Auto Insurance Laws and Trends in ME

Auto insurance regulations in Maine are relatively straightforward. Some of their laws include the Maine laws listed below, which govern the amounts of auto insurance coverage required.

Minimum required liability coverage in Maine

All motorists must carry bodily injury coverage for at least $50,000 per person and $100,000 per accident; property damage coverage for at least $25,000; Personal injury protection for at least $2,000; and under/uninsured motorist coverage for at least $50,000 per person and $100,000 per accident. Motorists can choose to purchase a combined coverage for $125,000.

Discounts: All insurers must provide discounts to policy holders for: owning more than one vehicle on a policy, placing more than one type of insurance with the same company, taking an approved drivers education course, being a good student, mature driver, having anti-theft and safety devices in the vehicle, and renewal discounts.

Maine enjoys lower insurance premium rates than the national average.

Teenagers and auto insurance in Maine

Teenagers account for many collisions and fatalities because of their inexperience. Maine has implemented several laws in order to lower these injury and fatality rates and to help educate teenagers in driving safety and the rules and regulations they must follow. Some of these laws are:

• Anyone under the age of 18 cannot talk or text on a cell phone while driving.
• The legal alcohol limit is 0.08%, but there is zero tolerance for anyone under the age of 18.
• Teenagers must maintain a B average in school and complete an approved driver's course in order to retain their driving privileges.
• A driver with a learner's license must be accompanied by an adult who is at least 20 years of age.
• A driver with an intermediate license cannot carry any passengers unless they are family members.

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