Buy Cheap Maine Auto Insurance in 2024
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State Coverage Requirements
Coverage Type
State Coverage Requirements
Bodily Injury Liability
$50,000 limit per person / $100,000 limit per accident
Property Damage Liability
$25,000 limit
Collision
Not required, but recommended
Comprehensive
Not required, but recommended
Medical Expenses
$2,000
Personal Injury Protection (PIP)
Not required
Uninsured Motorist
$50,000 limit per person / $100,000 limit per accident
Underinsured Motorist
Combined with uninsured motorist coverage
Property Protection (PPI)
Not required
Average rates vs National Average
Cellphone/Texting
Buy Cheap Maine Auto Insurance in 2024
Explained
Hand-Held Cell Phone Ban:
No
No.
All Cell Phone Use Ban for Novice Drivers:
Yes
Drivers under the age of 18 cannot use a cell phone at all while driving.
Texting Ban:
Yes
In Maine, text messaging is banned for all drivers.
DUI Laws
Buy Cheap Maine Auto Insurance in 2024
Explained
The legal limit for a blood alcohol concentration (BAC):
0.08
The legal limit for a blood alcohol concentration (BAC) while driving is 0.08. It is a crime to drive with a BAC at this number or above it.
Increased penalty for high BAC:
.15 or above
There's an increased penalty for driving with a BAC 0.15 or above.
1st offense Suspension:
90 days
Administrative license suspension on the 1st offense: In Maine, law enforcers can confiscate a first-time offender's driver's license for 90 days if he or she exceeds the legal limit. Limited driving privileges, such as to and from work, are permitted.
Ignition Interlocks:
Highly incentivized for all convictions
These are devices installed in the cars of convicted drunk drivers, which analyze the breath or the driver before starting the vehicle and disable the ignition if alcohol is detected. Maine made the installation of ignition interlocks highly incentivized for all convictions.
Repeat Offenders:
Yes
Minumum penalities for repeat offenders include suspension of driving privileges for no less than one year, impoundment or immobilization of any and all of the offender's vehicles, or the installation of ignition interlocks to all vehicles owned by the offender, mandatory alcohol assessment and treatment, and a sentence of at least five days of imprisonment or 30 days of community service for a second-time offender. Third-time and further offenders can see at least ten days of imprisonment or 60 days of community service.
Open Container Law:
Yes
No driver or passenger can have any bottle, can, or other receptacle that contains any amount of alcohol that is open or unsealed in his or her possession or in any area of the vehicle where it would be easily accessible, including the glove compartment, by the driver or passengers. Open alcoholic beverage container can remain in the trunk of a vehicle or behind the last upright seat or in an area not normally occupied by the operator or passenger in a vehicle with no trunk.
Graduated Drivers License
Buy Cheap Maine Auto Insurance in 2024
Explained
Learner Stage:
(Supervised driving, to be completed with a driving test): At 15 years of age, individuals can begin driving with supervision for a period of time lasting a minimum of six months. In this stage, the new drivers are required to get 70 hours of supervised driving hours, 10 of which need to be at night.
Intermediate Stage:
Min. Age: 16
Night Driving Restriction: Midnight-5am
Passenger Restriction: No passengers for the first 9 months
(Some limits are applied to unsupervised drivers in high-risk situations): Drivers who passed the driver's test at 16 are now unsupervised drivers in the intermediate stage. These drivers are not allowed to drive between the hours of midnight and 5am and cannot drive with with any passengers for the first nine months.
Full Privilege Age:
Age: 16.75
(Full driver's license): At the age of 16 and nine months, Maine drivers can now get a standard driver's license without any restrictions. At 16 and six months, there are no more night driving restrictions.
Speed Limit
Rural Interstates:
SPEED LIMIT
75
MPH
SPEED LIMIT
75
MPH
Urban Interstates:
SPEED LIMIT
75
MPH
SPEED LIMIT
75
MPH
Other Limited Access Roads:
SPEED LIMIT
75
MPH
SPEED LIMIT
75 MPH
Page Source: ghsa.org
Buy Cheap Maine Auto Insurance in 2024
Department of Insurance
Website: www.maine.gov/pfr/insurance/
Address: 34 State House Station, Augusta, Maine 04333
Phone: 207-624-8475 or 800-300-5000 (toll free in Maine)
Buy Cheap Maine Auto Insurance in 2024
DMV Information
Website: www.maine.gov/sos/bmv/
Phone: 207-624-9000