Here’s a handy summary of the latest available information about purchasing and maintaining insurance for vehicles owned in Maine.  This info can be used to custom design the optimal auto insurance coverage package at the lowest possible rates.

Maine Minimum Liability Coverage

Maine state law requires a minimum auto insurance coverage of 50/100/25.  That means vehicle owners in Maine must purchase at least $50,000 in Personal Injury Protection, $100,000 coverage for others who are injured, and $25,000 coverage against property damage.  Maine and Alaska have the highest minimum required auto accident liability limits in the U.S.

Penalties for Driving Without Insurance in Maine

The penalty for driving an uninsured vehicle in the state of Maine is a fine of up to five hundred dollars and a suspended license for thirty days.  Repeat offenders face harsher penalties.

Auto Insurance Rates in Maine

Despite the state’s lofty liability minimums, Maine has the lowest average car insurance premiums of all U.S. States.  The average annual auto insurance premium in the state of Maine was about $1,150 in May of 2013.  Compare that to the national average of $1,670 at the time.  According to analysts at Top50States.com, a number of circumstances contribute to Maine’s low rates.  For instance, Maine has the lowest percentage (less than 5%) of uninsured vehicles in America.  Maine also has the highest median age (40.7), a low population density, and one of the nation’s lowest crime rates.  Finally, Maine is virtually free of major natural disasters like earthquakes, tornadoes and floods.

Low Cost Car Insurance Programs in Maine

As mentioned, the state of Maine already has the lowest average annual car insurance premiums in the United States.  But Falmouth has the lowest average premiums in the entire state of Maine.  Surely, one way for car owners in Maine to lower their premiums is to move to Falmouth.

Failing that, many carriers offer discounts.  Drivers who avoid accidents and moving violations for three years can get an Accident-Free discount or a Good Driver discount.  Academic excellence is rewarded with a Good Student discount.  People who own more than one car might score a Multiple Auto discount.  Senior citizens earn discounts for completing a defensive driving course.  Other discounts include the Multiple Policy discount, the Passive Restraint discount and the Vehicle Safety Discount.

Obtaining Auto Insurance Quotes in Maine

According to customer satisfaction ratings and online reviews, the most popular auto insurance providers for drivers in the state of Maine are AAA, Allstate, Esurance, Geico, Progressive, State Farm and Liberty Mutual Insurance.  All insurance carriers offer similar deals and discounts.  Maine is home to dozens of companies offering car insurance at “rock bottom” rates.  Call a few of them to obtain and compare free quotes.  If you live in Maine (especially Falmouth), you might just end up with the lowest car insurance premium in the whole USA.