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Maine Car Insurance Laws

Auto insurance laws vary from state to state, and what is required in one state may not be required in another so it is important to know the regulations in Maine. The penalties and fines for not having proper insurance can be expensive so make sure you know what is required in Maine.

ME Auto Insurance Laws and Regulations:

Department of Professional & Financial Regulation / Maine Bureau of Insurance
No. 34 State House Station
Augusta, ME 4333

Minimum Car Insurance Coverage in ME:

$50,000 for injury/death to one person

$100,000 for injury to more than one person

$25,000 for damage to property

ME Insurance is Not Required on:

Off-highway vehicles

Non-registered nonoperational vehicles

ME Uninsured Penalties:

Caught driving without proper auto insurance in Maine? You will receive a fine of between $100 and $500, and your license and vehicle registration can also be suspended. To get your driving privileges restored you must provide proof of current auto insurance to the Bureau of Motor Vehicles. - (Being found without insurance is a traffic infraction (and also a Class E crime) for which a fine of not less than $100 and not more than $500 may be assessed. Your license and vehicle registration can also be suspended. The suspension will continue until financial responsibility is proven and there are other requirements that might be compulsory. You might then have a restricted license for a period of time as well.)

The penalties for driving without registration, insurance or an inspection sticker in the state of Maine are quite steep. An expired registration will get you a warning and summons. If the car has not been registered at all or within the last 150 days and you are stopped by a law enforcement agent it will be considered a Class E crime. In Maine a Class E crime can allow you to be arrested and go before a district court judge. The maximum term for being found guilty of a Class E offense is 6 months.

Being caught driving without an inspection sticker is a traffic infraction. Unless otherwise specified by the jurisdiction you are in, this again is a Class E crime, which is punishable by a fine of not less than $25 nor more than $500 or by imprisonment for not more than 30 days or both.

ME Department of Insurance Contact Information:

1-207-624-8475 or
Toll Free: 1-800-300-5000

ME State Insurance Department Website:

Directory of Maine Auto Insurance Agents by County


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