Kentucky vs Maine Car Insurance

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

Quick Verdict

More Affordable

Maine is $1,300/yr cheaper on average.

Fewer Uninsured

Maine has a lower uninsured rate (4.5% vs 13.8%).

Rate & Coverage Comparison

Attribute	Kentucky	Maine
Avg Annual Premium	$2,200	$900
Min Liability	$720	$300
Full Coverage	$2,200	$900
Fault System	No-Fault	At-Fault (Tort)
Uninsured Rate	13.8%	4.5%
Registered Vehicles	3,694,920	1,116,840
Accidents/Year	55,423	16,752
Population	4,506,000	1,362,000

Minimum Coverage Requirements

Kentucky

25/50 / 25 liability

Maine

50/100 / 25 liability

Premium Comparison

Kentucky$720 – $2,200

Liability: $720Avg: $2,200Full: $2,200

Maine$300 – $900

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

KentuckyFull 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, Kentucky or Maine?

Maine has cheaper car insurance, with an average annual premium of $900 compared to $2,200 in Kentucky - a difference of $1,300 per year.

How do Kentucky and Maine compare on fault systems?

Kentucky uses a no-fault system while Maine uses a at-fault (tort) system. This difference in fault systems directly affects how claims are processed and can influence premium costs.

What are the minimum insurance requirements in Kentucky vs Maine?

Kentucky requires 25/50 / 25 liability. Maine requires 50/100 / 25 liability. Minimum liability costs $720/yr in Kentucky and $300/yr in Maine.

Which state has more uninsured drivers, Kentucky or Maine?

Kentucky has a higher uninsured driver rate at 13.8%, compared to 4.5% in Maine. Higher uninsured rates typically mean higher uninsured motorist coverage costs.

Where does the Kentucky 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

Kentucky

Maine

Avg Annual Premium

$2,200

$900

Min Liability

$720

$300

Full Coverage

$2,200

$900

Fault System

No-Fault

At-Fault (Tort)

Uninsured Rate

13.8%

4.5%

Registered Vehicles

3,694,920

1,116,840

Accidents/Year

55,423

16,752

Population

4,506,000

1,362,000