Cheap Maine Car Insurance

Find affordable insurance that works for you in Maine. Compare quotes from over 100 top companies.

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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 get you prepped, then you take the wheel.


Affordable Insurance Premiums in Maine

What's the cheapest car insurance in Maine?
RankCompany NameAvg. Annual Premium
2The Hartford$735
4State Farm$995
6Countryway Insurance$1,245
7Vermont Mutual$1,583
9Bristol West$2,163

Compare quotes from 20 insurance companies that provide coverage throughout Maine. Enter your ZIP code below to get started.

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Cheap 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$22819.72%
No Accidents$43331.82%
Good Credit$73444.20%

Cheap 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.

AgeAnnual Rate with ParentsAnnual Rate Alone

Cheap Car 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 FactorAnnual Rate% Increase
At-Fault Accident$1,35931.82%
Speeding Violation$1,15519.72%
Bad Credit$1,66144.20%

Best 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.

Review top auto insurers' financial strength and claims satisfaction ratings to better understand the level of service you can expect. Claims satisfaction — measured by J.D. Power — is ranked on a scale of 2 to 5, with 5 being "among the best" and 2 being "the rest." Financial strength — calculated by A.M. Best and running from "Poor" to "Superior" — assesses an insurer's financial strength and ability to satisfy its policy and contractual obligations.

Insurance CompanyClaims Satisfaction (J.D. Power)Financial Strength (A.M. Best)
Bristol WestNot RatedExcellent
ConcordNot RatedExcellent
Countryway InsuranceNot RatedGood
Liberty Mutual3Excellent
SentryNot RatedSuperior
State Farm3Superior
The Hartford4Excellent
Vermont MutualNot RatedSuperior


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What is the Best Car Insurance Coverage in Maine?

The minimum required insurance level in Maine is $50,000 Bodily Injury per person, $100,000 Bodily Injury per accident, and $25,000 Property Damage per accident.

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.

Compare average rates for basic, better, and best policy options in the below table.

LocationLiability-OnlyComprehensive — $1,000 DeductibleComprehensive — $500 Deductible
National Average$657.66$1,241.26$1,397.94

Maine Auto Insurance Laws

State minimum insurance requirements in Maine

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
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

Learn more about Maine's car insurance laws

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.

ViolationAvg. Annual Auto Insurance Rate% Insurance Rate Increase$ Insurance Rate Increase
Hit and Run$1,41958%$523
Refused Breathalyzer/Chemical Test$1,31547%$419
Reckless Driving$1,37153%$475
Driving with a Suspended License$1,29244%$396
At-Fault Accident$1,32948%$433
Driving with an Open Container$1,16430%$267
Operating a Vehicle Without Permission$1,20034%$304
Passing a School Bus$1,16230%$266
Improper Passing$1,09923%$202
Following Too Closely$1,09923%$202
Failure to Stop at a Red Light$1,09923%$202
Illegal Turn$1,09923%$202
Driving Wrong Way/Wrong Lane$1,09923%$202
Failure to Yield$1,09923%$202
Speeding in a School Zone$1,09522%$199
Driving Too Slowly$1,09522%$199
Distracted Driving$1,15429%$258
Driving with Expired Registration$98710%$91
Failure to Show Documents$98710%$91
Not-at-Fault Accident$9617%$65
Failure to Use Child Safety Restraint$8960%$0
Failure to Wear a Seat Belt$8960%$0
Driving Without Lights$8960%$0

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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 Ellsworth, Maine.

RankCityAvg. Annual Premium
10Old Town$930
19South Portland$886
20Old Orchard Beach$876
24Presque Isle$867

Recent Maine Car Insurance Questions and Answers

Which state would I need to get insurance in if my daughter will be attending graduate school out-of-state and the car is in my name?

The vehicle will need to be insured in the state where it is driven, so you have 1 of 2 options. You can have your daughter added as a co-owner of the vehicle and she will be able to register and insure the vehicle in her name, in the new state.

Will my renters insurance pay for me to stay in a hotel if my house is damaged?

Renters insurance is extremely valuable since it is often inexpensive and provides lots of coverage when things go wrong. Specifically in your situation, your renters policy should include a "loss of use" provision that would cover temporary living expenses if you weren't able to live in your home because of a covered loss.

Is there such thing as 'too much renters insurance'?

If maintaining a specific limit of liability on a renters insurance policy is required by your property manager as part of your lease then there probably isn't any way around it. That being said, the liability coverage you select on your renters insurance coverage is intended to cover you for damage or injury that you may cause.

Failure to submit a breathalyzer's impact on car insurance rates?

This can be tricky to answer. In Maine, they have a law called Implied Consent.

Ross Martin LinkedIn

As a licensed insurance agent, Ross is responsible for researching and writing about all matters related to insurance. He has a background in writing and education, as well as a master's degree from Royal Holloway, University of London. He has been quoted by CNET, and Kin Insurance.