Minimum car insurance in Maine.
What Maine requires, in plain words, and why the minimum may not be enough.
The minimum limits
In Maine, the minimum liability limits are written 50/100/25 (in thousands): $50,000 for injury to one person, $100,000 for injury to everyone in one accident, and $25,000 for property damage.
How the system works
Maine is generally an at-fault (tort) state, so the driver who causes a crash is responsible for the other party’s losses. That is why liability limits matter so much.
Tort (at-fault) state. UM/UIM required at 50/100 and med pay $2,000 required. A $125,000 combined single limit also qualifies.
What the minimum means in practice
Say a crash you cause injures three people. The Maine minimum pays at most $50,000 to any one of them and $100,000 in total, shared between all three. Any medical bills above that could become your responsibility. Property damage stops at $25,000.
If you drive without insurance in Maine
Operating, or knowingly letting someone operate, a vehicle without required proof of financial responsibility is a Class D crime under 29-A M.R.S. 1605(6). The statute text read does not state a fine amount.
Proof of insurance
An officer who stops a driver for a moving violation must request evidence of insurance, and the driver may show it electronically as an image on a portable electronic device.
SR-22 and similar filings
The Bureau of Motor Vehicles page refers to a Certificate of Insurance (SR-22) and says the insurer can file it online through tylerinsurancefilings.com; it does not explain when one is required.
Also worth knowing in Maine
The Bureau of Insurance states that insurance is required on all motor vehicles in use in Maine.
Your state regulator
Maine Bureau of Insurance is the official place for consumer questions and complaints about insurers.
Sources we checked (October 2026)
Requirements change. We checked the pages below. Confirm with your state insurance department or an agent.
Questions
Is Maine a no-fault state?
Maine is generally an at-fault state.