Low Cost Auto Insurance in Maine and Premiums in All U.S. States

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Scroll down for current info on car insurance in the state of Maine.

Minimum Liability Coverage

Car owners in Maine are required by law to buy a minimum auto insurance coverage of 50/100/25.

That means $50,000 in Personal Injury Protection, also known as PIP, $100,000 to cover death or injury to others, and $25,000 to insure against property damage.

Maine and Alaska have the highest minimum required car insurance liability limits of all U.S. states.

According to Low Cost Auto Insurance experts, the minimum coverage needed to cover the actual cost of an auto accident is $100,000 in Personal Injury Protection (also known as PIP) and $300,000 coverage against death or injury to others.

In other words, experts recommend at least 100/300 coverage for all vehicles owned in America.

Penalties for Uninsured Drivers

The penalty for driving an uninsured vehicle in the state of Maine is a fine of up to five hundred dollars and a suspended license for thirty days.

Repeat offenders face harsher penalties.

Average Auto Insurance Rates

The Average Annual Premium for Car Insurance in the state of Maine last year was $934, the lowest of all 50 states and Washington DC.

The overall national average car insurance premium at that time was $1,510.

According to analysts at Top50States.com, factors contributing to Maine's low rates include a low rate of uninsured vehicles, low population density, very low crime rates, and the fact that Maine has the highest median age (40.7) of all U.S. states.

As an added premium-reducing bonus, Maine almost never experiences major natural disasters like earthquakes, tornadoes and floods.

Low Cost Auto Insurance

Here are some ways in which auto owners in Maine, and in all U.S. states, can reduce their car insurance premiums.

1. Pay annual premiums all at once instead of monthly. This will score an administrative discount.

2. Live alone, or with low-risk drivers.

3. Qualify for many discounts. Avoiding accidents and moving violations for three years gets an Accident-Free discount and a Good Driver discount. Academic excellence scores a Good Student discount. Other discounts include Multiple Policy discounts, Defensive Driving Course discounts, Passive Restraint discounts and Vehicle Safety discounts.

Obtaining Auto Insurance Quotes

According to online customer reviews, Maine's favorite auto insurance providers are AAA, Allstate, Esurance, Geico, Progressive, State Farm, and Liberty Mutual Insurance.

However, most car insurance carriers offer similar deals and discounts. 

Grab a few free online quotes. Then call a few local agents and ask about discounts.

Then compare rates and simply select the cheapest premium package.

Following these easy steps will save you hundreds of dollars each year on car insurance. 

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