Maine vs Pennsylvania Car Insurance

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

Quick Verdict

More Affordable

Maine is $860/yr cheaper on average.

Fewer Uninsured

Maine has a lower uninsured rate (4.5% vs 7.6%).

Rate & Coverage Comparison

Attribute	Maine	Pennsylvania
Avg Annual Premium	$900	$1,760
Min Liability	$300	$580
Full Coverage	$900	$1,760
Fault System	At-Fault (Tort)	No-Fault
Uninsured Rate	4.5%	7.6%
Registered Vehicles	1,116,840	10,662,460
Accidents/Year	16,752	159,936
Population	1,362,000	13,003,000

Minimum Coverage Requirements

Maine

50/100 / 25 liability

Pennsylvania

15/30 / 5 liability

Premium Comparison

Maine$300 – $900

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

Pennsylvania$580 – $1,760

Liability: $580Avg: $1,760Full: $1,760

MaineFull rates, age breakdown, requirements →PennsylvaniaFull 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 Pennsylvania?

Maine has cheaper car insurance, with an average annual premium of $900 compared to $1,760 in Pennsylvania - a difference of $860 per year.

How do Maine and Pennsylvania compare on fault systems?

Maine uses a at-fault (tort) system while Pennsylvania 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 Pennsylvania?

Maine requires 50/100 / 25 liability. Pennsylvania requires 15/30 / 5 liability. Minimum liability costs $300/yr in Maine and $580/yr in Pennsylvania.

Which state has more uninsured drivers, Maine or Pennsylvania?

Pennsylvania has a higher uninsured driver rate at 7.6%, compared to 4.5% in Maine. Higher uninsured rates typically mean higher uninsured motorist coverage costs.

Where does the Maine vs Pennsylvania 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

Pennsylvania

Avg Annual Premium

$900

$1,760

Min Liability

$300

$580

Full Coverage

$900

$1,760

Fault System

At-Fault (Tort)

No-Fault

Uninsured Rate

4.5%

7.6%

Registered Vehicles

1,116,840

10,662,460

Accidents/Year

16,752

159,936

Population

1,362,000

13,003,000