Car Insurance in Maine

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.

The cheapest car insurance companies in Maine

Check out Maine's cheapest carriers in a variety of scenarios.

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:

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

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 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.

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

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. 

Already insured

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.

Currently uninsured?

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.

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.

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.

Maine car insurance FAQs

Below you'll find answers to some of the most commonly asked questions regarding Maine auto insurance.