Maine vs New York Car Insurance

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

Quick Verdict

More Affordable

Maine is $1,420/yr cheaper on average.

Fewer Uninsured

Maine has a lower uninsured rate (4.5% vs 6.1%).

Rate & Coverage Comparison

Attribute	Maine	New York
Avg Annual Premium	$900	$2,320
Min Liability	$300	$760
Full Coverage	$900	$2,320
Fault System	At-Fault (Tort)	No-Fault
Uninsured Rate	4.5%	6.1%
Registered Vehicles	1,116,840	16,564,819
Accidents/Year	16,752	248,472
Population	1,362,000	20,201,000

Minimum Coverage Requirements

Maine

50/100 / 25 liability

New York

25/50 / 10 liability

Premium Comparison

Maine$300 – $900

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

New York$760 – $2,320

Liability: $760Avg: $2,320Full: $2,320

MaineFull rates, age breakdown, requirements →New YorkFull 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, Maine or New York?

Maine has cheaper car insurance, with an average annual premium of $900 compared to $2,320 in New York - a difference of $1,420 per year.

How do Maine and New York compare on fault systems?

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

What are the minimum insurance requirements in Maine vs New York?

Maine requires 50/100 / 25 liability. New York requires 25/50 / 10 liability. Minimum liability costs $300/yr in Maine and $760/yr in New York.

Which state has more uninsured drivers, Maine or New York?

New York has a higher uninsured driver rate at 6.1%, compared to 4.5% in Maine. Higher uninsured rates typically mean higher uninsured motorist coverage costs.

Where does the Maine vs New York 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

Maine

New York

Avg Annual Premium

$900

$2,320

Min Liability

$300

$760

Full Coverage

$900

$2,320

Fault System

At-Fault (Tort)

No-Fault

Uninsured Rate

4.5%

6.1%

Registered Vehicles

1,116,840

16,564,819

Accidents/Year

16,752

248,472

Population

1,362,000

20,201,000