Maine state law requires all drivers to show proof of financial responsibility for any vehicle they operate. The best way you can do this is by having auto insurance. The price for auto insurance varies from person to person. The rate can be higher or lower than the average depending on several factors, including:
- Value of your vehicle.
- Age of your vehicle.
- Model of your vehicle.
- Purpose of your vehicle (work or pleasure.)
- Your age and driving record.
- Age and driving record of others people in the household.
In addition, the deductible and coverage that you choose makes a difference in price as well. The minimum coverage requirements for Maine are:
- $50,000 bodily injury coverage per person.
- $100,000 bodily injury coverage per incident.
- $25,000 property damage coverage per incident.
While this is the minimum required by law, it is a good idea to talk to your insurance agent to determine your own specific needs.
Sample of Annual Maine Auto Insurance Rates
Vinalhaven Auto Insurance
Vinalhaven is an island community off the central coast of Maine in the Penobscot Bay. Vinalhaven is home to granite quarries that supplied the stone for New York's St. John the Divine church and the Brooklyn Bridge. A thriving lobster fishing community is centered in Vinalhaven, and the wildlife preserves offer opportunities for outdoor recreation.
No bridge serves the Vinalhaven Island. Vinalhaven is accessibly by car by using the Maine State Ferry Service from Rockland. You can also reach Vinalhaven by air taxi.
York Auto Insurance
York is one of the nation's oldest cities and was founded in 1642. York is known as a summer resort town. York has sandy beaches, three golf courses and ready access to Mount Agamenticus. York is also home to "The Old Gaol" - the oldest jail in America.
York is one of the first Maine towns off Interstate 95 traveling north from Boston. I-95 continues north to Saco and then Portland. U.S. Highway 1 travels to the Rachel Carson National Wildlife Refuge.
Harpswell Auto Insurance
Harpswell has more than 200 miles of coastline, between the Harpswell Neck, three large islands and more than 200 smaller islands. Harpswell still has a few of the remaining working harbor left on Maine coast. Harpswell's ocean views, light houses and walking trails make this mid coast Maine town unique.
Harpswell's three large islands are connected by a bridge on Maine Route 24. Maine Route 123 travels north to Brunswick.
Deer Isle Auto Insurance
Deer Isle is an island in the Penobscot Bay. Deer Isle is home to the Haystack Mountain School of Crafts, which draws artists and artisans from around the world. Deer Island is still home to a granite quarrying industry, as well as a thriving lobster fishing industry.
Deer Isle is accessibly by bridge via Maine Route 15. Once on the mainland, Maine Route 175 continues north to Penobscot.
Isle au Haut Auto Insurance
Isle au Haut is a small island community in the Penobscot Bay. There are no bridges serving the island. The island is home to portions of the Acadia National Park. The town's year-round population of 65 swells to several hundred during the summer.
Isle au Haut is accessibly by the Isle au Haut Boat Services ferry, known as the Mailboat. Once on the island, most areas are accessible by bicycle. Main Road encircles the island and is one of the only thoroughfares.
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Matinicus Auto Insurance
Matinicus is an island town in the Penobscot Bay. Matinicus is a very rural and rustic island. There are no restaurants or organized entertainment geared toward tourists. In the 2010 census, Matinicus had 74 fulltime residents.
Matinicus is accessible by Maine State Ferry Service from Rockland, but only runs four times a month in the summer and once per month in the winter. Two private ferry operators also service the island.
Blue Hill Auto Insurance
Blue Hill is the gateway to the towns on the Blue Hill Peninsula and to Deer Isle and Stonington. It has a jagged coastline with a mix of fishing and tourism-oriented businesses.
Blue Hill sits at the crossroads of Maine Routes 15, 172, 177, 175 and 176. Route 15 connects north to U.S. Highway 1 and Route 172 travels northeast to Surry and on to Ellsworth.
Swan's Island Auto Insurance
Swan's Island is a remote island off the coast near Bass Harbor. Lobstering is the main source of income for the island, which has 350 fulltime residents. Named after Colonel James Swan, the island's population grows to 1,000 residents in the summer.
Swan's Island is accessibly by ferry by the Main State Ferry Service from Bass Harbor. Atlantic Road travels along most of the northern coast of the island.
Caribou Auto Insurance
Caribou calls itself the most northeastern city in the United States, residing just minutes from the Canadian border. Caribou has access to the trailheads on the Aroostook Valley Trail and the Bangor and Aroostook Valley Trail - which combine to offer more than 1,000 miles of marked trails.
U.S. Highway 1 travels north to the Canadian border and south to Houlton where it meets Interstate 95.
Waldoboro Auto Insurance
Waldoboro is a fishing town along Maine's Mid Coast. Once a major industrial mill town and shipbuilding port, Waldoboro now relies on fishing, farming and tourism as its main sources of income. Downtown Waldoboro has streets lined with picturesque homes and a sloping waterfront.
U.S. Highway 1 gravels through the heart of Waldoboro. You can travel southwest on U.S. 1 past Boothbay to Brunswick, or follow it northeast up the coast to Rockland, Camden, and Belfast.
Tips to Get a Great Price on Maine Auto Insurance
You are required to have auto insurance in the state of Maine. The good news is that Maine has rates that are among the lowest in the country. In addition, you may also be eligible for discounts, including:
- Multiple vehicle policy.
- Combining auto/home insurance.
- Good driver.
- No lapse in coverage.
- Low mileage.
- Good student.
- Completion of a driver's education course.
In addition to these discounts, if you are over the age of 55, Maine laws states that every insurance company must offer a discount if you attend an approved accident prevention course.
Moving to Maine: Important Information
If you move to Maine and have a valid out-of-state driver's license, you can get a Maine driver's license by visiting the local DMV. You must be able to prove that you are a Maine resident. You can do this by providing the DMV with a utility bill, check stub, or other legal document. In addition, you will need to provide your birth certificate.
You will need to take a vision screening, as well as pay the required license fees and get your picture taken. You must also turn in your out-of-state license to get your new Maine license.
All new residents must register their vehicle in Maine. To do this, you need to visit your local town's government office. According to Maine law, if your vehicle is 1995 or newer, you must be able to show the title of the vehicle. If your vehicle is older than 1995, showing a title is not necessary. Either way, you will need to show the registration from the state that you moved from, as well as your current dated insurance card.
Another important fact to know is that there is an excise tax, which is an indirect tax charged on the sale of a product, due yearly when you register your vehicle. The amount of the tax varies based on the value of your vehicle.
Understanding Driving Laws in Maine
It is important to read and understand the driving laws in Maine before you attempt to get your state license. While there are many laws that are the same state to state, there are particular to Maine. A good example is Title 29-A §2119, which prohibits text messaging.
As in most states, Maine has strict seat belt laws. Children under 40 pounds must be secured in a child safety seat. Those between the ages 8 and 18 must be restrained by a regular car seat belt.
Frequently Asked Questions About Maine Auto Insurance
1. What will an insurance policy cost per year?
The price of your insurance policy varies greatly depending on your specific circumstances. Things such as; young drivers in the household, your credit worthiness, as well as the number of vehicles that you need to insure can affect the price greatly.
2. What auto insurance coverage does Maine law require?
There are three types of auto insurance coverage required by law in the state:
- Uninsured motorist coverage.
- Liability insurance.
- Medical payments coverage.
3. How can you obtain proof of insurance coverage?
Most insurance companies send a card to prove insurance coverage. In addition, most insurance companies will send electronic confirmation of coverage if needed.
How to Get Great Rates on Maine Auto Insurance
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insuranceQuotes.com Auto Rate Methodology
Rates are based on one vehicle and one driver who has state minimum coverage with $500 deductibles. The hypothetical driver is 35 years old, female or male, employed, a college graduate, and has good credit. She has no traffic violations, claims, or lapse in coverage. The vehicle is assumed to be a sedan that is garaged on premises, used primarily for commuting, and driven 16,000 miles per year. Rates include commonly available carrier discounts and are estimates and not guaranteed.