Minimum Coverage Car Insurance Cost in Maine
Minimum coverage car insurance in Maine costs about $480 a year ($40 a month), which is 38% below the US average. Most prices fall from $280 to $870.
Minimum Coverage Car Insurance Cost in Maine
| Low | Typical | High | |
|---|---|---|---|
| Maine | $280 | $480 | $870 |
| US average | $450 | $780 | $1,400 |
Insurers price by state because accident rates, theft, storms and legal costs differ from place to place. We rank Maine number 2 of 51 from cheapest to most expensive (1 is cheapest). State factor used: 0.62 (1.00 is the US average).
What the price covers
The figures are for state-minimum liability only, clean record. Minimum liability pays for damage you cause to others, not your own car. Limits differ by state.
Ways to pay less in Maine
- Minimum limits are low. One serious accident can exceed them and leave you personally liable.
- Many drivers add higher liability limits for a small extra cost.
- Check your state's minimum limits on its DMV or insurance department site.
Frequently asked questions
How much is liability insurance for a car?
In Maine the typical price is about $480 a year ($40 a month), with a range of $280 to $870.
Is minimum coverage car insurance more expensive in Maine than average?
It is 38% below the US average of $780.
Is this a quote?
No. It is a modelled estimate. Get quotes for your exact situation.
Sources and method
- Insurance Information Institute: auto and homeowners insurance facts
- NAIC: average premium reports and consumer insurance guides
- Estimates only, not an insurance quote
Page last updated November 2026. See our editorial policy and disclaimer.