Maine

Maine, the eastern most state in the United States of America boasts expansive coastline that is nearly 3,500 miles long.  Surprisingly, that is longer than a trip across the contiguous United States!  In addition to Acadia National Park, which is one of the top 10 most visited national parks, there are countless rivers and streams flowing through other state and national parks.  But before you hop into your car to to visit all that Maine has to offer, make doubly sure that you have the right auto insurance to fit your needs.

Car Insurance Info For Maine Drivers

The average Maine car insurance is $821 for 6 months.  The  Maine auto insurance rates are gathered from our team with the profile of a 33-year-old male. The car used is a Subaru Outback.  The comprehensive deductible is $500. The collision deductible is $500.

Cheap Car Insurance Companies In Maine

Maine Car Insurance Minimum Coverage Requirements

In order to decide what policy is best for you, the Maine minimum required car insurance minimums need to be addressed.  The minimums in each of the 4 main insurance categories is below.

1. Bodily Injury Liability Coverage:  $100,000 per accident and $50,000 per person
2. Property Damage Liability Coverage:  $25,000 per accident
3. Uninsured Motorist Coverage:  $100,000 per accident and $50,000 per person
4. Medical Coverage:  $2,000 per person

Maine Car Insurance Discounts

When it comes to auto insurance, there are many companies to choose from.  The price of the policy is certainly one important factor in making that choice which is why we have discounts.  In the state of Maine, here are a few discounts that may be available.

1.   Multi-Policy Discount:  This discount kicks in when the owner of the policy has more than 1 line of insurance coverage with the insurance company.
2. Military Discount:  If the policyholder was part of the armed forces, there may be a discount for you.
3. Defensive Driving Discount:  If the holder of the policy takes a defensive driving course, they may be eligible for a discount.

Teen Driver Laws in Maine

If you are a new driver under the age of 18 in Maine, you must go through a Graduated Driver License System.   This 3 step system is focused on helping young people gain the valuable driving experience they need to be safe drivers in society.

At the ripe age of 15, Maine drivers can apply for a Lerner’s Permit.  They do need to be accompanied by a license driver who has had a license for 2 years and at least 20 year old.

When the driver turns 16, they can apply for a provisional intermediate license.  In order to get the provisional, they will have had the permit for at least 6 months and practiced at least 70 hours with supervision.  Of the 70 hours, at least 5 of those hours will occur at night.  In addition to these restrictions, the holders of the provisional license will not be able to have passengers except for immediate family members and licensed drivers over 20.  There is also a ban on driving from 12:00 AM- 5:00 AM.

The third step is the unrestricted license which can be had once they have held their Provisional Intermediate License for 270 days.  Also, when the driver turn 16 years and 270 days old, the restrictions on passengers and night time driving are no longer valid.

Cheapest Car Insurance For Young Drivers In Maine

A young driver in the state of Maine is from 16 to 25. This group usually pays the most for Maine car insurance. Teen and college students are usually the most inexperienced drivers on the road. That’s mainly the reason for higher auto insurance rates.

Cheapest Car Insurance For Seniors In Maine

Car Insurance For Senior Maine Drivers

A Maine senior driver is in the age of 50 and up. Usually in the range of 50 to 60’s your Maine auto insurance rates are lower than average. After the 60s your insurance rates will start to go up.

Cheapest Car Insurance For DUI Drivers in Maine