How much is car insurance in Maine per month?

Drivers in Maine need $50,000 of bodily injury liability insurance per person (up to $100,000 per accident) and $25,000 of property damage liability insurance. Maine also requires MedPay and uninsured motorist insurance. MedPay covers medical expenses for you and your passengers after an accident, and UM replaces the liability coverage an at-fault driver should’ve had and pays for your costs up to your policy limits.

Here’s How Much Car Insurance Drivers Need in Maine:

Car insurance in Maine is actually not very expensive compared to the national average, thanks to low population density and the lowest rate of uninsured drivers in the U.S. In Maine, you can expect to pay around $2,536 per year for full coverage car insurance, compared to the national average of $4,211 per year. Car insurance in Maine is less expensive than the national average, which is around $4,211 per year for full coverage and about $1,407 per year for minimum coverage.

The cost...

The penalties for driving without insurance in Maine can include fines up to $500, fines and suspension of your license and registration. Penalties for repeat offenses may be even harsher. You can avoid these consequences by meeting Maineu2019s minimum car insurance requirements.

Penalties for Driving Without Insurance inMaine

Not having car insurance and not being able to prove that you have it are two different violations. If you have insurance but cannot prove it when you get pulled over or at the scene of an accident, you are guilty of an "administrative violation", similar to a seat-belt ticket. In Maine, your citation might be dismissed if you can provide the court with proof of valid insurance for the date of the citation within 30 days.

Driving without car insurance at all is much more serious, and the penalties are more severe. In addition to the legal consequences, you can also expect your car insurance premium to go up.

You can avoid these consequences by meeting Maine's minimum car insurance requirements.

Required Car Insurance in Maine

• $50,000 in bodily injury liability coverage per person
• $100,000 in bodily injury liability coverage per accident
• $25,000 in property damage liability coverage per accident
• $2,000 in MedPay
• $50,000 per person and $100,000 per accident in uninsured/underinsured motorist coverage

The key to maintaining the minimum amount of coverage required by Maine is to find a policy you can afford. If your coverage has already lapsed, start by comparing quotes from the insurance companies WalletHub's analysis identified as having the best post-lapse rates.

Best Car Insurance in Maine After a Lapse in Coverage

• USAA
• State Farm
• Geico
• Auto-Owners
• Travelers

Drivers in Maine pay an average of $896 per year to maintain the minimum amount of coverage. That's nothing compared to the consequences of driving without insurance, especially if you get into an accident.

What Happens If You Get Into a Car Accident Without Insurance in Maine?

1. If you get into an accident: all penalties will apply.

If you get into an accident while driving without insurance in Maine, you will incur the penalties for driving without insurance no matter who is at fault. Driving uninsured can make it difficult to be compensated for damages if you are not at fault and can have long-lasting and life-changing consequences if you are at fault.

2. If the accident is your fault: you'll have to pay for all the damages out of your own pocket.

In addition to the legal consequences of driving without insurance, you could easily be responsible for tens of thousands of dollars or more in damages to your vehicle, the other driver's car repairs and hospital bills, and your own medical care. You could face mounting debt or even bankruptcy, especially if the other driver doesn't carry uninsured motorist coverage or personal injury protection.

3. Even if you were not at fault or only partially at fault, there will be other consequences.

Driving uninsured doesn't negate the other driver's fault entirely, but you're almost certainly going to be penalized and unable to recover everything you would be entitled to if you had insurance. In at-fault states such as Maine, the driver who caused the accident is usually responsible for damage to your car and any medical treatment you may need. However, Maine uses a modified comparative negligence system, which means you may not be able to recover all the costs associated with the accident if you are found even partially responsible for causing it. This would leave you to cover these costs out of pocket if you were uninsured at the time.