Car insurance in Maine (50/100/25)
- Minimum car insuranceMaine requires at least $50,000 bodily injury per person, $100,000 per accident and $25,000 property damage, plus $2,000 of medical payments coverage. Uninsured/underinsured motorist coverage is mandatory and must equal the liability limits unless the buyer rejects equal coverage in writing, but it can never be below the state minimum. Source
- Fault systemMaine is an at-fault (tort) state: the driver who causes a crash, and their liability insurer, pays for the injuries and damage they cause. Source
Business insurance rules in Maine
- Workers’ compensationEvery private employer, including an independent contractor who hires and pays employees, must carry workers' compensation or self-insure. Employers of domestic workers are exempt, and some small or seasonal agricultural and aquacultural employers are exempt if they carry specified employer's liability and medical coverage. Maine is not monopolistic and does not allow opting out. Source
- Contractor licensingMaine does not license or regulate general contractors or trades such as roofing and framing, though electricians and plumbers are licensed. Instead, state law requires a written contract with specific terms, including a warranty and dispute-resolution options, for any home construction job over $3,000. Source
Home insurance in Maine
- Home insurer of last resortMaine does not operate a FAIR Plan for homeowners. The main catastrophe exposures are winter storms, nor'easters and coastal storm surge. Source
Disasters, floods, hail, tornadoes and earthquakes in Maine
| Measure | Maine | Rank among the states | Detail |
|---|---|---|---|
| Federal major disaster declarations since 2000 | 29 | #25 (tied) of 51 | Most often for severe storm (18), flood (5), coastal storm (2). York County(in MSA 6400,6450) has been in 17 of them. |
| National Flood Insurance Program claims, 2005–2025 | 2,466 | #37 of 51 | $61.3 million paid; 33% of claims with a known flood zone were outside FEMA’s high-risk zones. |
| Hail reports, 2016–2025 | 194 | #40 of 51 | 3 of them 2 inches or larger. Largest stone 2.5 inches, Aroostook County, July 2022. |
| Tornadoes, 2016–2025 | 10 | #45 of 51 | 0 rated EF2 or stronger; 136 recorded since 1950. |
| Earthquakes of magnitude 4.0+, 2000–2025 | 1 | #28 of 51 | Largest: magnitude 4.67, 5 km W of Hollis Center, Maine, October 16, 2012. |
From the public FEMA, NOAA, Storm Prediction Center, USGS and FMCSA records behind each linked report; ranks count all 50 states and Washington, DC unless noted.
Look up the storm history of any county in Maine.
Worth knowing in Maine
Maine's 50/100/25 auto minimum is among the highest in the country, and every policy must also carry medical payments coverage and uninsured motorist coverage. For workers' comp, the legislature created the Maine Employers' Mutual Insurance Company (MEMIC) to write coverage for Maine employers.
Maine’s insurance regulator
Insurance in Maine is regulated by the Maine Bureau of Insurance, which handles consumer complaints and licenses insurers and agents.
Common questions
What is the minimum car insurance in Maine?
Maine requires at least $50,000 bodily injury per person, $100,000 per accident and $25,000 property damage, plus $2,000 of medical payments coverage. Uninsured/underinsured motorist coverage is mandatory and must equal the liability limits unless the buyer rejects equal coverage in writing, but it can never be below the state minimum.
Is Maine a no-fault state?
Maine is an at-fault (tort) state: the driver who causes a crash, and their liability insurer, pays for the injuries and damage they cause.
Do employers in Maine need workers’ comp?
Every private employer, including an independent contractor who hires and pays employees, must carry workers' compensation or self-insure. Employers of domestic workers are exempt, and some small or seasonal agricultural and aquacultural employers are exempt if they carry specified employer's liability and medical coverage. Maine is not monopolistic and does not allow opting out.
What can a Maine homeowner do if no insurer will write the house?
Maine does not operate a FAIR Plan for homeowners. The main catastrophe exposures are winter storms, nor'easters and coastal storm surge.
Sources
- Maine: Minimum car insurance
- Maine: Fault system
- Maine: Workers’ compensation
- Maine: Home insurer of last resort
- Maine: Contractor licensing
- Maine: insurance regulator
General information as of October 2026, not legal advice; confirm current rules with the agency.