If you are searching for low cost Maine car insurance, you are lucky to find this website. By entering your zip at the top, you can see which companies provide the cheapest car insurance quotes in your area. Although, auto insurance in Maine is generally cheaper than on average around the country, you should still compare quotes from different providers in order to save as much as possible. The sad truth is that most drivers in Maine greatly overpay on their auto insurance because they simply do not compare enough rates. In this article you can find all the information you need to know about vehicle insurance requirements in ME, DUI laws and more.
Maine Car Insurance Requirements
The minimum coverage required for a Maine car insurance includes liabilities against bodily injuries and property damages, uninsured or underinsured motorist against bodily injuries and medical payment plan. The minimum coverage amount for liability insurance is $50,000 for every injured person or $100,000 for every accident. Liability for property damages must not be lower than $25,000. The coverage amount for uninsured or underinsured motorist is $50,000 for every injured person or $100,000 for every accident. Medical payment coverage should not be less than $1,000. The basic car insurance requirement in Maine is also known as the 50/100/25 coverage with 50/100 UM.
The medical payment plan is intended for the insured car owner and passengers in the event that any of them got injured or killed in the vehicular accident or collision. The medical payment plan will also cover the cost of the funeral depending on amount of coverage. Under Maine law, the minimum coverage amount for the medical payment plan is $1,000.
Car owners who got involved in a vehicular accident or collision caused by an uninsured or underinsured motorist will need financial help or protection. It is for this reason that the state of Maine requires every car owner to get uninsured or underinsured motorist coverage for bodily injury. The state has also set the minimum coverage at $50,000 for every person or $100,000 for every accident.
The OUI or DUI Law in Maine
Legally speaking, drunk driving is known as operating under the influence of alcohol or OUI in Maine. The state considers it as crime if you are driving a motor vehicle and you have a blood alcohol concentration or BAC level of .08 percent or higher. Upon arrest and with confirmation of your blood alcohol content in the police report, your driver’s license will be immediately suspended pending a court hearing. In Maine, driving within the state is an implied consent that you will submit yourself to any chemical test to check your BAC level. Such test may include the giving of blood, urine or breath to confirm the presence of alcohol in your system.
The Penalty for First Time DUI Offenders
1. For the first DUI offense, the offender’s driver license will be suspended for 90 days. If the DUI offender refused to submit to a chemical test, an additional suspension period of 275 days will be imposed upon conviction.2. The first DUI offense with or without any aggravating circumstances will require the payment of a $400 fine. If the first time DUI offender refused to submit to a chemical test the fine will be $500.
3. If the first DUI offense does not include any aggravating factors, no jail time will be served. If there are aggravating factors involved, a minimum jail time of 48 hours will be served. If the offender had refused to submit to a chemical test the minimum jail time is 96 hours.
The Penalty for Second Time DUI Offenders
1. If it is the offender’s second DUI conviction within 10 years, he or she will no longer be allowed to get a work-restricted driving license or to register a motor vehicle.
2. A second DUI offense will result in the suspension of the driving license for a period of 18 months.
3. The fine for the second DUI offense will be $600 but if the offender had refused to submit to a chemical test, the fine will be increased to $800.
4. A second time DUI offender will have to spend a minimum of 7 days in jail. But if the second time offender had refused a chemical test, the minimum jail time is 12 days.
Aggravating Circumstances or Factors in a DUI Charge
1. If the DUI offender’s BAC level is at .15 percent or higher.
2. If the offender was driving his or her motor vehicle at 30 mph or more that is above the posted speed limit.
3. If the DUI offender attempted to escape from the police authorities.
4. If the DUI offender at the time of arrest, has a passenger who has not yet reached the age of 21. This will result in the suspension of the offender’s driver’s license for a period of 275 days which will be added to the suspension period imposed on his or her OUI or DUI conviction.
Additional Penalties for BAC Level Chemical Test Refusal
Refusal of the DUI offender to submit to a chemical test to check for his or her BAC level will result in the suspension of the driver’s license for a period of 275 days. The 275 days suspension will immediately take effect after serving any earlier suspension that resulted in an OUI or DUI conviction.
Penalties for DUI Offenders Involved in Serious Vehicular Accidents or Collisions
If the DUI offender caused a very serious vehicular accident in which the possibility of death is very likely, the offender must submit to a BAC level test. If the DUI offender refuses, his or her driver’s license will be suspended for 3 years.
Average Car Insurance Rate in Maine versus the National Average
The average car insurance premium in the state of Maine is around $1,050 which is below the national average of $1,437. However some of the major cities in state have an average car insurance premium that is almost equal to the national average.
Top 10 Vehicles Stolen in the State of Maine
Car owners of the following vehicles can expect to pay higher premiums on their car insurance. In order to mitigate the cost of the car insurance premiums and prevent the theft of the motor vehicle, certain security precaution needs to be taken.
Chevrolet Pickup (Full Size) 1999 Model
Subaru Legacy 1995 Model
Dodge Caravan 1998 Model
Ford F150 Pickup 1994 Model
Honda Accord 2004 Model
GMC Pickup (Full Size) 1998 Model
Jeep Cherokee / Grand Cherokee 1998 Model
Toyota Camry 1997 Model
Ford Ranger 2000 Model
Ford Focus 2004 Model
Maine Car Insurance Requirements
The minimum coverage required for a Maine car insurance includes liabilities against bodily injuries and property damages, uninsured or underinsured motorist against bodily injuries and medical payment plan. The minimum coverage amount for liability insurance is $50,000 for every injured person or $100,000 for every accident. Liability for property damages must not be lower than $25,000. The coverage amount for uninsured or underinsured motorist is $50,000 for every injured person or $100,000 for every accident. Medical payment coverage should not be less than $1,000. The basic car insurance requirement in Maine is also known as the 50/100/25 coverage with 50/100 UM.
The medical payment plan is intended for the insured car owner and passengers in the event that any of them got injured or killed in the vehicular accident or collision. The medical payment plan will also cover the cost of the funeral depending on amount of coverage. Under Maine law, the minimum coverage amount for the medical payment plan is $1,000.
Car owners who got involved in a vehicular accident or collision caused by an uninsured or underinsured motorist will need financial help or protection. It is for this reason that the state of Maine requires every car owner to get uninsured or underinsured motorist coverage for bodily injury. The state has also set the minimum coverage at $50,000 for every person or $100,000 for every accident.
The OUI or DUI Law in Maine
Legally speaking, drunk driving is known as operating under the influence of alcohol or OUI in Maine. The state considers it as crime if you are driving a motor vehicle and you have a blood alcohol concentration or BAC level of .08 percent or higher. Upon arrest and with confirmation of your blood alcohol content in the police report, your driver’s license will be immediately suspended pending a court hearing. In Maine, driving within the state is an implied consent that you will submit yourself to any chemical test to check your BAC level. Such test may include the giving of blood, urine or breath to confirm the presence of alcohol in your system.
The Penalty for First Time DUI Offenders
1. For the first DUI offense, the offender’s driver license will be suspended for 90 days. If the DUI offender refused to submit to a chemical test, an additional suspension period of 275 days will be imposed upon conviction.2. The first DUI offense with or without any aggravating circumstances will require the payment of a $400 fine. If the first time DUI offender refused to submit to a chemical test the fine will be $500.
3. If the first DUI offense does not include any aggravating factors, no jail time will be served. If there are aggravating factors involved, a minimum jail time of 48 hours will be served. If the offender had refused to submit to a chemical test the minimum jail time is 96 hours.
The Penalty for Second Time DUI Offenders
1. If it is the offender’s second DUI conviction within 10 years, he or she will no longer be allowed to get a work-restricted driving license or to register a motor vehicle.
2. A second DUI offense will result in the suspension of the driving license for a period of 18 months.
3. The fine for the second DUI offense will be $600 but if the offender had refused to submit to a chemical test, the fine will be increased to $800.
4. A second time DUI offender will have to spend a minimum of 7 days in jail. But if the second time offender had refused a chemical test, the minimum jail time is 12 days.
Aggravating Circumstances or Factors in a DUI Charge
1. If the DUI offender’s BAC level is at .15 percent or higher.
2. If the offender was driving his or her motor vehicle at 30 mph or more that is above the posted speed limit.
3. If the DUI offender attempted to escape from the police authorities.
4. If the DUI offender at the time of arrest, has a passenger who has not yet reached the age of 21. This will result in the suspension of the offender’s driver’s license for a period of 275 days which will be added to the suspension period imposed on his or her OUI or DUI conviction.
Additional Penalties for BAC Level Chemical Test Refusal
Refusal of the DUI offender to submit to a chemical test to check for his or her BAC level will result in the suspension of the driver’s license for a period of 275 days. The 275 days suspension will immediately take effect after serving any earlier suspension that resulted in an OUI or DUI conviction.
Penalties for DUI Offenders Involved in Serious Vehicular Accidents or Collisions
If the DUI offender caused a very serious vehicular accident in which the possibility of death is very likely, the offender must submit to a BAC level test. If the DUI offender refuses, his or her driver’s license will be suspended for 3 years.
Average Car Insurance Rate in Maine versus the National Average
The average car insurance premium in the state of Maine is around $1,050 which is below the national average of $1,437. However some of the major cities in state have an average car insurance premium that is almost equal to the national average.
Top 10 Vehicles Stolen in the State of Maine
Car owners of the following vehicles can expect to pay higher premiums on their car insurance. In order to mitigate the cost of the car insurance premiums and prevent the theft of the motor vehicle, certain security precaution needs to be taken.
Chevrolet Pickup (Full Size) 1999 Model
Subaru Legacy 1995 Model
Dodge Caravan 1998 Model
Ford F150 Pickup 1994 Model
Honda Accord 2004 Model
GMC Pickup (Full Size) 1998 Model
Jeep Cherokee / Grand Cherokee 1998 Model
Toyota Camry 1997 Model
Ford Ranger 2000 Model
Ford Focus 2004 Model
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