Maine

Auto Insurance Minimum Requirements

50/100/25

Liability Limits

No-Fault

N/A

PIP Minimum

UM+UIM

Uninsured Motorist

Full Requirements

Bodily Injury (per person)$50,000

Bodily Injury (per accident)$100,000

Property Damage$25,000

Uninsured Motorist RequiredYes

Underinsured Motorist RequiredYes

PIP RequiredNo

No-Fault StateNo (tort)

MedPay RequiredYes — $2,000 minimum

SR-22 FilingsYes (for high-risk drivers)

Effective Date1998-01-01

Important Notes

Maine enforces a unique framework requiring a minimum of $2,000 in Medical Payments (MedPay) coverage alongside its standard liability layout.

Uninsured / Underinsured Motorist

Mandatory minimum limits must equal 50/100 for bodily injuries.

SR-22 Filings

Required for a 3-year term following an OUI conviction or uninsured operating event.

Alternatives to Insurance

A performance security bond filed with the Secretary of State.

Official Source

Maine Bureau of Insurance

Last verified: 2026-05-27 · Always confirm with official state sources before making coverage decisions.