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Looking for cheap insurance in Maine? Don’t compromise. Let ValChoice help.

ValChoice is the #1 independent insurance comparison website. Our cost calculators help you find the best auto insurance and homeowners insurance companies in Maine. Enter your information below to get insurance quotes and compare car insurance and home insurance companies.

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Maine Insurance Laws and Regulations

The Maine Bureau of Insurance develops and enforces insurance laws for the state. Consumers can contact the department with questions and complaints about your home and auto insurance. If you do not receive the service you expect from your insurer, you can file a complaint directly with the Bureau of Insurance. The state of Maine does not publish complaint information for consumers to use when making purchase decisions.

Maine Insurance Laws

A summary of the driving safety laws for the state of Maine can be found with this link. The information includes a summary of the laws affecting people driving cars, or riding motorcycles or bicycles while using cell phones or texting. Also included are the requirements for child safety seats, wearing a helmet and being under the influence while operating a vehicle in the state of Maine.

The Maine Statute of Limitations defines the time limit following an accident when you can file a lawsuit. Once this time limit has passed, you can no longer file a lawsuit.

State law in ME allows for hurricane deductibles. Hurricane deductibles can be applied when the National Weather Service issues a hurricane warning for the area where the property is located.

Maine has minimum auto insurance amounts that are required by law. The table below shows the ME minimum car insurance limits.

Minimum Car Insurance Coverage Required in Maine

Minimum Coverage
Bodily Injury, per person 50,000
Bodily Injury, per accident 100,000
Property Damage 25,000

Resources Available to Consumers

The Maine Small Claims Court is available for you to resolve issues, without needing to hire an attorney. This link to the small claims court provides more information, including the dollar limit of claims that can be made in this court.

The Federal Emergency Management Agency (FEMA) is for disaster victims who are uninsured, underinsured or the victim of a flood.