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Auto Insurance in Maine

Maine has much higher minimum requirements for auto insurance as part of their financial responsibility law. They do this to alleviate some of the financial stress that is involved in the event of an accident with an uninsured or under-insured motorist. Auto insurance in Maine is required in the following amounts and types of coverage:

•     Liability Coverage
  •     $50,000 per person for bodily injury or death
  •     $100,000 per accident for bodily injury or death
  •     $25,000 property damage coverage per accident
•     Uninsured Motorist Coverage
  •     $50,000 per person for bodily injury
  •     $100,000 per accident for bodily injury
•     Medical Payments Coverage of $1,000

If you don't want to purchase a traditional policy with split limits, you can also purchase $125,000 in combined coverage which will cover injury, death, and property damage. Although the state limits are relatively high, that doesn't guarantee that your insurance will cover all the expenses of an accident. Thus, you should always check into getting higher limits on your coverage if it is affordable to you. Many people don't realize that getting higher coverage limits won't cost much more than the minimum requirements.

You can shop around and compare insurance rates and various coverage amounts to find the auto insurance in Maine that works for you. Don't settle for the first policy that you find, because you may miss a better deal or a better company. Instead, invest the time and effort into your auto insurance search to be an informed consumer before you purchase an auto insurance policy.