Auto Insurance Minimum Requirements
Maine requires all drivers to carry minimum liability coverage of $50,000 per person and $100,000 per accident for bodily injury, plus $25,000 for property damage — commonly written as 50/100/25. Maine is a tort (at-fault) state, which determines how fault and claims are handled after a collision. Uninsured motorist coverage is mandatory. Personal Injury Protection (PIP) is not required.
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.
Fine
Up to $500
License / Registration
Suspension: Yes
SR-22 Required After
Yes
What is the minimum car insurance required in Maine?
Maine requires minimum liability coverage of $50,000 per person and $100,000 per accident for bodily injury, plus $25,000 for property damage. This is written as 50/100/25 coverage.
Is Maine a no-fault state?
No, Maine is a tort (at-fault) state. The driver responsible for the accident is liable for damages, and claims are filed against their insurance.
Is uninsured motorist coverage required in Maine?
Yes. Maine requires uninsured motorist (UM) coverage. Underinsured motorist (UIM) coverage is also required. Mandatory minimum limits must equal 50/100 for bodily injuries.
What happens if I drive without insurance in Maine?
Driving without insurance in Maine can result in fines of Up to $500 and license/registration suspension. An SR-22 certificate is typically required to reinstate your driving privileges.
Do I need an SR-22 in Maine?
SR-22 filings are used in Maine for high-risk drivers following events like DUI convictions, serious violations, or driving without insurance. An SR-22 is a certificate of financial responsibility filed by your insurer — it is not a type of insurance policy. Required for a 3-year term following an OUI conviction or uninsured operating event.
What does 50/100/25 mean in Maine?
These numbers represent your liability limits: $50,000 per person for bodily injury, $100,000 per accident for bodily injury, and $25,000 for property damage. These are the legal minimums — purchasing higher limits provides greater financial protection.
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Official Source
Maine Bureau of Insurance
More Maine Resources
Data Methodology
DataTactic researchers verify auto insurance minimum requirements directly against official government sources — Maine Bureau of Insurance publications, state statutes, and agency websites. Each data point is cross-referenced against primary sources before publication. Records are reviewed and updated when laws or requirements change.
Last verified: 2026-05-27 · Always confirm with official state sources before making coverage decisions.