Insurance Requirements for Car Registration in Maine

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In Maine, all drivers are required to carry liability automotive insurance, or “financial responsibility,” in order to operate a vehicle legally and maintain vehicle registration. This law applies to any driver who has lived in Maine for at least 30 days.

The minimum financial responsibility requirements for drivers in Maine are as follows:

  • A minimum of $50,000 per person, for bodily injury or death. This means you’ll need to carry a minimum of $100,000 to cover the lowest possible number of people involved in an accident (the two drivers).

  • A minimum $25,000 for property damage liability

  • A minimum of $2,000 of medical payments coverage

  • A minimum of $50,000 per person, for uninsured or under-insured motorist liability

This means you’ll need to carry a minimum of $100,000 to cover the lowest possible number of people involved in an accident (the two drivers).

This means that the total minimum amount of financial responsibility you will need is $227,000 to cover bodily injury, property damage, medical payments, and uninsured or under-insured motorist liability insurance.

Maine Automobile Insurance Plan

Maine operates the Maine Automobile Insurance Plan, or MAIP, for drivers who are deemed high-risk, and cannot obtain a standard insurance policy with an authorized insurance provider. This program issues authorized certificates that acts as proof of financial responsibility that can be used to register a vehicle.

Proof of insurance

Any driver who is operating a vehicle registered in Maine must carry proof of insurance with them at all times. You must present proof of insurance when asked by a police officer, and at the scene of an accident you were involved in. Proof of insurance is also required in order to register a vehicle with the BMV, or when asked by an authorized representative of the Maine BMV.

Acceptable documents to prove insurance include:

  • An insurance card from an authorized insurance provider

  • The declaration page of your insurance policy

  • The insurance policy binder

  • An authorized document from your insurance provider summarizing your coverage

  • Proof from the Maine Automobile Insurance Plan program

  • An SR-22 Proof of Financial Responsibility document, which verifies that you have insurance. This is usually only required for drivers who have previously had their licenses suspended for DUIs or other reckless driving charges.

Violation penalties

If you fail to produce proof of insurance when requested by a law enforcement officer during a traffic stop or at the scene of an accident, there are several types of penalties that could be issued in Maine:

  • A fine of at least $100, and possibly up to $500

  • Driver’s license and vehicle registration suspension

  • The assignment of a restricted driver’s license

  • A conviction of a Class E crime and up to six months of jail time

You may also be required to obtain and submit an SR-22 Proof of Financial Responsibility document to the BMV.

For more information, contact the Maine Bureau of Motor Vehicles through their website.


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Bernie

50 years of experience
41 reviews
Bernie
50 years of experience
Honda Accord - Brake Pads Replacement (Rear) - Phoenixville, Pennsylvania
I specifically asked for Bernie to come back, since I was so pleased with the work he did on our other car. This time I got to meet Bernie personally. He is a kind family-man who exhibited the quiet confidence of someone you would expect with the 50 years of automotive experience that he has. I felt very comfortable giving him the key to my car. Two of my kids (ages two and four) came out to greet him, since they remembered him from his first visit. Bernie is great around kids and was very kind to my two-year old son who was trying to "help" Bernie do his job. Thanks again, Bernie!
Honda Odyssey - Brake Pads Replacement (Front, Rear) - Phoenixville, Pennsylvania
I was very pleased with Bernie's work, professionalism, and courteousness. Best brake job I have ever had, and I have had many done (and several done myself, but not on this vehicle). This was a maintenance appointment -- not a repair of something broken -- so I was surprised when the brakes felt so much better after Bernie did the work. You can really see the care he took with our vehicle when I examined everything after he was finished. Thanks, Bernie!

Daniel

9 years of experience
17 reviews
Daniel
9 years of experience
Hyundai Sonata - Brake Pads Replacement (Front, Rear) - Sacramento, California
Awesome customer service. On time and answered my questions with patience. Listened to my concerns and made helpful suggestions. Seemed very knowledgeable and experienced. I will be glad to request him again. Thank you!!

Breck

18 years of experience
532 reviews
Breck
18 years of experience
Toyota RAV4 - Brake Pads Replacement (Rear) - Conroe, Texas
Breck was awesome! He called ahead of time and asked if he could arrive early. He was friendly and easy to talk to. He made me feel comfortable with the service he was going to provide and explained things clearly to me. He smiled and made this experience a good one. I will absolutely be booking future appointments with Breck and I will recommend him and Your Mechanic services to others I know. Thank you!

Brian

19 years of experience
101 reviews
Brian
19 years of experience
BMW Z4 - Brake Pads Replacement (Rear) - Phoenix, Arizona
Brian knows what he is doing and I am so happy yourmechanic.com suggested him for my Z4 car inspection prior to purchasing and even happier he was available to perform my 1st service on the vehicle I purchased. His knowledge on the brand gave him ability to to an in depth inspection and he communicated very well informing me what to prepare for in ownership of my BMW. When he came to perform maintenance on my vehicle he shared so many tips with me. I will absolutely be having Brian come back out when I need future servicing on my car.

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