Liability Insurance — Maine
Liability insurance covers damage and injuries you cause to others in an accident — it pays their bills, not yours.
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What Is Liability Insurance Insurance?
Liability insurance is split into two parts: bodily injury liability, which pays medical bills, lost wages, and legal costs when you injure someone in an accident, and property damage liability, which pays to repair or replace the other driver's vehicle or damaged property. Your insurer pays claims up to your policy limits, then defends you in court if the injured party sues. If damages exceed your limits, you pay the difference out of pocket.
Who Needs Liability Insurance Insurance?
Liability insurance is legally required for every registered vehicle in Maine, so all drivers must carry it.
Carry liability limits equal to your net worth or higher.
How Much Does Liability Insurance Insurance Cost?
- Your at-fault accident history — one at-fault claim in the past three years can raise liability premiums 20–40 percent.
- Your ZIP code — Portland and Bangor drivers pay more due to higher accident frequency and repair costs than rural areas.
- Your age and driving experience — drivers under 25 or with fewer than three years of licensed driving pay higher liability rates.
- Your credit-based insurance score — Maine allows insurers to use credit history, and lower scores correlate with higher liability premiums.
