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Maine Minimum Car Insurance and Penalties for Driving Without It
The short answer
Maine requires liability insurance of at least $50,000 per person and $100,000 per accident for injuries, and $25,000 for property damage (50/100/25). Other required coverage: UM, med pay $2,000, towing $500.
Maine at a glance
| Minimum liability | $50,000 per person and $100,000 per accident for injuries, and $25,000 for property damage (50/100/25) |
|---|---|
| Other required coverage | Medical payments coverage of $2,000, towing and storage coverage of $500, and uninsured vehicle coverage at least equal to the bodily injury liability minimum are required. You can reject uninsured vehicle limits above the minimum, but not the coverage itself. |
| First offense for driving uninsured | Driving without insurance is a traffic infraction, and a fine of $100 to $500 can be assessed. Thirty days after the Secretary of State receives the record, your license and registration are suspended until you provide proof of financial responsibility, and you become subject to the proof of financial responsibility (SR-22) requirement. |
| Repeat offense | State law sets no separate repeat penalty, but driving without proof of financial responsibility while you are required to keep it on file is a Class D crime. |
| Fee to restore after a lapse | The general reinstatement fee is $50 for suspensions not related to OUI or test refusal. |
Penalties depend on the court and your record; your citation or notice decides what applies to you.
FAQ
What is the minimum car insurance in Maine?
Maine requires liability insurance of at least $50,000 per person and $100,000 per accident for injuries, and $25,000 for property damage (50/100/25). Other required coverage: UM, med pay $2,000, towing $500.
What happens if you drive without insurance in Maine?
Driving without insurance is a traffic infraction, and a fine of $100 to $500 can be assessed. Thirty days after the Secretary of State receives the record, your license and registration are suspended until you provide proof of financial responsibility, and you become subject to the proof of financial responsibility (SR-22) requirement.
Sources
- www.maine.gov/financial-responsibility
- www.mainelegislature.org/title29-Ach13.pdf
- www.mainelegislature.org/title29-Asec2486.html
- www.mainelegislature.org/title29-Asec1605.html
- www.mainelegislature.org/title29-Asec1603.html
- legislature.maine.gov/title29-Asec1601.html
- legislature.maine.gov/title29-Asec1605.html
- legislature.maine.gov/title24-Asec2902.html
- legislature.maine.gov/title29-Asec2486.html