Question 1

How much does Maine auto insurance cost per month?

Accepted Answer

On average, Maine minimum liability insurance costs $32 per month or $384 annually, and Maine full coverage insurance costs $89 per month or $1,068 per year.

Question 2

Do drivers need insurance to drive in Maine?

Accepted Answer

Yes, you must carry insurance to drive legally in Maine. You&#8217;ll need to carry the state&#8217;s minimum coverages, including bodily injury liability, property damage liability, uninsured/underinsured motorist coverage, and medical payments.

Question 3

Which company actually has the cheapest car insurance?

Accepted Answer

While it truly depends on the driver and their coverage needs, one of the insurance companies in Maine that&#8217;s consistently cheaper is State Farm. GEICO and Travelers also have some of the lowest auto insurance rates.

Question 4

What are the minimum auto insurance requirements in Maine?

Accepted Answer

In Maine, the minimum auto insurance requirements are as follows:

$50,000 bodily injury liability coverage per person
$100,000 bodily injury liability coverage per accident
$25,000 property damage liability coverage per accident
$2,000 medical payments coverage (also known as MedPay)

Question 5

Can I drive in Maine without insurance?

Accepted Answer

No, it is illegal to drive any registered vehicle in Maine without proper auto insurance coverage. Failure to maintain the required insurance can result in fines, license suspension, and other penalties.

Question 6

Are there any additional auto insurance coverage options in Maine?

Accepted Answer

Yes, in addition to the minimum required coverage, you have the option to purchase additional coverage such as:

Collision coverage: Covers damage to your vehicle caused by a collision with another vehicle or object.
Comprehensive coverage: Protects against damage to your vehicle from non-collision events like theft, vandalism, or natural disasters.
Uninsured/underinsured motorist coverage: Provides coverage if you are involved in an accident with a driver who has no insurance or insufficient insurance.
Personal injury protection (PIP): Covers medical expenses and other related costs for you and your passengers, regardless of fault.

Question 7

How are auto insurance rates determined in Maine?

Accepted Answer

Auto insurance rates in Maine are determined based on various factors, including your driving record, age, gender, location, type of vehicle, coverage options, and credit history. Insurance companies use these factors to assess the level of risk you present and calculate the premium you will pay.

Question 8

Can my insurance company cancel my policy in Maine?

Accepted Answer

Yes, insurance companies have the right to cancel your policy in Maine under certain circumstances. However, they must provide a valid reason for cancellation, and they are required to give you notice in advance. Reasons for cancellation may include non-payment of premiums, license suspension, or providing false information on your application.

Question 9

Is Maine a no-fault state?

Accepted Answer

No, Maine is an-fault state, which makes it important to carry the right Maine auto insurance coverages to protect yourself.

Tag: Maine

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Maine Auto Insurance (2024)

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Tag: Maine

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Maine Auto Insurance (2024)

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