California vs Maine Car Insurance

Side-by-side car insurance rate comparison based on data from NAIC & State DOI.

Quick Verdict

More Affordable

Maine is $1,170/yr cheaper on average.

Fewer Uninsured

Maine has a lower uninsured rate (4.5% vs 15.2%).

Rate & Coverage Comparison

Attribute	California	Maine
Avg Annual Premium	$2,070	$900
Min Liability	$680	$300
Full Coverage	$2,070	$900
Fault System	At-Fault (Tort)	At-Fault (Tort)
Uninsured Rate	15.2%	4.5%
Registered Vehicles	32,421,159	1,116,840
Accidents/Year	486,317	16,752
Population	39,538,000	1,362,000

Minimum Coverage Requirements

California

15/30 / 5 liability

Maine

50/100 / 25 liability

Premium Comparison

California$680 – $2,070

Liability: $680Avg: $2,070Full: $2,070

Maine$300 – $900

Liability: $300Avg: $900Full: $900

CaliforniaFull rates, age breakdown, requirements →MaineFull rates, age breakdown, requirements →

📊

CarInsurancePeek Editorial TeamInsurance Data Specialists

The CarInsurancePeek editorial team aggregates and verifies car insurance rate data from NAIC & State DOI. Every statistic is cross-referenced against official state DOI filings before publication, with quarterly re-verification cycles.

Sourced from NAIC & State DOIQuarterly reviewNo paid placements

Read our full methodology or contact us with corrections.

Frequently Asked Questions

Which state has cheaper car insurance, California or Maine?

Maine has cheaper car insurance, with an average annual premium of $900 compared to $2,070 in California - a difference of $1,170 per year.

How do California and Maine compare on fault systems?

California uses a at-fault (tort) system while Maine uses a at-fault (tort) system. Both states use the same system.

What are the minimum insurance requirements in California vs Maine?

California requires 15/30 / 5 liability. Maine requires 50/100 / 25 liability. Minimum liability costs $680/yr in California and $300/yr in Maine.

Which state has more uninsured drivers, California or Maine?

California has a higher uninsured driver rate at 15.2%, compared to 4.5% in Maine. Higher uninsured rates typically mean higher uninsured motorist coverage costs.

Where does the California vs Maine insurance data come from?

All insurance rate data comes from NAIC & State DOI (2025). Premiums represent state-wide averages and individual rates vary based on driving history, age, vehicle, and coverage levels. Visit our methodology page for details.

Explore the DataPeek Network

LawyerCostPeek DivorceLawPeek EvictionLawPeek LicenseWize DMVPeek FloodRiskPeek VocabWize VocabLibre DicionarioWize WortWize KalimaWize KotobaPeek NameBlooms WagePeek NetPayPeek SalaryByCity

Attribute

California

Maine

Avg Annual Premium

$2,070

$900

Min Liability

$680

$300

Full Coverage

$2,070

$900

Fault System

At-Fault (Tort)

Uninsured Rate

15.2%

4.5%

Registered Vehicles

32,421,159

1,116,840

Accidents/Year

486,317

16,752

Population

39,538,000

1,362,000