Maine boasts some of the lowest car insurance rates in the country, supported by low traffic density, minimal urban congestion, and a strong no-fault insurance system. The state’s predominantly rural character and excellent driver safety record help maintain affordable premiums.
Maine Auto Insurance Facts
Drivers
- ~670,000–690,000 licensed drivers as of 2023.
- ~93% of households own at least one vehicle.
- Predominance of sedans and smaller vehicles.
- Uninsured driver rate under 5%.
- Public transit is limited outside of Portland.
Accidents
| Year |
Reported Crashes |
Injury Crashes |
Fatal Crashes |
| 2018
| ~13,800
| ~4,200
| 74
|
| 2019
| ~14,100
| ~4,300
| 68
|
| 2020
| ~12,500
| ~3,700
| 72
|
| 2021
| ~13,400
| ~4,000
| 65
|
| 2022
| ~13,700
| ~4,100
| 70
|
Laws & Regulations
- No-fault insurance system with mandatory PIP coverage.
- Uninsured motorist coverage mandatory.
- Strict state regulations protect consumers.
