Maine Auto Insurance regulations:

Maine is a tort state, which means that drivers are financially responsible for the damage and injury they may cause during an auto accident. Liability coverage is required in Maine. Maine requires that you purchase uninsured and underinsured motorist bodily injury coverages. The required minimums on these policies are 50/100 ($50,000 for injuries per person, up to $100,000 total).

Rates are determined by the driving habits of the drivers within a state. The state's liability minimums are 10/20/10. That is $10,000 per individual for bodily injuries you cause to the other persons, and up to $20,000 for all, and $10,000 for damage you cause to the other party's personal property. Maine determines auto insurance rates based on driving record, age, area you live in, and the type of vehicle you drive. You may want to consider higher coverages than the state minimums.