Frequently Asked Questions

Can I keep the car insurance I have from my previous state of residence?

No, you cannot have a car insurance policy from another state while residing in Maine. Once you become a Maine resident, you must register your vehicle with the DMV. To register your vehicle you must provide proof of a car insurance policy that was written in Maine.

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Do I need to cancel my insurance if I am moving to another state?

When relocating outside the state of Maine, drivers must contact their car insurance company to find out how to switch their policy over to their new sate of residence. Because liability coverage standards vary from state to state, drivers must update their information with their insurance company to adjust their coverage which will in turn change their rates. Also, not all insurance companies operate in all states, so it is possible that drivers may end up having to find a new car insurance provider when relocating.

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How can I avoid a license suspension if I choose not to insure my vehicle?

Trying to find a way to avoid driver s license suspension due to lack of car insurance is probably to the best use of resources. The fear of getting caught driving without car insurance is likely to expend a lot of time. Instead, shop online car insurance providers that will fit your budget and help you meet the minimum liability car insurance coverage in Maine.

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If I have been in an accident, what property damage do I have to report?

If you have been involved in an automobile accident with apparent property damage in the amount of $1,000 or more, the accident must be reported to your car insurance company. This information should be reported to your insurance provider immediately following the accident.

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If I live outside of the state for half the year, am I still required to have car insurance?

Yes, all drivers that are residents of the state of Maine must maintain minimum liability car insurance on their vehicle that is registered in Maine. Failure to do so could result in a driver s license suspension.

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What is the minimum liability insurance coverage?

The minimum liability vehicle coverage required by Maine law is:

  • $50,000 for injury or death of one person.
  • $100,000 for injury or death of one person/one accident.
  • $25,000 for property damage.

Additionally, drivers must obtain the following minimum auto coverage:

  • $50/$100 uninsured motorist bodily injury
  • $100,000 combined single limit
  • $2,000 medical payments coverage

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What proof of insurance can I provide when registering my car?

Proof of car insurance is mandatory in order to apply for car registration. The Maine DMV will accept the following forms to show proof of auto insurance:

  • Insurance ID card
  • Insurance policy
  • Insurance binder
  • A letter from the insurance company stating that the vehicle has liability coverage

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What type of car insurance am I required to have?

The minimum car insurance required in the state of Maine includes liability bodily injury, property damage and uninsured motorist coverage. Drivers are also required to obtain minimum uninsured motorist and medical coverage.

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What will happen if I fail to get or keep car insurance?

Drivers who fail to provide valid proof of car insurance to a law enforcement officer will be subject to a driver s license suspension as well as being barred from applying for car registration renewals. Furthermore, uninsured motorists will be made to file proof of financial responsibility with the Maine DMV in the form of an SR22 insurance certificate in order to reinstate a suspended rivers license.

For more information: Maine Auto Insurance – Get a Quote and Save

Which types of vehicles need to be insured?

Maine requires that all registered motor vehicles carry at least liability car insurance. The types of vehicles that are required to be insured include passenger cars, motorcycles, and RVs.

For more information: Maine Auto Insurance – Get a Quote and Save