Maine Car Insurance Minimum Requirements
The Maine minimum: 50/100/25, plus mandatory $2,000 med pay and UM/UIM. That is $50,000 for injuries to one person, $100,000 per accident and $25,000 for property damage.
- Shorthand
- 50/100/25
Liability alone does not make a Maine policy legal. Every policy must also carry at least $2,000 per person in medical payments coverage, up to $500 per accident for towing and storage, and uninsured/underinsured motorist coverage at your own liability limits — so the full statutory package is 50/100/25 plus $2,000 med pay plus $500 towing plus 50/100 UM/UIM.
- Bodily injury — per person
- $50,000
- Bodily injury — per accident
- $100,000
- Property damage
- $25,000
- Uninsured / underinsured motorist
- Required; limits match your liability limits unless you reject them in writing
No Maine policy may be issued without uninsured motorist coverage, and that coverage must also answer for underinsured drivers. The limits default to your bodily injury liability limits. A purchaser may sign a written rejection of the higher amount, but never below $50,000 per person and $100,000 per accident. After two years at the same uninsured motorist limits with the same insurer you are conclusively presumed to have accepted them (24-A M.R.S. §2902).
- Personal injury protection (PIP)
- Not used — $2,000 of medical payments coverage is compulsory instead
Maine settles crashes on fault and has no personal injury protection. In its place, 29-A M.R.S. §1605-A makes at least $2,000 per person of medical payments coverage mandatory, for the driver and the passengers of the insured vehicle, limited to medical costs incurred within one year of the crash. The requirement does not reach a policy insuring more than 4 vehicles, or a policy covering a garage, dealership, repair shop, service station or public parking place.
Maine sets $25,000 — higher than 23 of the 51 jurisdictions on this site. The range runs from $5,000 to $50,000.
How Maine compares with every other state
What these numbers buy you
Those first two numbers are two different walls, and drivers regularly mistake them for one. $50,000 is the most the policy pays for any single person's injuries. $100,000 is the ceiling for everyone hurt in the same crash put together. Injure one person badly and $50,000 is all your insurer owes, however large the bill. Injure three people and they divide $100,000 between them. Anything a court awards above those lines is yours to pay, and it does not go away when the policy runs out.
The $25,000 of property damage cover is the figure drivers look at last and need first. It pays for what you hit — the other car, a guardrail, a storefront — and nothing else. Only 2 states on this site set a higher one. Whatever the repair or replacement actually costs above $25,000 is not covered by this policy, and the difference is a debt in your name rather than your insurer's.
None of this is what Maine drivers actually spend. The average premium written per insured vehicle here was $336 in 2023, 46th highest of 51 states and DC — and that average covers policies far above the legal floor, not the bare minimum on this page.
Carrying the minimum is legal, not safe. It is the line below which Maine will not let you drive — and the penalties for falling under it are on the driving uninsured page.
Common questions
Is uninsured motorist coverage required in Maine?
Required; limits match your liability limits unless you reject them in writing.
Is PIP required in Maine?
Not used — $2,000 of medical payments coverage is compulsory instead.
Is full coverage required in Maine?
No. Collision and comprehensive — the two coverages people usually mean by "full coverage" — are not part of what Maine law requires. A lender or leasing company will usually require them until the car is paid off.
What changed
July 1, 2024
Every Maine policy must now carry $500 of towing and storage coverage
P.L. 2023, ch. 395 (L.D. 1661) added a fifth compulsory item to Maine's minimum coverage list: up to $500 per accident for the reasonable towing and storage charges of the insured vehicle when it is towed at a law enforcement officer's request. It applies to policies executed, delivered, issued for delivery, continued or renewed on or after July 1, 2024, so an in-force policy picked the coverage up at its next renewal rather than on the effective date. The liability limits themselves did not move — 50/100/25 and the $2,000 medical payments floor were both set by P.L. 2007, ch. 213. The Bureau of Insurance's own "Insurance Required by Law" page still lists only liability, medical payments and uninsured motorist coverage and omits the towing item.
P.L. 2023, ch. 395 (L.D. 1661), §§ A-1 to A-4 — chaptered law
Why the rule looks like this
- What Changed in 2026Liability minimums doubled in Hawaii, two states dropped pure comparative fault, New Hampshire stopped inspecting cars, and three crash reporting thresholds moved — a dated account of the 2026 changes, and the ones already signed for 2027 and beyond.
- Fifteen Thousand Dollars, or Two Hundred and Fifty ThousandThe legal minimum for injuring one person in a crash ranges from $15,000 in Pennsylvania to $250,000 in Michigan — and in Florida there is no bodily injury requirement at all.
More on Maine
Checked against the primary sources above on September 29, 2026. If a figure here is wrong, tell us and we will fix it — what we have corrected so far is public.