Indiana vs Maine Car Insurance

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

Quick Verdict

More Affordable

Maine is $630/yr cheaper on average.

Fewer Uninsured

Maine has a lower uninsured rate (4.5% vs 14.0%).

Rate & Coverage Comparison

Attribute	Indiana	Maine
Avg Annual Premium	$1,530	$900
Min Liability	$500	$300
Full Coverage	$1,530	$900
Fault System	At-Fault (Tort)	At-Fault (Tort)
Uninsured Rate	14.0%	4.5%
Registered Vehicles	5,564,520	1,116,840
Accidents/Year	83,467	16,752
Population	6,786,000	1,362,000

Minimum Coverage Requirements

Indiana

25/50 / 25 liability

Maine

50/100 / 25 liability

Premium Comparison

Indiana$500 – $1,530

Liability: $500Avg: $1,530Full: $1,530

Maine$300 – $900

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

IndianaFull rates, age breakdown, requirements →MaineFull rates, age breakdown, requirements →

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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, Indiana or Maine?

Maine has cheaper car insurance, with an average annual premium of $900 compared to $1,530 in Indiana - a difference of $630 per year.

How do Indiana and Maine compare on fault systems?

Indiana 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 Indiana vs Maine?

Indiana requires 25/50 / 25 liability. Maine requires 50/100 / 25 liability. Minimum liability costs $500/yr in Indiana and $300/yr in Maine.

Which state has more uninsured drivers, Indiana or Maine?

Indiana has a higher uninsured driver rate at 14.0%, compared to 4.5% in Maine. Higher uninsured rates typically mean higher uninsured motorist coverage costs.

Where does the Indiana 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.

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Attribute

Indiana

Maine

Avg Annual Premium

$1,530

$900

Min Liability

$500

$300

Full Coverage

$1,530

$900

Fault System

At-Fault (Tort)

Uninsured Rate

14.0%

4.5%

Registered Vehicles

5,564,520

1,116,840

Accidents/Year

83,467

16,752

Population

6,786,000

1,362,000