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Cheapest Car Insurance in Maine

Maine, “The Pine Tree State”, earns its nickname from its heavily-forested, beautifully-preserved interior. The epitome of America’s New England Region, this state’s attractions include world-class seafood, picture-perfect waterways and beach cliffs bordering the Atlantic Ocean. Scenic drives abound along the U.S.’s northeast extremity, and drivers from all over flock for its quaint charm. To help drivers living in and visiting “Vacationland”, has arranged all the pertinent car insurance for the state in this easy-to-follow article.


Driving from bed-and-breakfasts to the coast can be beautiful all year round. The following information will help ensure Maine drivers are well-protected while they enjoy driving around their charming state.

Minimum Requirements for Car Insurance in Maine

  • The Maine Insurance Bureau makes it mandatory for every driver to be covered under liability insurance coverage, uninsured motorist coverage and medical payments coverage.
  • Liability Coverage minimums:
    • $50,000 per single bodily injury or death.
    • $100,000 per multiple bodily injury or deaths.
    • $25,000 for property damage.
  • Medical Payments minimums:
    • $50,000 for individual medical payments.
    • $100,000 for multiple medical coverage
  • Uninsured Motorist minimums:
    • $50,000 per person
    • $100,000 per accident

New Driver Licensing Requirements:

  • Maine’s Bureau of Motor Vehicles (BMV) states that all drivers have 30 days from the date of residency to obtain a Maine drivers license. A driver over 21 years of age will be first issued a 1-year provisional license. Every applicant must pass a vision screening, a knowledge test and a road skills test to hold a regular license.
  • Residents 15 years old must first obtain a permit to gain driving experience. The permit is valid for 18 months, and includes the following guidelines and requirements:
    • The applicant must complete a driver education course
    • The applicant must complete the vision and knowledge exams
    • The applicant must be accompanied by a licensed driver age 20 or older who has held a license for at least 2 years.
    • The applicant must complete 35 hours of supervised driving with 5 hours of night driving.
    • The driver must hold the permit for at least 6 months before applying for a regular drivers license.
  • The applicant must pass the road skills test to receive the regular drivers license, and drivers under 18 who hold a license may not, for the first 180 days:
    • drive between 12 am and 5 am
    • carry passengers. Exceptions include immediate family members, foreign exchange students living with the family or a licensed driver age 20 or older who has held a license for more than 2 years.
  • Vision Exam. The vision exam evaluates an applicant’s visual acuity and peripheral vision. A visual acuity of 20/40 and field of vision of 140 degrees is required to drive without restrictions. Applicants possessing a peripheral vision of less than 140 and greater than 110 are required to equip their vehicle with outside left and right mirrors. Drivers with a visual acuity worse than 20/50 must drive in daylight only.
  • Knowledge Test. The knowledge test covers traffic laws, traffic rules, driving skills, vehicle handling, highway signs and Maine’s drinking and driving laws.
  • Road Skills Test. The road test covers a variety of driving maneuvers to test the applicant’s ability to control his/her vehicle. The test will require the applicant to:
    • Back the vehicle
    • Maintain proper lane control
    • Turn left and right
    • Drive straight ahead
    • React to traffic, traffic signs and traffic signals
  • Fees. The following fees apply for every applicant:
    • Written test: $10
    • Road skills test: $35
    • Regular license, under 65 years of age: $30
    • Regular license, over 65 years of age: $21


  • BAC limit: .08 Maine’s Bureau of Highway Safety requires a BAC of .08 for drivers 21 and older while drivers under 21 require a BAC of .02 for a DUI violation. Penalties for under-21 DUI offenses vary in severity. Following is an outline of the major penalties resulting from a Maine DUI with no aggravating factors:
  • First Offense:
    • Fine: $400
    • License suspension: 150 days
  • Second Offense:
    • Imprisonment: 7 days
    • Fine: maximum $600
    • License suspension: 3 years
  • Third Offense:
    • Imprisonment: 30 days
    • Fine: maximum $1,000
    • License suspension: 6 years
  • Aggravated factors and refusals greatly increase the penalties for Maine’s DUI convictions.

Texting & Driving Laws

According to, Maine law has banned cell phone use, whether handheld or hands-free, from novice drivers. Texting has been banned from all drivers, and it is against the law to drive while distracted.

Unique Laws

Maine is one state that makes some laws that really make sense. For example, one law forbids any passenger to step out of a plane that is in flight. Another law prohibits one from parking his/her horse “up wind” on a windy day. No one is allowed to bite a landlord, and it is against the law to park in front of Dunkin’ Donuts!


Best Cheap Car Insurance Quotes for Maine

Cumberland County Car Insurance

The most populous county in southern coastal Maine is centered around the county seat of Portland, the namesake for the City of Portland, Oregon. Cumberland County's population was 281,674 at the 2010 Census, and it is the economic and industrial center of Maine. The county has the deepest lake in the state, Sebago Lake, the source of much of the county's tap water.

Portland is the birthplace of horror novelist Stephen King, who now lives in Bangor. Many of King's novels are set in fictional and real towns in Maine. Cumberland County is home to some unusual points of interest, such as the state's only 40-acre desert, located Freeport. A result of over-farming, its giant sand dunres are now a popular spot for tourists. Another one-of-a-kind attraction is the International Cryptozoology Museum, dedicated to "unknown" species such as Yeti, Bigfoot and lake monsters.

County Sedan Suv Coupe Truck Hybrid

York County Car Insurance

Located in southwest Maine along the New Hampshire border, York County is the oldest county in Maine and one of the oldest in the U.S. York, the county seat, contains part of the Massabesic Experimental Forest.

Located on the Kennebunk River, the town of Kennebunkport is home to the Seaside Inn. The Seaside has operated continuously in the same family since 1667, and is one of the oldest businesses in the U.S. Historically a shipbuilding and fishing village, Kennebunkport is now a quaint summer destination with art galleries and seafood restaurants.

County Sedan Suv Coupe Truck Hybrid

Penobscot County Car Insurance

Extending from Bangor northward along Interstate 95 to Mt. Chase, Penobscot County is named for the indigenous people believed to live in the area for at least 11,000 years. The county seat is Bangor, where the Bangor State Fair has taken place annually for more than 150 years.

Arguably the most famous celebrity in Maine, horror novelist Stephen King, lives in Bangor. Located about 30 miles from Bangor, Derry is the setting of two of writer Stephen King's books, "It" and "Insomnia." Bangor is believed to be the birthplace of Paul Bunyan, and a 31-foot statue pays tribute to the legendary woodsman.

County Sedan Suv Coupe Truck Hybrid

Kennebec County Car Insurance

Located in southern central Maine, Kennebec County is bisected by Interstate 95 roughly halfway between Bangor to the north and Portland to the south. Augusta, the state capital and county seat, is located along the Kennebec River, home to the University of Maine at Augusta. Its economy is largely industrial, producing paper and textiles.

The small town of Gardiner was once known worldwide for exporting ice, when men would cut large blocks during the winter from the pristine northern sections of the Kennebec River. One of the first workable steam automobiles was built there in 1858. Today the town is now a bedroom community of Augusta.

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Androscoggin County Car Insurance

The second smallest county in Maine by area, Androscoggin County lies in southern Maine. Auburn, the county seat, lies directly across the Androscoggin River from its twin city of Lewiston. The two cities in 1937 were the site of the largest labor dispute in Maine history, known as the Lewis-Auburn Shoe Strike and involving up to 5,000 at its peak.

Androscoggin County encompasses the town of Durham, where writer Stephen King spent part of his childhood. The town of Leeds is home to Camp Tekakwitha, the only entirely French-speaking summer camp in the U.S. Running between Androscoggin Lake and Androscoggin River through the town of Leeds is a channel known as the Dead River, usual because it may flow either direction, depending on which body of water is higher.

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Aroostook County Car Insurance

Known in Maine as "The County," Aroostook County is the northernmost county in New England and the largest American county by land area east of the Rocky Mountains. The area is known for its potato crops and Acadian culture. The county seat is the small town of Hulton, where Interstate 95 has its two northernmost exits.

With its vast wilderness and scenic vistas, the area is popular among visitors for its many coss-country ski trails and more than 1,600 miles of snowmobile trails. The Maine Winter Sports Center is located in the small city of Caribou.

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Oxford County Car Insurance

Running along the eastern Maine border with New Hampshire, Oxford County also borders the Canadian province of Quebec. Home to numerous large residential summer camps, the county had a population of 57,833 at the 2010 Census. Its largest city, Rumford, is a community of about 5,800 and the site of the Black Mountain of Maine ski resort.

The county seat is the town of Paris. Nearby is the village of Paris Hill, a historic district preserving what was once the county seat. It includes an assortment of residential, civic and religious buildings dating from 1800 to 1860. The small town of Woodstock boasts the world's largest telephone, a unique outdoor sculpture.

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Hancock County Car Insurance

Located west and south of Bangor, the coastal Maine County of Hancock is a commercial fishing and salmon farming area, with the longest coastline of any Maine county. Its economy is also buoyed by tourism. The county seat is Ellwsorth.

The town of Hancock, home to about 2,400, was the filming site for part of the film, "Pet Sematary," which was based on Maine author Stephen King's novel of the same title. The yellow house at 303 Point Road is where much of the film takes place. The small town of Mount Desert, located on Mount Desert Island, is home to the famous "Bubble Rock," where thousands of years of glacial erosion created a precariously balanced rock at the edge of a cliff.

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Somerset County Car Insurance

Named for Somerset County, England. The county seat is Skowhegan, a Native American term meaning "Watching place (for fish." The town of about 9,000 hosts the oldest continuous state fair in the U.S., and is home to the Skowhegan School of Painting and Sculpture, an internationally known residency program for artists.

One of the county's more unique attractions is the Swinging Bridge, a suspension footbridge across the Kennebec River. Travel and tourism are a vital part of the county's economy, with summer being the busiest season for visitors. Much of the tourism is nature-based, centered on activities such as hiking and hunting in natural areas or rafting, boating and fishing in its rivers and lakes. Winter visitors enjoy snowmobiling, skiing and ice-fishing.

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Knox County Car Insurance

The most recently established county in Maine, Knox County began in 1860, carved from parts of surrounding counties. Situated about halfway up the Maine coast, it was home to nearly 40,000 at the 2010 Census. The county seat, Rockland, is a popular tourist destination.

Rockland is the site of the annual, 5-day Maine Lobster Festival, held for more than 70 years in celebration of its primary export: Maine lobster. It is also where the Maine State Ferry offers service to the islands of Penobscot Bay, Vinalhaven and Matinicus. Among its more unique attractions are the Maine Lighthouse Museum, which recently merged collections with the Museum of Lighthouse History of Wells, Maine.

County Sedan Suv Coupe Truck Hybrid

County Sedan Suv Coupe Truck Hybrid
York$461.00$345.00$431.00$402.00$422.00 Methodology

Car insurance quotes are for one car and one driver who has state minimum coverage with $500 comprehensive and collision deductibles. The hypothetical driver is 40 years old, female, married, employed, a college graduate, and has good credit. She has no moving violations, accidents, claims, or lapse in coverage. The vehicles are assumed to be garaged on premises, used primarily for commuting, and driven 16,000 miles per year. Car insurance quotes include commonly available discounts and are estimates and not guaranteed.

Average Car Insurance Premiums reports that Maine’s average car insurance premiums are far below the national average. Its premiums as a percentage of income also hit a record low in 2008.

Drunk Driving Fatalities

According to the National Highway Traffic Safety Administration, Maine’s drunk driving fatalities are on the rise. After being 10 percent below the national average in 2010, Maine climbed to just 1 percent below the national average in 2012 and surpassed it in 2014.

Vehicular Theft in Maine

Maine’s auto thefts are reported by the FBI as being 1/3 that of the national average. Maine even showed a slight improvement in 2012 at less than 75 down from 81. It was at a new low in 2014.

Cheap Car Insurance understands you work hard for your money so, why spend more on your affordable auto insurance. Here is a list of some of the car insurance discounts that will help keep your hard-earned money in your pockets:

  • Multi-car insurance discount
  • Good student discount
  • Military discount
  • Car safety features discount
  • Anti-theft discount
  • Bundling your auto with home or renters
  • Defensive driving discount
  • Usage or low-mileage discount
  • Senior citizen discount
  • Mature driver discount

Insurance discounts may vary by state so, contact us today to see if you qualify for any of these car insurance discounts!

Driver RatingBest Rate Option
Good driversGeico
Young driversGeico
Drivers with poor creditGeico
Drivers with one at-fault crashConcord
Retired driversGeico


State Department of Insurance

Department of Professional & Financial Regulation
Bureau of Insurance
76 Northern Ave.
Gardiner, ME 04345
800-300-5000 (toll free in Maine)
(207) 624-8475
Get Directions

Department of Transportation

Maine Department of Transportation
16 Child St.
Augusta, ME 04333-0016
(207) 624-3000
Get Directions

Department of Motor Vehicles

Bureau of Motor Vehicles
101 Hospital Street
Augusta, ME 04333-0029
Get Directions

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