Uninsured Motorist Coverage — Maine
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Maine Requires Uninsured Motorist Coverage
You just added a second car to your Maine auto policy, or you are combining two policies after a household change, and you need to know whether your uninsured motorist coverage extends to both vehicles — or whether adding the vehicle changes your UM requirement. Maine law requires uninsured motorist coverage on every auto insurance policy issued in the state, but the mandate applies at the policy level, not the vehicle level, and that distinction matters when you are insuring multiple cars.
The requirement means your insurer must offer UM coverage equal to your bodily injury liability limits, and you must either accept it or reject it in writing. When you add a vehicle to an existing policy, the UM coverage you already carry extends to the new car automatically — no separate election is required. When you combine two policies, the surviving policy's UM election governs all vehicles on the merged policy from that point forward.
“A UM rejection on a single-car policy carries forward when you add vehicles — the new cars are unprotected unless you reverse the rejection.”
See What Maine Drivers Pay for the Coverage They Need
Get My Maine Car Insurance Quote5.7%
Maine Uninsured Motorist Rate
Maine's uninsured motorist rate sits well below the national average, but one in eighteen drivers still operates without coverage. UM protection covers you and your passengers when an at-fault driver has no insurance or insufficient limits to cover your injuries.
Insurance Research Council, 2023
How the Mandate Works Across Multiple Vehicles
Maine statute requires insurers to offer UM coverage at limits equal to your bodily injury liability limits. If you carry the state minimum liability of $50,000 per person and $100,000 per accident, your insurer must offer UM at those same limits. You can accept the offered limits, purchase higher UM limits if the insurer offers them, or reject UM coverage entirely by signing a written rejection form.
The election applies to the policy as a whole. When you add a second, third, or fourth vehicle to your policy, the UM coverage you elected when the policy was issued extends to every vehicle on the policy. You do not re-elect UM coverage each time you add a car. The policy-level election governs all covered vehicles.
If you rejected UM coverage on a single-car policy and later add vehicles, those vehicles are also uninsured-motorist-unprotected unless you affirmatively add UM coverage at renewal or mid-term by contacting your insurer. The rejection persists until you reverse it.
A UM rejection on a single-car policy carries forward when you add vehicles — the new cars are unprotected unless you reverse the rejection.
Rejection Requirements and Reversal
Maine law allows you to reject UM coverage, but the rejection must be in writing and signed by the named insured. Insurers use a standard rejection form that lists the offered UM limits and confirms your decision to decline. A verbal rejection is not valid — if you told your agent you did not want UM but never signed the form, the coverage remains in force.
You can reverse a rejection at any time by contacting your insurer and requesting UM coverage. The insurer will add it effective the date you request, and the premium adjusts accordingly. When you add UM mid-term after previously rejecting it, the insurer pro-rates the additional premium for the remainder of the policy term. At renewal, the UM coverage continues unless you submit a new written rejection.
Households adding vehicles after a UM rejection should evaluate whether the rejection still makes sense. UM coverage protects all household members driving any vehicle on the policy, and the cost per vehicle decreases as you add cars because the UM premium is policy-level, not per-car.
$50,000 / $100,000
Maine Minimum Liability Limits
Maine requires $50,000 bodily injury per person, $100,000 per accident, and $25,000 property damage. UM coverage must be offered at limits equal to your bodily injury liability limits, meaning the minimum UM offer is $50,000 per person and $100,000 per accident.
Maine Bureau of Insurance
UM Limits and Stacking
Maine does not require stacking of UM limits across multiple vehicles on the same policy. Some insurers offer stacking as an optional endorsement for an additional premium, but it is not the default.
You can purchase UM limits higher than your liability limits if your insurer offers them. Households insuring multiple vehicles should compare the cost of higher UM limits against the risk of an uninsured-driver collision — the incremental premium is often lower than expected because the coverage applies policy-wide.
Compare Carriers That Write Multi-Vehicle Policies in Maine
UM coverage requirements and pricing vary by carrier. Some insurers price UM coverage as a small percentage of liability premium; others charge a flat per-policy fee. When you are structuring coverage across multiple vehicles, the carrier's UM pricing model affects your total premium as much as the liability and collision rates do. Fifteen carriers writing in Maine offer online quotes for multi-vehicle policies, and their UM pricing differs enough to justify comparison.
Use the comparison tool to request quotes from carriers writing your household's vehicles. Enter every car you are insuring, confirm whether you want UM coverage or plan to reject it, and compare the total premium across carriers. The tool surfaces carriers that write multi-vehicle policies in Maine and shows how UM coverage affects your total cost when spread across two, three, or four cars.
What Happens When You Combine Two Policies
When two policies merge, the insurer typically transfers all vehicles to one policy number and closes the other. The surviving policy's UM election — acceptance or rejection — governs all vehicles going forward. If the surviving policy rejected UM, every vehicle on the combined policy loses UM protection unless you affirmatively elect coverage during the combination process. If the surviving policy accepted UM, all vehicles gain that protection.
Carriers handle the combination differently. Some allow you to choose which policy survives and which closes. Others default to the policy with the earlier effective date or the policy held by the primary named insured. Before combining, confirm with your insurer which policy will survive, review that policy's UM election, and request a UM-coverage addition if the surviving policy rejected it and you want protection across all household vehicles.
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Get My Maine Car Insurance QuoteFrequently Asked Questions
Does Maine require uninsured motorist coverage?
Yes. Maine requires insurers to offer uninsured motorist coverage at limits equal to your bodily injury liability limits on every auto policy. You can accept the offered limits, purchase higher limits, or reject UM coverage by signing a written rejection form.
Does UM coverage apply to all vehicles on my policy?
Yes. UM coverage applies at the policy level, not per vehicle. When you add a second or third car to your policy, the UM coverage you elected when the policy was issued extends to every vehicle on the policy automatically.
What happens to UM coverage when I combine two policies?
The surviving policy's UM election governs all vehicles on the combined policy. If the surviving policy rejected UM, every vehicle loses UM protection unless you affirmatively add coverage during the combination process.
Can I reject uninsured motorist coverage in Maine?
Yes, but the rejection must be in writing and signed by the named insured. A verbal rejection is not valid. You can reverse a rejection at any time by contacting your insurer and requesting UM coverage.
Do UM limits stack across multiple vehicles in Maine?
No. Maine does not require stacking of UM limits across vehicles on the same policy. If you carry $50,000 per person UM coverage and insure three cars, your limit remains $50,000 per person per accident. Some insurers offer stacking as an optional endorsement.
What UM limits must insurers offer in Maine?
Insurers must offer UM coverage at limits equal to your bodily injury liability limits. If you carry the state minimum of $50,000 per person and $100,000 per accident, your insurer must offer UM at those same limits. You can purchase higher limits if the insurer offers them.