Maine is the largest of the New England States and it borders with Canada making it a popular tourist site for Canadians as well.  Because it is a northern state it also experiences harsh winters and well as a high level of tourism.  It is essential that the residents of Maine carry sufficient auto insurance in order to drive safely on the roads. Maine residents are fortunate enough to be among the states with the lowest average auto insurance rates.  Furthermore, Maine auto insurance rates dropped by 5.8% between 2006-2007.  The average Maine auto insurance rate was $1403.00 and that brought Maine under the national average of $1896.00 by $493.00.

Maine Auto Insurance Requirements

The State of Maine has the highest Bodily Injury and Property Damage Protection minimums in all the states.  Maine auto insurance has to meet the demands of the road. The requirement for Bodily Injury and Property Damage protection is set at 50/100/25 and the breakdown is at follows:

• Bodily Injury Liability – Bodily Injury Liability requirement set by law for Maine auto insurance is $50,000. This amount is to be used for payout requirement by the at fault driver for medical expenses of the other driver or passengers driving in that car.
• The maximum payout for medical expenses required by more that one person is set at $100,000.
• Property Damage Liability  – Property Damage Liability is intended to insure the at fault driver against car damages sustained on the other vehicle and damage to personal and public property such as homes, buildings and traffic signs. This amount is set at $25,000.00.

Residents of Maine should also carry comprehensive and collision in case they are found to be at fault, this insurance will cover damage on their own car, and it will also cover damage caused by contact with wildlife or natural causes such as storm damage.

Maine requires its drivers to carry Uninsured/Underinsured Motorist coverage in case the driver at fault for the accident is underinsured or is not insured at all. That way the insured will still have funds to pay their own vehicle damage and or medical bills.  Maine auto insurance for UM benefits also protects against damage caused by a hit and run driver.