Maine Auto Insurance

State Insurance Requirements

All registered or operated vehicles must be covered by liability insurance. The Minimum amounts of liability coverage required by the state of Maine are $50,000/$100,000 for injury/death and $25,000 for property damage. Commonly referred to as 50/100/25 coverage. Uninsured motorist bodily injury of $50/100 or combined single limit of $100,000 and a minimum of $2,000 for medical payments coverage is also required.

You are required to carry proof of insurance in your vehicle.

The list below constitute legal proof of insurance:

  • A temporary insurance card issued by the insurer.
  • A premium receipt or insurance binder issued by the motorist’s insurance agent.
  • The current declarations page of a liability insurance policy.
  • The actual liability insurance policy issued for the vehicle.
  • A certificate of liability insurance policy issued by either the insurer or an authorized agent.
  • A copy of the rental agreement when renting a motor vehicle which specifies the insurance coverage.
If a driver is cited by an officer for not providing proof of insurance, they must rectify their insurance immediately or face registration/license suspension.
DMV Point System

This state enlists a point system to monitor and penalize driving infractions. If a driver is convicted of traffic law violations, the driver will gain points on their drivers license. If those points reach a state specified amount, their license will be suspended for a predetermined period based on the amount of points gained. In Maine, points accumulated are erased from your record after a period of 1 year from the date convicted of the violation.

Below is a list of violations and their corresponding point values:

The following violations are worth 6 points:

  • Driving Wrong Side
  • Driving Wrong Way
  • Exceeding Posted Speed by at Least 15 Miles Per Hour
    But Less Than 30 Miles Per Hour
  • Illegal Transportation Liquor – Minor
  • Improper Passing
  • Leaving Scene of an Accident (Property Damage)
  • Operating Beyond Restriction
  • Operating With Improper License
  • Operating Without Corrective Lenses
  • Operating Left on Curve
  • Pass Within 100 Feet of Intersection
  • Pass on Curve or Hill
  • Pass on Right
  • Pass Wrong Side
  • Violation – Do Not Pass
  • Violation of Instruction Permit
  • Operating Motorcycle Beyond Restriction

The following are worth 4 points:

  • Exceeding Posted Speed by Less Than 15 Miles Per Hour
  • Excessive Acceleration
  • Failure to Keep Right
  • Failure to Return to the Right
  • Fail to Yield to Emergency Vehicle
  • Fail to Yield – No Sign
  • Fail to Yield to Pedestrian
  • Fail to Yield – Sign
  • Fail to Give Way to Other Vehicle
  • Fail to Obey Stop Sign
  • Fail to Stop at Red Light
  • Fail to Yield Right of Way
  • Imprudent Driving
  • Imprudent Speed
  • Operating a Motor Vehicle With Obstructed View
  • Operating Without a License (traffic infraction)
  • Red Light Violation

The following are worth 2 points:

  • Crossover Violation
  • Displaying a Red Light
  • Excessive Noise
  • Failure to Dim Headlights
  • Fail to Signal
  • Fail to Obey Traffic Island
  • Failure to Reduce Speed on a Grade or Curve
  • Follow Too Close
  • Illegal Left Turn
  • Illegal Right Turn
  • Illegal U-Turn
  • Impeding the Flow of Traffic
  • Improper Turn
  • Lane Conviction
  • Littering
  • Obstructing the Flow of Traffic
  • Obstructing Traffic
  • Operating Motor Vehicle Without Tail Lights
  • Operating Without Lights
  • Other Moving Violation
  • Speed Under Posted Minimum
  • Squealing Tires
  • Trailer Without Lights
  • Trucks Traveling Less Than 150 Feet Apart
The state of Maine will suspend the license of a driver that accumulates 12 or more points within a 1 year period for a duration of up to 15 days. If a driver has their license suspended 3 times within a 3 year period, an additional 120 days will be added to the third suspension.

Disclaimer is in no way offering legal advice to consumers. Although we update our information regularly, and attempt to be as accurate as possible, state laws may change and we are not liable for any misinformation resulting in legal action or otherwise.

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