Auto Insurance Minimums for Maine

The state of Maine legally requires that drivers have a minimum liability insurance of at least 50/100/25.  This ratio translates to $50K of Liability Bodily Injury coverage per person, $100K of Liability Bodily Injury coverage per accident, and $25K of Property Damage coverage per accident.  This is just the minimum requirement, but the Maine Bureau of Insurance strongly recommends that drivers purchase more than the legal limit for car insurance coverage in addition to uninsured/underinsured motorist insurance (UM/UIM).  More than 4% of the 932,455 motorists in Maine are uninsured.  This may seem small, but that 4% translates to roughly 37,298 uninsured drivers putting you at risk.  This does not include the thousands of other motorists that have inadequate coverage.

Liability coverage is there to protect you from loss resulting from civil liability for injury or damage to others.  This may seem like a lot of money, but in the end it is by far in your better interest to be covered for legal, emotional, and financial reasons.  All you need to do is spend a little bit of time shopping for auto insurance quotes to find the best possible deal for your needs.

If for some reason you decide to drive without insurance you will face legal and financial obstacles.  If you are caught driving without insurance in Louisiana, and fail to provide proof of it within 30 days of the citation, your registration will be suspended and you will have to pay a reinstatement fee of $35.
It is a simple task to purchase car insurance in Louisiana.  Shopping for a few auto insurance quotes is really all it takes, and then you can pick which one works best for you and avoid all the legal and financial challenges of choosing to go without it.

Maine DUI Law

Although the state of Maine has some of the lowest DUI-related accidents and fatalities, the state takes driving under the influence of drugs or alcohol very seriously. One of the ways in which Maine helps curb drunk driving is by implementing strict “Operating Under the Influence (OUI)” laws. These laws dictate that a driver’s license suspension is usually around 90 days.

The blood alcohol content (BAC) limit for those who drive in the state of Maine is 0.08%, with special sentence enhancements for those who drive with a BAC of 0.15% or more. An OUI in Maine carries a a 90 day license suspension, a $500 fine, and up to 30 days in jail.

Maine Teen Driving Laws/Auto Insurance Requirements

Like so many other states in the U.S., Maine has a higher incidence of teen driving fatalities than fatalities involving other age groups. This is why Maine has adopted the Graduated Driver Licensing (GDL) program.

In order to receive a license, teens following Maine’s GDL program must complete three steps: 1. Receive an instruction permit, 2. Receive an intermediate license, and 3. Receive a full, unrestricted license. To begin this three-phase process, teens must be at least 15 years old.

Maine has a no tolerance policy when it comes to teen drinking and driving. If a teen is caught driving with any alcohol in their system, they may face a one year license suspension, and be convicted of a DUI.

All drivers in Maine must carry the minimum amount of insurance required by the state. This includes teens. Because teens are more likely to be involved in accidents than other age groups, they are advised to carry more than the minimum amount of coverage. Teens in Maine may lower their car insurance quotes by maintaining a B average in school and enrolling in a safe driver course.