Located in the northeastern most part of America and New England, Maine is a state famous for its Lobster and Clams. This is mostly due to it being a state built on ship building, fishing, and coastline tourism. The inland has universities and is popular to skiers and snowboarders, as well as, game hunters even though a good portion is natural preserves. Most of the boarder that is not coastline is along the country of Canada and a lot of freight goes from New England to Canada via the state of Maine. There is a passenger airport but it does not have much connectivity aside from a few major airports in the east side of America. Rail systems are infrequent but do provide good connectivity to Boston and along the way to Massachusetts.
This means the greater population relies on automobiles for daily commute. Fortunately, there is low cost auto insurance as it is; however it does have unique characteristics. Other forms of insurance can be costly, such as ship and home. The topic we are concerned with is automotive insurance. For the average driver, there should be saving to be had. For those with offenses, it can double quicker than the blink of an eye. The state of Maine prides itself on clean roads, a healthy environment, and good people so it is no surprise their maintenance of good driving habits is no exception and held in high regard.
Average Auto Insurance Prices in Maine
*Current Average Annual Auto Insurance Premiums in Maine: $750 ! –> $500 (low average) – $1,000 (high average)
*Bethel: $796 *Gorham: $764 *Portland: $782 *York: $763 *Augusta: $800 *Houlton: $736 *Bangor: $762 *Frenchville: $747 *Caribou: $736
Maine Minimum Auto Insurance Requirements
The state of Maine has, like many states in America, require some form of State Requirements. Some find it best to customize their premiums by adding policies and extra coverage. Here are some numbers to show the difference in scales and it, any, apply to your desired coverage.
Maine State Auto Insurance Requirements
- Bodily Injury Liability: $50,000/$100,000
- Property Damage: $25,000
- Uninsured Motorist Bodily Injury: $50,000/$100,000
- Medical Payments: $2,000
- Collision: Not Required
- Comprehensive: Not Required
Most Common Coverage Amounts In Maine
- Bodily Injury Liability: $100,000/$300,000
- Property Damage Liability: $50,000
- Uninsured Motorist Bodily Injury: $100,000/$300,000
- Medical Payments: $5,000
- Collision: 500 deductible
- Comprehensive: 100 deductible
New drivers, student drivers, and young drivers on the first time, all have necessity in learning the rules of the road.
Graduated Driver Licensing (GDL) in Maine
Minimum Entry Age: 15; Optimal 16
Extended Learner Period: Optimal after 6 months
Parent Certification: Optimal at 30 hours minimal
Night Restriction: 9 or 10 PM is optimal
Passenger Restriction: No teenage passengers or only one member of the family is optimal.
Minimum exit age from restrictions: 16.5 years, but optimally 18.
The Penalties for Driving Without Insurance in Maine
Maine prides itself in its road cleanliness, driving maintenance, and international respect. There can be penalties in Maine if you not insured. Failure to maintain financial responsibility holds some basic principals. Proof on insurance at the time of registration is required but if you lapse in coverage by not paying, you could face fines, a ticket, or registration and license suspension. If you are summoned off the road and do not have proof of insurance, then you have to immediately purchase a policy with ample coverage and perhaps even an SR-22. If this is not met, it can also account for a result in one of the penalties mentioned above.
How to Obtain Great Auto Insurance in Maine Via 4-Insure.com
Using 4-Insure to work for you is as easy as filling in your zip code, driving history, and vehicle you operate, so that you can process which rate, policies, and premium meet your needs and budget. You can start by using our convenient quote tool to see the ranges we have established just for you. Keeping the best agencies and agents in our database of partnerships, we make sure you are given the best of the best.