violation2
Violation of license restrictions6
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Maine identifies reckless driving as “driving to endanger.”

The penalties of “driving to endanger” depend on how the law identifies it. The penalty for driving to endangers is standard “driving to endanger and aggravated “driving to endanger.”

Here are the penalties you can face upon conviction. Standard driving to endanger is a  class E crime. Convicted motorists can face up to six months in jail, a $1,000 in fines, and a license suspension of 30-180 days.

Aggravated driving to endanger is when an offender causes serious bodily injury to another person, which is a class C crime. The offender faces up to five years in jail, a maximum of $5,000 in fines, and a license suspension of 180 days to two years.

Rules of the Road

Before we move on to vehicle safety, let’s talk about some of the rules on Maine’s roadways. Most roadways laws are specific to each state, but some are similar to other states. We’ll start with whether Maine is a fault or no-fault state, then move onto seat belt laws, keep right laws, speed limit laws, ridesharing, and automation on the road.

Fault vs. No-Fault

Maine is an at-fault state, which means the at-fault party assumes all liability. In other words, the at-fault person who caused the car accident is responsible for all property damages and medical costs.

This is why being insured is so important. Car insurance coverage ensures that you are financially responsible and that you’re covered from out-of-pocket costs. Although your car insurance rates may increase, the person not at fault will be compensated.

To be sure that you’re covered whether you’re at-fault or not, enroll in a sufficient car insurance coverage to combat unsuspected costs.

Seat Belt and Car Seat Laws

Car seat belt law is universal. Wherever motor vehicles and roadways come together, seat belt laws are likely to follow. In Maine, seat belt law is straight forward, like most states in the U.S.

Seat belt law became effective on December 26, 1995, in Maine. By September 20, 2007, seat belt law became a primary offense, which means law enforcement can pull over a driver not wearing a seat belt. Anyone all licensed drivers and passengers must wear a seat belt. The penalty for not wearing a seat belt carries a fine of $50

Child seat laws are more extensive.

Children younger than 2 years old must be in a child safety seat. Also, children 2 years old and older and weigh less than 55 lbs must be in a child safety seat or a child restraint system. Children who are 8 years old and younger and weigh less than 80 lbs and are shorter than 57 inches must be in a booster seat.

Passengers who are 17 and younger and taller than 57 inches or weigh over 80 lbs must use a seat belt. Children who are 11 years old and younger and weigh less than 100 lbs must be in the rear passenger seat.

The fine for not seating children in the proper restraint carries a $50 for the first offense.

Keep Right and Move Over Laws

Maine roadway law dictates that drivers remain on the right to allow express traffic to pass. Left lanes are designed for passing or for commuters turning left.

The state law of Maine also requires drivers traveling in the same direction as an emergency vehicle or drivers approaching a stationary emergency vehicle displaying flashing lights to vacate to the closest available lane slowly and safely. Vehicles included are towing vehicles, utility vehicles, and law enforcement vehicles.

Speed Limits

Maine speed limits are similar to metropolitan area speed limits. This may be due to the miles of rural roadways in the state. Rural, urban, and other limited roads in Maine have a speed limit of 75 mph. Other roadways that don’t identify as high traffic roadways are 60 mph. Common residential speed limits are from 15 mph to 25 mph.


Ridesharing has been popular since the invention of the taxi and public transit. Recently, motorists around the world use their vehicles to transport commuters to their destinations. Services like Uber and Lyft have made it possible for the average motorist to use their vehicle as their taxi service.

Some motorists use their car insurance policy to insure their Uber or Lyft vehicles. There are special insurance options for ridesharing services. However, some companies don’t offer specialized insurances for ridesharing vehicles. GEICO and State Farm do.

Automation on the Road

Maine is one of the states that’s in the testing phase of automation on the road. They haven’t initiated it into law yet. While Maine is testing automation on the road, they require testers to insure these automated vehicles.

Here’s a short video of some automation on the road in Maine.

Safety Laws

The final point in this section is safety laws. These laws are designed to keep all motorists safe on the road. Law enforcement and state government have a zero-tolerance approach toward safety laws and almost always convicts motorists who violate safety law.

DUI Laws

Driving under the influence (DUI) is one of the strict laws in the U.S. Maine identifies DUIs as Operator Under the Influence (OUI). OUIs or DUIs injure and even kill many people per year. When law enforcement arrests someone who is driving drunk, they come down on that motorist hard. We’ve summarized OUI laws in this sub-section to give you a more visual view of what a motorist will face if they are convicted of OUI in Maine.

OffenseALS or RevocationImprisonmentFine
1st Offense150 days min w/ or w/o aggravating factorsnone; 48 hours minimum with aggravating factors$500 minimum
2nd Offense3 years minimum7 days minimum$700 minimum
3rd Offense6 years minimum30 days minimum$1,100 minimum
4th Offense8 years minimum6 months minimum$2,100 minimum
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The washout period for an OUI offense is 10 years, which means state courts forgive OUIs after a decade. Repeat offenders have stiffer sentences and higher fines. If a motorist has more than four OUIs, they could face felony OUI.

Marijuana-Impaired Driving Laws

Maine has no law regarding marijuana-impaired drivers because marijuana is legal in Maine. Not only is it legal, but it has been decriminalized entirely. Although it’s legal, motorists who indulge in marijuana should indulge responsibly. It’s in your best interest not to drive while under the influence of marijuana.

Distracted Driving Laws

Distracted driving or hands-free law has been advocated by people across the U.S. So many accidents have occurred due to distracted driving. Lawmakers have taken steps to curve these accidents and increase awareness for motorists.

Maine has outlawed texting while driving for all drivers. Any driver under the age of 18 is banned from using a cellphone while operating a motor vehicle. The hands-free law in Maine is a primary offense enforcement law, so if you’re caught using your phone while driving, there’s a chance that you’ll get a ticket.

Driving Safely in Maine

Part of driving safely in roadways is being informed of the possible dangers for motorists. Thefts and roadway fatalities are recorded each year. As much as law enforcement and other governing bodies try to reduce each, they do happen.

This section of the guide will go through some vehicle theft data and fatality data in the state of Maine. We’ll also feature some other data such as EMS response time and teen drinking and driving data.

Vehicle Theft in Maine

Although Maine is not densely populated like other states, it still encounters its share of vehicle thefts. Motorists can protect themselves from the financial perils of vehicle theft under comprehensive car insurance coverage. This will give a motorist extra padding when filing a police report and compensating for the possible total loss of a vehicle.

Let’s look at some vehicle theft data for Maine.

RankMake/ModelYear of VehicleThefts
1Chevrolet Pickup (Full Size)200129
2GMC Pickup (Full Size)199326
3Jeep Cherokee/Grand Cherokee200418
4Ford Pickup (Full Size)200415
5Toyota Corolla200913
5Toyota Camry199613
7Honda Civic200911
8Chevrolet Impala20008
9Ford Focus20018
10Chevrolet Cobalt20057
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These are the top 10 vehicles stolen in Maine. Vehicle thieves stole more cars made by Chevrolet than any other brand.

When we look at vehicle theft in a much broader view, we’ll see these numbers increase. Let’s review the vehicle theft by city.

City in MaineMotor
Bar Harbor6
Boothbay Harbor0
Cape Elizabeth1
Carrabassett Valley4
East Millinocket0
Fort Fairfield0
Fort Kent2
Livermore Falls2
Mechanic Falls4
North Berwick2
Old Orchard Beach7
Old Town1
Presque Isle4
South Berwick1
South Portland19
Southwest Harbor0
Van Buren1
Winter Harbor0
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The top three cities with the most thefts are Portland, Lewiston, and Bangor, Maine. Twenty cities in Maine had zero vehicle thefts.

Road Fatalities in Maine

This sub-section will reveal the number of fatalities in Maine. The data we’ve retrieved comes from the National Highway Traffic Safety Administration (NHTSA). Each data table covers fatalities in a 3-5-year trend to show how fatality data changes each year. However, the changes may or may not influence car insurance premiums.

Most Fatal Highway in Maine

Before we move on to the NHTSA data, let’s talk about the most dangerous highway in Maine. Geotab lists the most fatal highways in the U.S.

For Maine, the most fatal highway is U.S. Highway 1 (US-1). US-1 stretches across the Atlantic coast and the border of Canada. Geotab estimates that there are at least nine fatal crashes per year on US-1.

Fatal Crashes by Weather Condition and Light Condition

Weather can be a factor in fatal crashes, also. The National Weather Service and Departments of Transportation encourage motorists to be cautious during harsh weather conditions. Let’s review the fatalities based on weather and light conditions.

Weather ConditionDaylightDark, but LightedDarkDawn or DuskOther / UnknownTotal
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The most fatalities due to the weather and light conditions happened during the day and under normal conditions.

Fatalities (All Crashes) by County

The NHTSA is an extensive data compilation of all the traffic data in the U.S. For this data table, we’ll be covering all the fatalities by county in Maine.

Counties in Maine2014 Fatalities2015 Fatalities2016 Fatalities2017 Fatalities2018 Fatalities2014 Fatalites per 100K Population2015 Fatalites per 100K Population2016 Fatalites per 100K Population2017 Fatalites per 100K Population2018 Fatalites per 100K Population
Androscoggin County910151758.389.3313.9715.84.64
Aroostook County31738104.3124.694.411.8414.9
Cumberland County12162126224.165.537.218.897.49
Franklin County4575513.2316.6423.316.7516.72
Hancock County88107714.6814.7518.3312.8212.77
Kennebec County11141518109.0711.5712.3514.768.19
Knox County44310110.0310.057.5425.082.51
Lincoln County12243535.245.9211.778.7714.56
Oxford County1211961220.9519.2615.7310.4520.83
Penobscot County211622171113.7110.5314.5411.247.28
Piscataquis County2243311.7411.8223.717.8617.86
Sagadahoc County245635.711.3914.2316.948.42
Somerset County816610815.6131.5411.8719.8315.81
Waldo County531013912.817.6725.3632.6622.67
Washington County6755418.742215.8215.8512.7
York County12212119225.9710.4310.369.2910.67
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In the past five years, Cumberland County had the most fatalities of any county in Maine. Piscataquis County had the lowest rate of fatalities in the state.

Traffic Fatalities

What areas in Maine were most affected by traffic fatalities? We can assume which areas, but let’s have the data speak for itself.

Traffic Fatality Summary2009 Fatalities2010 Fatalities2011 Fatalities2012 Fatalities2013 Fatalities2014 Fatalities2015 Fatalities2016 Fatalities2017 Fatalities2018 Fatalities
Total (C-1)159161136164144131156160173137
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There were more traffic fatalities in Maine’s rural areas. Maine’s urban areas have a small share of traffic fatalities.

Fatalities by Person Type

What type of vehicle is likely to be a fatal accident in Maine? Let’s review those numbers closely.

Person Type# of Fatalities in 2014# of Fatalities in 2015# of Fatalities in 2016# of Fatalities in 2017# of Fatalities in 2018
Bicyclist and Other Cyclist20422
Large Truck00050
Light Truck - Other01110
Light Truck - Pickup1613312317
Light Truck - Utility2918212424
Light Truck - Van97847
Other/Unknown Nonoccupants01000
Other/Unknown Occupants53154
Passenger Car5062596353
Total Motorcyclists1132182623
Total Nonoccupants112021229
Total Occupants109104121125105
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In a five-year trend, passenger cars are likely to encounter fatal accidents.

Fatalities by Crash Type

Why don’t we show some specifics to each crash type? When we narrow the data, we can see the fatalities for each crash type.

Crash Type2014 Fatalities2015 Fatalities2016 Fatalities2017 Fatalities2018 Fatalities
Single Vehicle661081079186
Involving a Large Truck1011202516
Involving Speeding3960565042
Involving a Rollover2242224043
Involving a Roadway Departure102111114113103
Involving an Intersection (or Intersection Related)1322243416
Total Fatalities (All Crashes)*131156160173137
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Total fatalities refer to the number of fatalities in the state and not the total fatalities in the table. Therefore, out of 131 fatalities in 2014, 10 of those fatalities involved a large truck.

Five-Year Trend For The Top 10 Counties

Let’s examine the top 10 counties in Maine with the most fatalities.

RankCounties in Maine2014 Fatalities2015 Fatalities2016 Fatalities2017 Fatalities2018 Fatalities
1Cumberland County1216212622
2York County1221211922
3Oxford County12119612
4Penobscot County2116221711
5Aroostook County3173810
6Kennebec County1114151810
7Waldo County5310139
8Somerset County8166108
9Hancock County881077
10Androscoggin County91015175
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Portland, which is the largest city in Maine, is located in Cumberland County. Due to the city’s size, it’s more populated than most cities in Maine.

Fatalities Involving Speeding by County

One of the reasons law enforcement and state courts are so tough on speedsters on the road is the rate of fatalities. How does speed fatalities affect Maine’s counties?

Counties in Maine2014 Fatalities2015 Fatalities2016 Fatalities2017 Fatalities2018 Fatalities2014 Fatalites per 100K Population2015 Fatalites per 100K Population2016 Fatalites per 100K Population2017 Fatalites per 100K Population2018 Fatalites per 100K Population
Androscoggin County222321.861.871.862.791.86
Aroostook County241422.885.811.475.922.98
Cumberland County567431.742.072.41.371.02
Franklin County235346.619.9816.6410.0513.38
Hancock County123231.833.695.53.665.47
Kennebec County355822.474.134.126.561.64
Knox County0234005.037.5410.030
Lincoln County6100117.622.96002.91
Oxford County233233.495.255.243.485.21
Penobscot County346241.962.633.971.322.65
Piscataquis County00111005.935.955.95
Sagadahoc County222005.75.75.6900
Somerset County474537.8113.87.919.925.93
Waldo County126522.565.1115.2112.565.04
Washington County254126.2515.7112.653.176.35
York County41246101.995.961.972.934.85
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Piscataquis County has the least fatalities followed by Lincoln County.

Fatalities in Crashes Involving an Alcohol-Impaired Driver by County

Finally, let’s examine alcohol-impaired driver fatalities by county.

Counties in Maine2014 Fatalities2015 Fatalities2016 Fatalities2017 Fatalities2018 Fatalities2014 Fatalites per 100K Population2015 Fatalites per 100K Population2016 Fatalites per 100K Population2017 Fatalites per 100K Population2018 Fatalites per 100K Population
Androscoggin County245331.863.734.662.792.79
Aroostook County142241.445.812.932.965.96
Cumberland County446741.391.382.062.391.36
Franklin County0332309.989.986.710.03
Hancock County314445.51.847.337.337.3
Kennebec County255521.654.
Knox County00240005.0310.030
Lincoln County311118.812.962.942.922.91
Oxford County353245.248.765.243.486.94
Penobscot County7510134.573.296.610.661.99
Piscataquis County003010017.7805.95
Sagadahoc County0210105.72.8502.81
Somerset County452217.819.863.963.971.98
Waldo County324617.695.1110.1415.082.52
Washington County0240206.2912.6506.35
York County487871.993.973.453.913.39
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York County had the most fatalities involving alcohol-impaired drivers.

Teen Drinking and Driving

Speaking of alcohol-impaired drivers, how many teens are arrested per year for drunk driving? Let’s look at those numbers and compared them to other states near Maine.

StateDUI Arrest (Under 18 years old)DUI Arrests (Under 18 years old) Total Per Million PeopleRank
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Maine had more teen DUI arrest than the other three states. Delaware didn’t have any teen DUI arrests.

EMS Response Time

How fast does EMS respond to the fatal crashes in Maine? Response time is important to saving lives. Even if the crash is fatal, EMS rushes to the scene as fast as possible. Let’s look at the average times for EMS response.

Area in the StateTime of Crash to EMS NotificationEMS Notification to EMS ArrivalEMS Arrival at Scene to Hospital ArrivalTime of Crash to Hospital ArrivalTotal Fatal Crashes
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Maine’s rural areas have a longer response time. This may be due to the distance in miles from the hospital to the fatal crash site. These times vary. Some response times may be faster than average if traffic conditions are fair or good. Expect longer response times during peak hours of the day or night.

Transportation in Maine

Maine is mostly rural land. Because there are so many rural areas, there are a lot of highways and other access roads that require a motor vehicle or some other type of transportation. This final sub-section will explore the common methods of travel, car ownership in Maine, commute time, and traffic congestion data.

Car Ownership

Data USA reported that 45 percent of Maine’s motorists own two cars per household. Twenty-one percent of Maine’s households owned three cars, while approximately 20 percent own one car per household.

Commute Time

Commute times refer to the time it takes to get from home to the workplace. The U.S. average commute time is 26 minutes. Maine’s commute time is averaged at 23 minutes. About two percent of people in Maine have super commutes, which are commutes that are 90 minutes or longer.

Commuter Transportation

We talked about how much land of Maine was rural land and how minimal urban areas were in comparison to it. Let’s review the most common method of travel.

Most drivers in Maine drove alone to work, according to Data USA reports. An estimated 79 percent of people drove alone to work. Roughly nine percent carpooled while six percent of people worked from home.

Traffic Congestion

There are several agencies worldwide that monitor the forecast of traffic conditions. Some of those agencies only cover popular cities in the world, but Numbeo has a few entries that contain cities not shown in other agencies. We decided to show some traffic congestion data from the largest city in Maine, which is Portland.

Before we show you data, let’s talk about the meaning of the terms used in the data.

A Traffic Index is a composite index of time consumed in traffic. It includes commutes to the workplace, dissatisfaction with estimated time consumption, estimated CO2 consumption in traffic, and overall traffic system inefficiencies. Time Index is an average one-way time needed to transport, which is measured in minutes. Time Exp. Index is dissatisfaction due to long commute times.

Numbeo explains Time Exp. Index as an assumption that the dissatisfaction of commute times increases with each minute in traffic, especially if commute time is longer than 25 minutes.

Inefficiency Index estimates traffic inefficiencies. High inefficiencies information is based on when people drive a car instead of using public transportation or have super commutes times. It’s often used as a traffic component to measure economies.

CO2 Emission Index is estimating CO2 consumption due to the time in traffic. The unit of measurement is in grams for the return trip. To calculate the average estimation of emission in grams, divide the CO2 Emission Index by two.

Now that you know the terms, let’s examine the traffic congestion information from Portland, Maine.

Portland, Maine Numbeo SummaryTraffic Congestion Data
Traffic Index109.9
Time Index (in minutes)21.25
Time Exp. Index21.25
Inefficiency Index99.33
CO2 Emission Index5,486.25
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To simplify, we’ll analyze the traffic index data. The traffic index in Portland, Maine, is about 110 minutes. This means the total average commute time from home to work, and vice versa takes about 110 minutes.

The average commute time is estimated at 23 minutes. Peak hours increase average commute time. Peak hours are 8 a. m. and 5 p. m., which may extend commutes by about 21 minutes. Expect commute time to increase during harsh weather conditions, also.

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Our guides are strictly for informing our readers of what to expect as they shop for car insurance in a designated state. Maine is one of the cheapest states for car insurance. This can be refreshing for new residents who previously paid for more expensive premiums in other states.

Through this guide, you’re more aware of the perils of unsafe driving practices and know your chances of vehicle crashes. Although we can’t name all the laws of Maine, we’ve given you the essential law information to help you prepare for Maine’s roadways.

Take a second look at some car insurance rates in your area. Use our free quote tool below. Simply enter your ZIP code in the box below to receive car insurance results in your area.