Car Insurance in Maine
- Compare the cheapest car insurance quotes in ME with The Zebra
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Here's what you need to know when driving in Maine
The average cost of car insurance in Maine is $1,034 per year — 32% less than the national average. Your car insurance premiums are impacted by more than just where you live. Underwriters generate auto insurance rates based on a number of factors, including age, driving history, marital status and credit score. The Zebra's experts analyzed average Maine car insurance rates for each of the most common rating factors to help you find a policy that fits your needs.
Read on to discover how much auto insurance costs in Maine, or submit your ZIP code above to receive car insurance quotes personalized to your driving profile.
The best car insurance companies in Maine
Based on data from J.D. Power's 2021 Auto Satisfaction Study and The Zebra's Customer Satisfaction Survey, we have compiled a list of the best car insurance companies in Maine.
Along with topping The Zebra's Customer Satisfaction Survey, USAA received a score of 887 (out of 1,000) in the J.D. Power 2021 U.S. Auto Insurance Study for the state of Maine.
Amica, a regional carrier, scored an 867 on J.D. Power's 2021 auto study.
State Farm rounds out the top three with a score of 855 in J.D. Power's 2021 survey, and a 4.3 stars out of 5 in The Zebra's Customer Satisfaction Survey.
The cheapest car insurance companies in Maine
Check out Maine's cheapest carriers in a variety of scenarios.
The cheapest rates are from USAA on average.
For the minimum required coverage in Maine, USAA is the cheapest on average.
If you have a DUI on your record, check out Travelers for the cheapest average rates.
Dynamic auto insurance data methodology
Methodology: The auto insurance rates displayed above and throughout this page are dynamic, meaning the data will refresh when the most recent information is made available. Rates are based on a sample driver profile — a 30-year-old single male driver with a Honda Accord and full coverage. This profile was adjusted based on common pricing factors used by major car insurance companies, like age, coverage level, driving record and others.
Maine auto insurance laws
Car insurance is mandatory in almost every state, and Maine is no exception. For the legal minimum coverage level in Maine, expect to pay about $386 per year. This is less than the national average by 28%. Have a look at the coverage levels required for all Maine drivers as well as optional coverage types offered by most insurers.
State minimum coverage
In Maine, drivers are legally required to maintain liability, MedPay and uninsured/underinsured motorist coverages at or above the below levels:
- Bodily Injury $50,000 per person
- Bodily Injury $100,000 per accident
- Property Damage $25,000 per accident
- Bodily Injury $50,000 per person
- Bodily Injury $100,000 per accident
- $2,000 per person
Optional coverage in Maine (varies by carrier):
- Loan/Lease Payoff
- Rental Car Reimbursement
- Roadside Assistance
If you choose a higher level of car insurance coverage, you can purchase a policy with comprehensive and collision coverage, which will protect against damages caused by car-vs.-car crashes, theft or weather incidents. It's worth noting that better auto insurance coverage comes at a cost: in Maine, a comprehensive policy with a $1,000 deductible costs $915, 137% more than basic liability-only coverage. For a comprehensive policy with a $500 deductible, you can expect to pay 177% more than for a basic liability-only policy.
Maine car insurance premiums by rating factor
As mentioned above, car insurance rates are based on many different factors. This can include your driving history, age and your credit score. Explore average premium costs by rating factor below to get a ballpark idea of how much you should be paying for auto insurance in Maine.
Cheap auto insurance in Maine for minimum coverage
Forgoing full coverage for liability-only at the state minimum level will make your car insurance significantly cheaper. In Maine, the average cost for minimum coverage is $32 per month, or $386 yearly — a savings of $648 compared to full coverage.
Cheap auto insurance in Maine with bad credit
Your credit history is an important factor in determining your car insurance rates. Many carriers see those with a poor credit score as being higher risk, meaning you could pay more for your policy. On average, Maine drivers with poor credit pay $962 more per year than those with exceptional credit. Have a look at some common rates by credit tier below.
Cheap auto insurance in Maine with an at-fault accident
Your driving record is a big determinant of how much you pay for auto coverage. Insurance companies may see any previous at-fault accidents as a warning sign, meaning that you will be paying more for your policy. On average, an at-fault accident could cause your car insurance rates to rise by as much as $521 per year.
Safe driver discounts
In addition to having a cheaper premium, some companies offer a discount for good drivers. While the amount varies based on your company, it can range between 5 and 10%.
Cheap auto insurance for young drivers in Maine
Young drivers between the ages of 16 and 25 pay the highest car insurance premiums of anyone in the US. Because of the risk presented by inexperienced drivers, teen drivers pay more than three times the national average for car insurance. Historically the most expensive drivers to insure, The Zebra found Travelers, GEICO, and USAA are the cheapest companies in Maine for teenagers.
Maine auto insurance rate by violation
If you have a clean driving record in Maine— no at-fault accidents, speeding tickets, DUIs, or other recent citations — you'll probably pay less for car insurance. Conversely, a bad driving record will cause your rates to skyrocket: car insurance premiums typically increase by 46% after a DUI and 25% after a speeding ticket in Maine.
See below average auto insurance rates in Maine after a few common citations.
|Accident/Violation||Avg. Annual Premium||% Rate Increase||$ Rate Increase|
|One Med/PIP claim||$1,244||0%||$5|
|Two Med/PIP claims||$1,313||6%||$74|
|One comp claim||$1,315||6%||$76|
|Driving without lights||$1,407||14%||$168|
|Failure to show documents||$1,411||14%||$172|
|Failure to wear a seat belt||$1,422||15%||$183|
|Child safety restraint||$1,443||16%||$204|
|Two comp claims||$1,460||18%||$221|
|Driving with expired registration||$1,483||20%||$244|
|Speeding in school zone||$1,496||21%||$257|
|Driving too slowly||$1,496||21%||$257|
|Speeding 6 - 10 MPH over limit||$1,496||21%||$257|
|Speeding 11 - 15 MPH over limit||$1,500||21%||$261|
|In 65 MPH zone||$1,508||22%||$269|
|Following too closely||$1,516||22%||$276|
|Failure to yield||$1,525||23%||$286|
|Failure to stop at a red light||$1,525||23%||$286|
|Speeding 16 - 20 MPH over limit||$1,532||24%||$293|
|Speeding 21 - 25 MPH over limit||$1,538||24%||$298|
|Wrong way/wrong lane||$1,541||24%||$302|
|Passing school bus||$1,592||29%||$353|
|Cell phone violation||$1,633||32%||$394|
|Texting while driving||$1,665||34%||$426|
|At-fault accident - less than $1000||$1,706||38%||$466|
|Operating a vehicle without permission||$1,818||47%||$579|
|At-fault accident - $1000-$2000||$1,863||50%||$624|
|At-fault accident - greater than $2000||$1,879||52%||$640|
|Driving with a suspended license||$2,148||73%||$909|
|Refusal to submit to a chemical test||$2,250||82%||$1,011|
|Leaving scene of an accident/hit and run||$2,392||93%||$1,153|
Maine DUI laws
In Maine, a DUI violation can boost your annual car insurance cost by an average of $476. That’s 16% less than the national average rate hike following a DUI. Finding affordable auto coverage after a DUI isn’t simple. In fact, a DUI conviction often causes a larger premium increase than any other road violation — more than an at-fault accident, racing, or reckless driving.
Low-cost car insurance after a DUI in Maine
If you're convicted of a DUI or DWI violation in Maine, it’s important to consider your insurance choices carefully. Car insurance premiums after a DUI can vary substantially from one carrier to another. For example, the least expensive car insurance company with a DUI in Maine, Travelers, advertises annual rates 16% less than the statewide average insurance rate with a DUI. The second-cheapest insurer for auto insurance after a DUI in Maine is State Farm, while the priciest firm is GEICO, with prices 50% above average.
There is no car insurer in particular that offers cheap DUI auto insurance. The recommended way to save in the wake of a DUI citation is to shop around.
Maine SR-22 insurance
An SR-22 is a routine legal requirement triggered by a violation such as a DUI conviction, a ticket for driving without insurance, an at-fault collision, driving with a suspended license, or accumulating too many points on your license. It is not a type of insurance policy, but a form issued by your insurance company with the state of Maine to ensure that you remain insured.
Finding cheap auto insurance with an SR-22 in Maine might be tricky, but some research could pay off in the end.
How to get an SR-22 in Maine
An SR-22 is often required for drivers with serious violations on their driving record, most often related to drinking and driving offenses. The SR-22 is a form issued by your insurance company that must be filed with the state of Maine as proof of continued insurance coverage. Below you'll find the steps to getting this coverage.
With an active insurance policy, requesting an SR-22 might be easy. Just call your insurance company request they file an SR-22 request on your behalf. If your current insurer declines to request a certificate, you should shop around for a new insurance company.
When filing for car insurance, you'll be billed extra to cover the cost of the SR-22 request form and your high-risk driving profile. An SR-22 requirement may disqualify you from buying insurance from some carriers, while others would be happy to sell you a policy.
For drivers who don’t own a vehicle
Needing an SR-22 might disqualify you from purchasing insurance from some companies, while others would be happy to sell you a policy.
For drivers without a vehicle
Not having a vehicle makes it more difficult to obtain an SR-22, as you will need to furnish proof of insurance to receive the certificate. If this is the case, you should buy a non-owners car insurance policy before filing for an SR-22. A non-owners policy is typically less expensive than a standard policy since it won’t provide protection for physical damage sustained by your vehicle.
Compare car insurance rates from Maine's best companies.
Rates by city
Car insurance companies calculate your rate based on many factors, the location of the vehicle being an important one. The cheapest car insurance is found in South Portland, Maine, and the most expensive in Lewiston, Maine.
Have a look at the table below to see average car insurance costs in some of Maine's biggest cities.
|City||Avg. Annual Premium|
Auto insurance pricing trends in Maine
Average annual auto insurance premiums in Maine decreased by $65 in the past year. A normal driver in Maine faces an average rate of $1,035 each year.
The recent pricing trend in Maine leans toward significantly cheaper car insurance costs than the national average. The steepest decrease occurred from 2017 to 2018, while the highest surge took place from 2016 to 2017. At the same time, car insurance rates across the United States have stayed relatively steady in the past few years, moving from $1,521 in 2018 to $1,529 in 2021.
|Year||Avg. Annual Premium — Maine||Yearly Change — Maine||Avg. Annual Premium — USA||Yearly Change — USA|
Maine car insurance FAQs
Below you'll find answers to some of the most commonly asked questions regarding Maine auto insurance.
How much does car insurance cost in Maine?
Drivers in Maine generally pay much less for car insurance than do drivers in other states. On average, Maine drivers pay 32% less for car insurance than drivers in the rest of the U.S. A six-month policy costs an average of $518 in Maine.
Do you need insurance to drive in Maine?
The vehicle you are driving needs to be insured up to the state liability limits, at least. If you're driving a leased or financed vehicle, you will be required to carry full coverage.
Who actually has the cheapest car insurance?
Our data show USAA ($406) and Travelers ($422) offer the cheapest car insurance premiums in Maine.
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About The Zebra
The Zebra is not an insurance company. We publish data-backed, expert-reviewed resources to help consumers make more informed insurance decisions.
- The Zebra’s insurance content is written and reviewed for accuracy by licensed insurance agents.
- The Zebra’s insurance editorial content is not subject to review or alteration by insurance companies or partners.
- The Zebra’s editorial team operates independently of the company’s partnerships and commercialization interests, publishing unbiased information for consumer benefit.
- The auto insurance rates published on The Zebra’s pages are based on a comprehensive analysis of car insurance pricing data, evaluating more than 83 million insurance rates from across the United States.