Edited By Kristine Lee
Here's what you need to know when driving in Maine
Across the Pine Tree State, there are 46,750 miles of road just waiting to be driven. We’ll help you find the right quote options from top insurance companies so you can hit the road safely without hurting your wallet.
Affordable insurance companies in Maine
What's the cheapest car insurance in Maine?
| Rank | Company Name | Avg. Annual Premium |
|---|---|---|
| 1 | Travelers | $618 |
| 2 | The Hartford | $735 |
| 3 | USAA | $843 |
| 4 | State Farm | $995 |
| 5 | Progressive | $1,139 |
| 6 | Countryway Insurance | $1,245 |
| 7 | Vermont Mutual | $1,583 |
| 8 | Allstate | $1,594 |
| 9 | Bristol West | $2,163 |
| 10 | Hanover | $2,789 |
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Cheap auto insurance for good drivers in Maine
Drivers with good driving records typically enjoy lower car insurance costs than drivers with histories of speeding tickets, at-fault accidents, or DUI citations. Maine drivers without a recent at-fault accident typically save 31% on their car insurance premiums, which approaches the national average of 32%. In addition to earning a cheaper premium for driving incident-free, you may qualify for a safe-driving bonus through your car insurance company. The amount of these discounts may vary, but they typically run between 5 and 10%.
| Rating Factor | $ Savings | % Savings |
|---|---|---|
| No Traffic Tickets | $228 | 19.72% |
| No Accidents | $433 | 31.82% |
| Good Credit | $734 | 44.20% |
Cheap auto insurance for young drivers in Maine
Young drivers (those between the ages of 16 and 25) pay extraordinarily high auto insurance rates, with those aged 16-19 paying the most expensive premiums of all. Because of the risk presented by inexperienced drivers, teens pay more than three times the national average for car insurance. Maine is a relatively affordable state for teen drivers: the typical teen driver pays $3,528 per year — about $1,400 less than the national average for teens, but still far more than the Maine driver average across all age groups.
| Age | Annual Rate with Parents | Annual Rate Alone |
|---|---|---|
| 16 | $3,405 | $4,701 |
| 17 | $3,255 | $4,323 |
| 18 | $3,257 | $3,999 |
| 19 | $2,862 | $2,423 |
Cheap auto insurance for bad drivers in Maine
If you have a clean driving record — no at-fault accidents, speeding tickets, DUIs, or other recent citations — you'll probably enjoy relatively cheap car insurance rates. On the other hand, a poor driving record will raise your rates: car insurance premiums typically increase by 34% after a DUI, 31% after an at-fault accident, and 19% after a speeding ticket in Maine. The post-incident penalties assessed by car insurance companies in Maine roughly align with national averages. If your driving record is citation-free, be sure to inquire about your insurance company's safe driver discount.
| Rating Factor | Annual Rate | % Increase |
|---|---|---|
| At-Fault Accident | $1,359 | 31.82% |
| DUI | $1,414 | 34.43% |
| Speeding Violation | $1,155 | 19.72% |
| Bad Credit | $1,661 | 44.20% |
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Top rated car insurance companies in Maine
Every auto insurer advertises its low prices. But as with any product, the cheapest car insurance option isn't always the best choice. Considering the financial stakes, it's worthwhile to do the homework to discover the policy that will cover your car adequately in the event of an incident. Hunt for a great value, rather than settling for the cheapest car insurance in your state.
Use the table below to better understand the quality of service you'll receive. You'll see reviews for popular auto insurers' financial strength, claims satisfaction, and customer satisfaction including an internal satisfaction score from The Zebra's customers.
| Insurance Company |
Claims Satisfaction (J.D. Power) |
Customer Satisfaction (J.D. Power) |
Financial Strength (A.M. Best) |
Customer Satisfaction (The Zebra) |
| Allstate | Average | Average | Superior | 4.3 / 5 |
| Countryway Insurance | N/A | N/A | Excellent | N/A |
| GEICO | Average | Average | Superior | 4.4 / 5 |
| Hanover | N/A | N/A | Excellent | N/A |
| Progressive | Below average | Below average | Excellent | 4.3 / 5 |
| State Farm | Above average | Above average | Superior | 4.5 / 5 |
| The Hartford | Excellent | Above average | Excellent | N/A |
| Travelers | Average | Below average | Superior | 4.3 / 5 |
| USAA | Excellent | Excellent | Superior | 4.6 / 5 |
| Vermont Mutual | N/A | N/A | Superior | N/A |
Maine auto insurance laws
In Maine, drivers are legally required to maintain liability, MedPay, and uninsured/underinsured motorist coverages at or above the below levels:
Liability
- Bodily Injury $50,000 per person
- Bodily Injury $100,000 per accident
- Property Damage $25,000 per accident
Uninsured/Underinsured Motorist
- Bodily Injury $50,000 per person
- Bodily Injury $100,000 per accident
Medical Payments
- $2,000 per person
Optional coverage in Maine (varies by carrier):
- Comprehensive
- Collision
- Loan/Lease Payoff
- Rental Car Reimbursement
- Roadside Assistance
For the minimum allowed coverage in Maine, you could owe a mean of $405 yearly. This is cheaper than the national average by 38%. If you opt for a higher level of car insurance coverage, you can choose a policy with comprehensive and collision coverage, which will protect against the costs of car-versus-car wrecks, theft and vandalism, or weather conditions. It's worth noting that better car insurance comes with a cost: in Maine, a comprehensive policy with a $1,000 deductible costs $837, 107% more than liability-only car insurance. For a comprehensive policy with a $500 deductible, expect to pay 133% more than you would for basic coverage.
Learn more about Maine's car insurance laws.
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Ticket Impact on Auto Insurance Rates in Maine
If you get a ticket, your car insurance rates will probably rise. How much your rates rise depends on the violation, your insurer's pricing standards, and local insurance regulations. That's why tickets may have a different impact on insurance in your state compared to the national average.
Below is a look at average auto insurance rates in Maine after a few common violations.
Maine car insurance FAQs
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 48% less for car insurance than drivers in the rest of the U.S. A six-month policy costs an average of $471 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 Travelers ($309) and The Hartford ($367) offer the cheapest car insurance premiums in Maine.
How much does car insurance cost in Maine cities?
Car insurance companies calculate your rate based on many factors, location of the vehicle being an important one. The cheapest car insurance is found in Presque Isle, Maine, and the most expensive in Waterville, Maine.
| Rank | City | Avg. Annual Premium |
|---|---|---|
| 1 | Waterville | $964 |
| 2 | Lewiston | $961 |
| 3 | Auburn | $956 |
| 4 | Portland | $936 |
| 5 | Bangor | $933 |
| 6 | Sanford | $927 |
| 7 | South Portland | $886 |
| 8 | Saco | $874 |
| 9 | Biddeford | $871 |
| 10 | Presque Isle | $867 |
