About $245 a month
Commercial auto, small business
Insureon median for its small business customers nationwide, updated March 2026; no Maine figure published
Maine · state requirements
Commercial auto insurance in Maine
For Maine businesses running cars, vans, pickups and trucks: the state’s minimum limits, the 2026 floor for heavy in-state trucks, penalties for a lapse and what coverage typically costs.
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What similar businesses pay
- Commercial auto, small business
- About $245 a month
- Construction businesses
- About $264 a month
- Installation contractors
- About $299 a month
Published benchmarks, not quotes. Your price depends on underwriting.
Cost
What commercial auto insurance in Maine costs
About $264 a month
Construction businesses
Insureon national average for construction customers, updated March 2026
About $299 a month
Installation contractors
Insureon national average for installation customers, updated March 2026
Under $375 to over $16,000 a year
Annual premium range
Insureon customers nationwide, updated March 2026
No credible source publishes a Maine-only commercial auto figure, so these benchmarks are national. Insureon’s median for its small business customers is about $245 a month, or $2,942 a year, as of March 2026; 40% pay under $200 a month and another 29% pay $200 to $400. A Maine contractor or service business with one or two light vehicles near the 50/100/25 floor typically lands near that median. Trucks rated 26,001 pounds or more now need a $750,000 limit in-state, so heavy trucks and passenger vehicles for hire cost far more.
What moves your price
- Vehicle weight: at 26,001 pounds or more, the $750,000 in-state floor applies
- Seat count on vehicles carrying passengers for hire
- The uninsured motorist limit you choose above the floor
- Where vehicles are garaged, such as Portland or Lewiston
- Driver records and your claims history
- Number and value of vehicles, deductibles and physical damage
Maine
What’s different in Maine
50/100/25 is the floor, plus MedPay and towing
Every vehicle registered in Maine needs at least $50,000 per person and $100,000 per accident for injuries and $25,000 for property damage under 29-A §1605. The same section adds $2,000 in medical payments and $500 for police-ordered towing and storage, though those two do not apply to a policy insuring more than 4 vehicles.
Uninsured motorist cover is mandatory, at a lower floor for business
24-A §2902 puts uninsured and underinsured cover on every auto policy for a vehicle registered or garaged in Maine. Household car policies must match your liability limits unless you sign a rejection, but most business policies fall outside that rule and need only the $50,000/$100,000 minimum, so check what yours carries.
Heavy in-state trucks now need $750,000
PL 2025, chapter 107 added a $750,000 combined single limit for intrastate commercial motor vehicles to 29-A §1611, for policies issued or renewed on or after January 1, 2026. Maine defines those as vehicles rated 26,001 pounds or more, buses and placarded hazmat vehicles. The rule sits among the for-hire limits, so confirm how it reaches your fleet.
No card at a stop means you are presumed uninsured
Under 29-A §1601, failing to show proof at a stop or reportable crash is prima facie evidence you are uninsured, and showing a card for a policy not in effect is itself a violation. The forfeiture is $100 to $500, and the Secretary of State then suspends the license or registration until proof is filed. A phone image counts as proof.
Equal fault means no recovery
Maine’s comparative negligence law, 14 MRSA §156, reduces a claimant’s damages for their share of fault and bars recovery when the jury finds them equally at fault. Where several defendants share fault, each is jointly and severally liable for the full damages.
For-hire vehicles lose their plates when cover lapses
For vehicles registered for rent, hire or livery, 29-A §1611 requires the insurer to give the Secretary of State 30 days’ notice of cancellation. If the required insurance is not kept, the state must immediately suspend or revoke the registration and plates, and you must return them at once.
Coverage
Coverage Maine businesses need
Auto liability above the minimum
Pays for injuries and damage your vehicles cause. The 50/100/25 floor leaves $25,000 for a damaged truck or storefront, so most customers ask for more.
How commercial auto works →Uninsured and underinsured motorist
Required on every Maine policy. Most business policies can sit at the $50,000/$100,000 floor, so consider matching your liability limits.
How commercial auto works →Medical payments
Required at $2,000 per person on policies insuring up to 4 vehicles under 29-A §1605-A. Larger fleets can still buy it.
How commercial auto works →Physical damage
Collision and comprehensive for your own vehicles. Maine’s minimum does not include it.
How commercial auto works →Hired and non-owned auto
Covers your business when employees drive their own or rented cars on company errands.
How commercial auto works →Workers’ compensation
Maine’s required liability terms in 29-A §1605 exclude employees operating the vehicle and others entitled to workers’ comp, so staff injuries on the road go through comp.
How workers’ compensation works →Umbrella or excess
Adds limits above your auto liability when a contract calls for $1 million or more.
How umbrella / excess works →Rules
Maine requirements
Maine sets one minimum for every registered vehicle and adds uninsured motorist, medical payments and towing cover. Heavy in-state trucks and vehicles carrying passengers for hire face higher floors. Check with the Bureau of Motor Vehicles for your exact situation.
| Requirement | Applies to | What it means |
|---|---|---|
| Minimum liability | Every vehicle registered in Maine | $50,000 per person, $100,000 per accident for injuries and $25,000 for property damage, furnished for each registered vehicle, under 29-A §1605. |
| Uninsured and underinsured motorist | Every auto policy for a vehicle registered or principally garaged in Maine | At least $50,000/$100,000; household car policies must match bodily injury limits unless rejected in writing, under 24-A §2902 and §2912. |
| Medical payments | Policies insuring 4 or fewer vehicles, except garage and repair shop policies | At least $2,000 per person for the driver and passengers, for costs within one year, under 29-A §1605-A. |
| Towing and storage | Policies insuring 4 or fewer vehicles | Up to $500 per accident when police order the tow, under 29-A §1605-B, added by PL 2023, chapter 395. |
| Intrastate commercial motor vehicles | Vehicles rated 26,001 lb or more, buses and placarded hazmat vehicles (29-A §101) | $750,000 combined single limit under 29-A §1611(2)(G), for policies issued or renewed on or after January 1, 2026 (PL 2025, chapter 107). |
| Passengers for hire within Maine | Taxis, vans and buses carrying passengers between Maine points | By seats behind the driver: $125,000 or 50/100/25 for up to 3; $300,000 for 4 to 7; $750,000 for 8 to 15; $1.5 million for 16 to 30; $2 million for 31 or more (29-A §1611(2)(B)). Interstate passenger carriers need $1.5 million or $5 million. |
| USDOT number | Intrastate carriers with vehicles over 26,000 lb | Required even in-state; intrastate vehicles of 10,000 to 26,000 lb that are not buses or hazmat carriers are exempt since July 19, 2015, per the Maine BMV. |
| Penalty for no insurance | Owners and operators | $100 to $500 forfeiture, then suspension of license or registration until proof is filed, under 29-A §1601. Driving while required to keep proof on file without it is a Class D crime under §1605(6). |
Compare commercial auto options in Maine.
One application, quotes from several insurers, reviewed by a licensed agent. Start with your email and finish later if you need to.
Pay less
How to lower the cost
- Keep coverage continuous: a lapse brings a $100 to $500 forfeiture and a suspension under 29-A §1601, and for-hire plates are pulled immediately.
- Insure trailers on the policy for the truck that tows them; 29-A §1605 then requires no separate proof for the trailer.
- Set your uninsured motorist limit deliberately, pricing the floor against matching your liability limits.
- Check motor vehicle records before adding a driver and recheck them every year.
- Raise physical damage deductibles on older vehicles you could repair yourself.
- Compare quotes at each renewal; Florin is an independent broker that compares options from several insurers.
Before you start
What underwriters ask for
- Vehicle list with VINs, gross weight ratings and values
- Seat counts for vehicles carrying passengers for hire
- USDOT number for vehicles over 26,000 pounds
- Driver list with license numbers and dates of birth
- Garaging address for each vehicle
- Current declarations page with liability, UM and MedPay limits
- Loss runs from current and prior insurers
- Limits your contracts require on certificates
Common questions
Commercial auto insurance in Maine: questions
Is Maine a no-fault state?
No. Maine does not require personal injury protection; instead, 29-A §1605-A requires $2,000 in medical payments cover on policies insuring up to 4 vehicles. Injury claims are decided on fault under the comparative negligence rule in 14 MRSA §156.
Does my box truck need the $750,000 limit?
The 2025 law applies to intrastate commercial motor vehicles, which 29-A §101 defines as vehicles rated 26,001 pounds or more, buses and placarded hazmat vehicles. A lighter box truck that is neither generally falls under the 50/100/25 minimum, but confirm with BMV Motor Carrier Services.
Can I reject uninsured motorist coverage on a business policy?
No. 24-A §2902 requires it on every policy for a vehicle registered or garaged in Maine, at no less than $50,000 per person and $100,000 per accident. What you can choose is whether to carry more.
Do I need medical payments cover on a fleet of six vans?
Not by law. The $2,000 medical payments and $500 towing requirements in 29-A §1605-A and §1605-B do not apply to a policy insuring more than 4 vehicles.
Do in-state trucks need a USDOT number?
Only if they are over 26,000 pounds, are buses or haul placarded hazardous materials, according to the Maine BMV. Intrastate vehicles of 10,000 to 26,000 pounds outside those groups have been exempt since July 19, 2015.
Can I show proof of insurance on my phone?
Yes. 29-A §1601 accepts electronic evidence of insurance, including an image on a phone, and showing it does not give the officer consent to search the device.
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Sources (12)
- Maine Legislature: 29-A §1605, proof of financial responsibility (current through October 2026)
- Maine Legislature: 29-A §1601, required maintenance of financial responsibility
- Maine Legislature: Title 29-A chapter 13, financial responsibility and insurance (§1605-A, §1605-B, §1611)
- Maine Legislature: 24-A §2902, uninsured vehicle coverage
- Maine Legislature: 24-A §2912, Cancellation Control Act definitions
- Maine Legislature: PL 2025, chapter 107 (LD 1276), intrastate commercial motor vehicle insurance
- Maine Legislature: LD 1276 committee amendment and summary (2025)
- Maine Legislature: 29-A §101, definitions
- Maine Legislature: 14 MRSA §156, comparative negligence
- Maine BMV: United States Department of Transportation number
- Insureon: commercial auto insurance cost (updated March 2026)
- Insureon: commercial auto insurance in Maine
Figures are published third-party estimates, not quotes. Coverage depends on policy terms and underwriting, and rules vary by state. Updated November 2026.