Maine Car Insurance
Maine drivers must carry 50/100/25 liability under 29-A M.R.S. § 16011, among the highest state minimums in the United States. Maine also requires compulsory UM/UIM at 50/100 and $2,000 Medical Payments under 24-A M.R.S. § 29022.
YesWeSure Bottom Line
Highest statutory floor in the country. Maine's 50/100/25 compulsory liability is among the highest in the US. UM/UIM is also compulsory at policy liability limits, so the floor is effectively 50/100 BI on both the liability and UM/UIM sides12.
Compulsory MedPay. Unusual for a tort state: Maine requires $2,000 MedPay on every personal auto policy, not just an offer2.
How to make a real decision. Even Maine's unusually high floor is still a floor. For how to think about higher limits, see how to choose coverage limits.
State requirements at a glance
What Maine car insurance law requires
Minimum liability limits
50 / 100 / 251
$50,000 bodily injury per person, $100,000 per accident, $25,000 property damage per accident, under 29-A M.R.S. § 1601. Among the highest state minimums in the United States.
Personal Injury Protection (PIP)
Not required2
Maine is a traditional tort state. No PIP is required on personal auto. Maine instead requires compulsory Medical Payments coverage at $2,000 per person.
Medical Payments (MedPay)
$2,000 required2
24-A M.R.S. § 2902 requires every Maine personal auto policy to include Medical Payments coverage at not less than $2,000 per person. MedPay in Maine is compulsory, not merely must-offer.
Uninsured / Underinsured Motorist
50 / 100 BI required (equal to liability)2
24-A M.R.S. § 2902 requires UM and UIM bodily-injury coverage at not less than the policy's compulsory liability limits (50/100) on every Maine personal auto policy. UM/UIM is compulsory, not merely must-offer.
Coverage verification
Maine BMV insurance verification3
The Maine Bureau of Motor Vehicles administers insurance verification. Confirmed lapse under 29-A M.R.S. § 1605 can trigger driver license and registration suspension, SR-22 filing requirements, and civil penalties.
Rate approval regime
Maine Bureau of Insurance oversight4
Maine does not maintain a headline statewide prohibition on credit-based insurance scoring, gender, or age as personal-auto rating factors.
50/100/25 compulsory liability
29-A M.R.S. § 1601 compels every registered Maine vehicle to carry 50/100/25 liability1. This is among the highest state minimums in the United States. Many Maine drivers carry higher limits.
PIP: not required in Maine
Maine does not require Personal Injury Protection. Maine instead requires compulsory Medical Payments coverage at $2,000 per person under 24-A M.R.S. § 29022. For how MedPay compares to PIP in states that require PIP, see our medical payments coverage guide.
Compulsory UM/UIM at policy limits
24-A M.R.S. § 2902 requires UM and UIM bodily-injury coverage at not less than the policy's compulsory liability limits (50/100) on every Maine personal auto policy2. UM/UIM is compulsory, not merely must-offer.
BMV verification and lapse enforcement
The Maine Bureau of Motor Vehicles administers insurance verification5. A confirmed lapse under 29-A M.R.S. § 1605 can trigger driver license and registration suspension, SR-22 filing requirements, and civil penalties3. For a general lapse treatment, see our after-a-lapse guide.
Rating-factor landscape
Maine does not maintain a headline statewide prohibition on credit-based insurance scoring, gender, or age4.
Where the Maine situation rules live on YesWeSure
This State Guide owns the Maine pricing and legal framework. Situation-specific mechanics live on the sibling Situation guides:
- After an accident. See our after-an-accident guide.
- After a DUI. Maine SR-22 and reinstatement mechanics are treated in our after-a-DUI guide.
- After a lapse. BMV consequences of a lapse are treated in our after-a-lapse guide.
- Moving into Maine. New-resident registration is treated in our moving-to-another-state guide.
What we verified for this page
- Strong50/100/25 minimum liability under 29-A M.R.S. § 1601 verified against the statute. Among the highest state minimums in the United States.
- StrongMaine is a traditional tort state (no PIP) verified against the Maine Bureau of Insurance consumer guide. Consistent with the frozen YesWeSure medical-payments guide; no conflict.
- StrongCompulsory MedPay at $2,000 under 24-A M.R.S. § 2902 verified against the statute. Maine is unusual: MedPay is compulsory, not must-offer.
- StrongUM/UIM compulsory at policy liability limits (50/100) under 24-A M.R.S. § 2902 verified against the statute. UM/UIM is compulsory, not merely must-offer.
- StrongMaine BMV insurance verification under 29-A M.R.S. § 1605 verified against the statute and the Maine BMV consumer page.
- LimitedDeliberately omitted from V1. A Maine modeled cost anchor; carrier-specific ME underwriting; the exact SR-22 duration (deferred to the after-a-DUI guide); and telematics program detail.
- LimitedNamed author and expert reviewer. V1 attributes to "YesWeSure Editorial." A Maine-licensed reviewer is tracked as a pre-launch YMYL item.
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Common questions
What is the minimum car insurance required in Maine?
50/100/25 liability under 29-A M.R.S. § 16011, plus UM/UIM at 50/100 and $2,000 MedPay under 24-A M.R.S. § 29022.
Is Maine a no-fault state?
No. Maine is a traditional tort state and does not require PIP. Maine does require compulsory MedPay at $2,000 per person2.
Is UM/UIM required in Maine?
Yes. UM and UIM are compulsory at the policy's liability limits (50/100) on every Maine personal auto policy under 24-A M.R.S. § 29022.
Sources & methodology
- 29-A M.R.S. § 1601: compulsory motor vehicle liability insurance; 50/100/25 minimum limits. (Maine State Legislature, TIER 1)
- 24-A M.R.S. § 2902: Uninsured and Underinsured Motorist and Medical Payments requirements on Maine motor vehicle policies. (Maine State Legislature, TIER 1)
- 29-A M.R.S. § 1605: penalties and license/registration suspension for operation without compulsory insurance. (Maine State Legislature, TIER 1)
- Maine Bureau of Insurance: Automobile Insurance consumer page. (Maine Bureau of Insurance, TIER 1)
- Maine Bureau of Motor Vehicles: Insurance Requirements consumer page. (Maine Bureau of Motor Vehicles, TIER 1)
- YesWeSure: Car insurance after an accident (YesWeSure, INTERNAL)
- YesWeSure: Car insurance after a DUI (YesWeSure, INTERNAL)
- YesWeSure: Car insurance after a lapse in coverage (YesWeSure, INTERNAL)
- YesWeSure: Car insurance when moving to another state (YesWeSure, INTERNAL)
- YesWeSure: What is medical payments coverage? (YesWeSure, INTERNAL)
- YesWeSure: How to choose coverage limits (YesWeSure, INTERNAL)
- YesWeSure: How insurers calculate rates (YesWeSure, INTERNAL)
Evidence hierarchy on this page: Tier 1 (Maine Revised Statutes, Maine Bureau of Insurance, Maine Bureau of Motor Vehicles). Every legal number traces to a Maine primary source: 24-A M.R.S. § 2902; 29-A M.R.S. §§ 1601, 1605. This page is informational and does not constitute legal, tax, or insurance advice. Last reviewed .