Cheap Maine Car Insurance

Compare the best rates from 20 car insurance companies in Maine.

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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

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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

Can I still get insurance if I just found out that my car has structural damage?

Sorry to hear about your accident and the resulting damages. This is a tricky situation.

Can my insured relative drive my new, uninsured car off the lot?

Even if your relative is insured, they cannot drive the car home without insurance. Their coverage does not extend to your new vehicle unless they choose to add it to their policy.

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.

Do I have to repair damage less than $1000

First and foremost, the advice I give is 100% free. Next, you did not have to report the accident to the police but it is always a good idea.

Maine Tour Guide Scholarship

At The Zebra, we know better than most just what a pain buying car insurance can be. We also know that students suffer from higher-than-average policy rates. Talk about a double-whammy. That’s why, this year, we’ve decided to continue The Zebra’s annual scholarship with the goal of helping to alleviate the financial pressures of college-bound students in the Maine area, while also getting an insider view of the Pine Tree State.


So, students, we want to see your favorite road trip destination(s) in your state— from your unique perspective. If it makes sense to hit the open road and be our virtual tour guide, that's great! But there are no limits to what we're looking for: a narrated animation, a slideshow of memorabilia, an illustrated map of the best roadside attractions on the way. This is a chance for you to showcase any place you love in as an original way as possible.

How do I choose a location?

The length of the road trip to your feature destination is inconsequential. So if you have an awesome spot in mind that's just two miles from home, we want to see it.


Applicants must be currently enrolled at or planning to attend a four-year university, graduate program, community college, or trade school located in the continental United States. Upon notification, winner(s) must supply a current proof of enrollment or letter of acceptance.

How to Apply
1. Create a video

Your original video should not exceed 2 minutes

2. Post online

The video must be hosted on YouTube or Vimeo

3. Submit by email

Email your submission to

4. Please include...

your name, address, and phone number when you submit


Selected winner(s) will be awarded a check for $1,000


Applications must be received by 11:59 p.m. CST on December 31st, 2020


Winner(s) will be selected and notified by email by January 31st, 2021

Judges: The Zebra

The winner will be selected based on creativity in the content and presentation

*Upon notification, winner(s) must also supply a current proof of enrollment at a four-year university, graduate program, community college, or trade school located in the continental United States.

Fine Print

By participating, entrants represent that the video submitted is their sole and original work and does not infringe the intellectual property rights of any other party. In other words, no copyrighted music or images may be used.

Employees of The Zebra and their immediate family members are not eligible to participate in the contest.

Written credits for any technical or talent positions (e.g., editor, director, actors) should be included with your submission, along with any sources used to create the video.