Cheap Maine Car Insurance

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

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Why you can trust The Zebra

The Zebra partners with some of the companies we write about. However, our content is written and reviewed by an independent team of editors and licensed insurance agents, and never influenced by our partnerships. Learn more about how we make money, review our editorial standards, reference our data methodology, or view a list of our partners.

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

Compare quotes from dozens of insurers that provide coverage throughout Maine. Enter your ZIP code below to get started.

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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.

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
DUI $1,315 47% $419
Racing $1,419 58% $523
Reckless Driving $1,371 53% $475
Driving with a Suspended License $1,292 44% $396
At-Fault Accident $1,329 48% $433
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
Improper Passing $1,099 23% $202
Following Too Closely $1,099 23% $202
Speeding $1,114 24% $218
Failure to Stop at a Red Light $1,099 23% $202
Illegal Turn $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
Distracted Driving $1,154 29% $258
Driving with Expired Registration $987 10% $91
Failure to Show Documents $987 10% $91
Not-at-Fault Accident $961 7% $65
Failure to Use Child Safety Restraint $896 0% $0
Failure to Wear a Seat Belt $896 0% $0
Driving Without Lights $896 0% $0

 

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

 

Recent Questions:

How can I find out what information a previous car insurance company has on me?

Sorry to hear about your situation. One suggestion would be to call the old insurer and have them release all claims info to you.
Jun 7, 2020 Bangor, ME

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.
Jun 17, 2017 Portland, ME

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.
Oct 16, 2019 Bangor, ME

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.
Aug 26, 2017 Litchfield, ME

Ross Martin
Ross MartinManager, Content Quality

As a licensed insurance agent, Ross researches and writes insurance content intended to help users make informed decisions.

Ross's background is in writing and education. He holds a master's degree from Royal Holloway, University of London.

Ross's work has been cited by The New York Times, Investopedia, The Simple DollarThe BalanceCar and Driver and Fox Business. He has been quoted by CNET, I Drive Safely and Kin Insurance

About The Zebra

The Zebra is not an insurance company. We publish data-backed, expert-reviewed resources to help consumers make more informed insurance decisions.

  • The Zebra’s insurance content is written and reviewed for accuracy by licensed insurance agents.

  • The Zebra’s insurance content is not subject to review or alteration by insurance companies or partners.

  • The Zebra’s editorial team operates independently of the company’s partnerships and commercialization interests, publishing unbiased information for consumer benefit.

  • The auto insurance rates published on The Zebra’s pages are based on a comprehensive analysis of car insurance pricing data, evaluating more than 83 million insurance rates from across the United States.