Find affordable insurance that works for you in Maine. Compare quotes from over 100 top companies.
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.
Compare quotes from 20 insurance companies that provide coverage throughout Maine. Enter your ZIP code below to get started.
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%|
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|
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|
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 Company||Claims Satisfaction (J.D. Power)||Financial Strength (A.M. Best)|
|Bristol West||Not Rated||Excellent|
|Countryway Insurance||Not Rated||Good|
|Vermont Mutual||Not Rated||Superior|
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.
|Location||Liability-Only||Comprehensive — $1,000 Deductible||Comprehensive — $500 Deductible|
In Maine, drivers are legally required to maintain liability, MedPay, and uninsured/underinsured motorist coverages at or above the below levels:
If you get a ticket, your car insurance rates will probably rise. How much your rates rise depends on the violation, your insurer's pricing standards, and local insurance regulations. That's why tickets may have a different impact on insurance in your state compared to the national average.
Below is a look at average auto insurance rates in Maine after a few common violations.
|Violation||Avg. Annual Auto Insurance Rate||% Insurance Rate Increase||$ Insurance Rate Increase|
|Hit and Run||$1,419||58%||$523|
|Refused Breathalyzer/Chemical Test||$1,315||47%||$419|
|Driving with a Suspended License||$1,292||44%||$396|
|Driving with an Open Container||$1,164||30%||$267|
|Operating a Vehicle Without Permission||$1,200||34%||$304|
|Passing a School Bus||$1,162||30%||$266|
|Following Too Closely||$1,099||23%||$202|
|Failure to Stop at a Red Light||$1,099||23%||$202|
|Driving Wrong Way/Wrong Lane||$1,099||23%||$202|
|Failure to Yield||$1,099||23%||$202|
|Speeding in a School Zone||$1,095||22%||$199|
|Driving Too Slowly||$1,095||22%||$199|
|Driving with Expired Registration||$987||10%||$91|
|Failure to Show Documents||$987||10%||$91|
|Failure to Use Child Safety Restraint||$896||0%||$0|
|Failure to Wear a Seat Belt||$896||0%||$0|
|Driving Without Lights||$896||0%||$0|
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.
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.
Our data show Travelers ($309) and The Hartford ($367) offer the cheapest car insurance premiums in Maine.
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.
|Rank||City||Avg. Annual Premium|
|20||Old Orchard Beach||$876|