Maine Auto Insurance for First-Time Drivers
Maine requires 50/100/25 liability coverage and is an at-fault state.
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Maine at a Glance
50/100/25
Minimum liability limits, in thousands of dollars (per person / per accident / property)
At-fault
The at-fault driver's insurance pays for the damage they cause
Required
PIP and Uninsured motorist coverage must be on every policy
15
Minimum learner's permit age, 70 supervised driving hours
Source: state DMV, insurance department and statute records, verified July 2026
Minimum Coverage Requirements in Maine
Maine operates as a traditional tort state, meaning the at-fault driver's insurance pays for damages after an accident.
Bodily Injury Liability
Property Damage Liability
Uninsured/Underinsured Motorist Coverage
Medical Payments Coverage
What Drivers Pay in Maine
$326/mo
Typical monthly rate in Maine, new drivers
Rate data: Insurify, 2026
Bring Your Under 25 Rate Back to Earth
Compare Rates for Drivers Under 25Rules for new drivers
Night driving
midnight-5am
Passengers
no passengers (family exempt) for first 270 days
Source: IIHS and state DMV records, verified July 2026
Coverage Types
Liability Insurance
Covers injuries and property damage you cause to others — this is the foundation of every policy and the coverage Maine law requires. Liability has two components: bodily injury (medical bills, lost wages, pain and suffering for people you injure) and property damage (repairs to vehicles or property you damage).
Full Coverage
Industry term for a policy combining liability, collision, and comprehensive coverage — it means you're covered for damage you cause to others and damage to your own vehicle from accidents, weather, theft, and animal strikes. If you're financing or leasing a vehicle, your lender will require full coverage until the loan is paid off.
Comprehensive Coverage
Pays for damage to your vehicle from non-collision events: theft, vandalism, fire, falling objects, glass breakage, weather damage, and animal strikes. You choose a deductible (typically $500 or $1,000) — that's the amount you pay before insurance covers the rest.
Collision Coverage
Pays to repair or replace your vehicle after a crash with another vehicle or object (guardrail, tree, building), regardless of who was at fault. Like comprehensive, you select a deductible — a $500 deductible means you pay the first $500 and insurance pays the remainder.
Uninsured/Underinsured Motorist Coverage
Covers your medical bills and vehicle damage when you're hit by a driver with no insurance or limits too low to pay for the harm they caused. This coverage steps in as if the at-fault driver had proper insurance, up to your policy limits.
SR-22 Insurance
Not a coverage type but a certificate your insurer files with the Maine Bureau of Motor Vehicles proving you carry at least minimum liability coverage. The state requires SR-22 filing after certain violations like DUI, driving uninsured, or multiple at-fault accidents.