Maine Car Insurance – Auto Insurance Quotes in ME
Each season in Maine has its natural hazards; winters bring snow and ice, while rain and flooding are frequent in spring and summer. In fact, the coastal landscape of Maine is called a drowned coast, where rising sea levels invade land features, creating bays from valleys and islands from mountaintops. However, despite this natural nuisance each year, tourists love Maine, meaning there are always drivers and other hazards to consider, which is why drivers should be aware of Maine’s car insurance requirements.
Maine Car Insurance Requirements
Maine’s government, like many others states, decided to follow the tort system. This means that someone will always be found at fault in the event of an accident. That person and their car insurance company will then be liable for all damages caused during the accident. Because of this, it is important for Maine drivers to at least have the minimum insurance liability coverage.
MyCarInsuranceRates.com provides information to Maine drivers to help them determine the right level of car insurance coverage required to meet state laws. We can also assist drivers to find the cheapest auto insurance quotes in the state.
Understanding Maine Car Insurance Liabilities & Coverage
Maine car insurance laws require drivers to buy a basic coverage of 50/100/25, with 50/100 UM limits. This equates to bodily injury liability limits of $50,000 per injured person with a minimum of $100,000 per accident, offering medical expenses liability protection. Furthermore, drivers must also have a minimum limit of $25,000 property damage liability coverage, which covers both public and private property damage. In addition, minimum uninsured and underinsured motorist coverage of $50,000 per person up to a total of $100,000 per accident is mandatory.
One other thing Maine requires that is different from most states is medical payments (MP) coverage at a minimum $1,000 limit. Medical payments coverage pays for medical and funeral expenses in the event that a driver, passengers, or others are injured or killed during the accident.
Maine Insurance Coverage
- Bodily Injury Liability: $50,000/$100,000 Limit
- Property Damage Liability: $25,000 Limit
- Uninsured/Underinsured Motorist Bodily Injury: $50,000/$100,000 Limit
- Medical Payments: $1,000 Limit
MyCarInsuranceRates.com can help drivers meet these state car insurance requirements affordably by having the best car insurance companies in the country provide free, cheap car insurance quotes online and compete for their business.
Maine Car Insurance Laws & Regulations
Driving without insurance is a traffic infraction and a class E crime. Drivers caught driving without proper auto insurance in Maine will receive a fine of between $100 and $500, and possibly have their license and vehicle registration suspended for up to 30 days. To get their driving privileges restored, drivers must provide proof of current auto insurance to the Bureau of Motor Vehicles.
The penalties for driving without registration or an inspection sticker in the state of Maine are also quite steep. A class E crime can result in arrest and appearance before a district court judge. The maximum jail sentence for conviction of a class E offense is 6 months.
Average Maine Car Insurance Rates
The average auto insurance premium for Maine drivers in 2010 was $1,128; the national average was $1,538. Given the substantial savings over the national levels, some people think they cannot get cheaper rates, so they never shop around for better car insurance. In reality, every driver’s rates will be different with each auto insurance company, which is why drivers have to compare car insurance quotes to see if they are overpaying for their insurance. MyCarInsuranceRates.com helps Maine drivers get the best rates and policies available in the state, so drivers can get a low rate on their car insurance.
Maine Car Insurance Quotes
Maine’s car insurance rates have changed substantially in recent years. Current average car insurance rates for Maine drivers were 20% lower in 2010 than the same policies were in 2009. Any driver who has not recently compared rate quotes to their current policy may be overpaying their premiums by hundreds of dollars.
MyCarInsuranceRates.com will bring you competitive, free car insurance quotes from top car insurance companies, such as Nationwide, Allstate, GEICO, Progressive, 21st Century Insurance, Liberty Mutual, State Farm, Farmers Insurance, AAA, AARP, and Esurance. By allowing car insurance companies to compete for your business, consumers can find the best, cheap Maine car insurance.
It’s simple and easy to get your free quote online with us, so why not start right now. Enter your zip code now and get a low car insurance quote.
