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Maine Insurance Guide
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Insurance in Maine
Find comprehensive insurance information for Maine (ME) residents. From health coverage to auto and home insurance, we’ll help you understand your options in the Northeast region.
Not sure what coverage you need? Take our Coverage Quiz for personalized recommendations.
Quick Facts
| State | Maine (ME) |
| Region | Northeast |
| Population | ~1.4M residents |
| Health Marketplace | Healthcare.gov |
| Insurance Regulator | Maine Department of Insurance |
Health Insurance in Maine
Maine residents can find health coverage through:
- Healthcare.gov - The official health insurance marketplace
- Employer-sponsored insurance - Coverage through your workplace
- Medicaid - For eligible low-income residents
- Medicare - For residents 65 and older
Auto Insurance in Maine
Maine has specific requirements for auto insurance coverage. Learn about minimum liability requirements, optional coverages, and how to find the best rates.
Homeowners Insurance in Maine
Protect your home with coverage tailored to Maine’s specific risks and requirements.
Life Insurance in Maine
Find life insurance options available to Maine residents to protect your family’s financial future.
How Maine Compares
Understanding how Maine stacks up against national averages helps you evaluate your insurance costs and coverage options.
| Metric | Maine | National Avg | Comparison |
|---|---|---|---|
| Auto Insurance (annual) | $864 | $1,935 | -55% (among the lowest) |
| Health Insurance (monthly) | $445 | $477 | -7% (below average) |
| Home Insurance (annual) | $967 | $2,377 | -59% (among the lowest) |
| Uninsured Rate | 7.7% | 9.5% | -19% (near average) |
Key Insights
- Auto insurance in Maine is significantly cheaper than the national average, ranking #1 lowest in the country.
- Homeowners insurance is among the most affordable in the country at #3.
Related Resources
- What Insurance Do I Need? - Coverage Quiz - Find out which coverage types match your situation
- Insurance Coverage Checklist - Review your coverage and identify gaps
- Insurance Costs by State - Compare costs across all 50 states
- Insurance Glossary - Understand common insurance terms
Related Insurance Types
- Health Insurance - Medical coverage options
- Auto Insurance - Vehicle coverage requirements
- Homeowners Insurance - Home protection
- Life Insurance - Financial protection for your family
- Business Insurance - Coverage for business owners
Official Resources
- Maine Bureau of Insurance (opens in new tab) - State insurance regulator, file complaints, verify licenses
- Healthcare.gov - Maine (opens in new tab) - Federal health insurance marketplace for Maine
- FEMA Flood Map Service Center (opens in new tab) - Check flood zones for any Maine address
Contact Your State Insurance Department
Have questions about insurance coverage, need to file a complaint, or want to verify an agent's license? Contact your state regulator:
- Agency
- Maine Bureau of Insurance
- Phone
- 207-624-8475
- Website
- Visit Official Website
Frequently Asked Questions
What is the minimum auto insurance required in Maine?
Maine requires minimum liability coverage of 50/100/25: $50,000 per person for bodily injury, $100,000 per accident for bodily injury, and $25,000 for property damage. These are among the higher minimums in the nation.
How do I get health insurance in Maine?
Maine uses the federal marketplace at Healthcare.gov. Open enrollment runs November through January. Maine expanded Medicaid in 2019, providing coverage for adults with incomes up to 138% of the federal poverty level. Many residents qualify for premium tax credits.
Does Maine homeowners insurance cover ice dam damage?
Yes, water damage from ice dams is typically covered under standard homeowners insurance. However, the ice dam itself and its removal may not be covered. Proper attic insulation and ventilation can prevent ice dams and reduce claims.
Is flood insurance required in Maine?
Flood insurance is required for properties in FEMA-designated flood zones with federally backed mortgages. Coastal Maine and properties along rivers have significant flood risk, so coverage is recommended even outside flood zones.
What is the average cost of car insurance in Maine?
Maine drivers pay approximately $800-$1,000 per year for full coverage auto insurance, which is among the lowest in the nation. Rural driving patterns and lower population density contribute to lower rates despite higher minimum requirements.
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[maine] Insurance Types
Compare insurance options available to [maine] residents. Requirements and costs vary - learn what coverage you need.
Neighboring State Guides
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