Car Insurance in Maine
- Travelers offers the cheapest full coverage auto insurance and Progressive the cheapest liability in ME
- Compare the cheapest car insurance quotes in ME from Progressive, Allstate, Liberty Mutual and Nationwide (+ other top companies)
Car insurance quotes in Maine
The average cost for full coverage car insurance in Maine is $751 for a six-month policy — 31% cheaper than the national average. For Mainers aiming to cut costs, the cheapest car insurance quotes for both liability and full coverage come from State Farm.[1]Â
Though 0% of Mainers feel they are overpaying for car insurance, many are willing to spend more for better customer service and comprehensive coverage.[2]Â If you're one of these customers, we suggest starting your search with State Farm.
- Travelers offered the cheapest full insurance coverage in Maine at $66/mo.Â
- See the other cheapest full coverage insurance companies and best discounts in Maine ↓
- Progressive offered the cheapest liability insurance in Maine at $41/mo.*
- Read about the rest of the top and best companies in Maine ↓
- As a highly-rated regional carrier, Amica scored an 709 on J.D. Power's 2024 auto study.[3] For those eligible, USAA is also top rated by J.D. Power for Customer Service.
- Read about the rest of the top and best companies in Maine ↓
- The Zebra used 3rd party reviews from JD Power and AM Best as well as thousands of customer ratings in Maine to name GEICO as the best overall company for Mainer drivers.
- Read more about why we've ranked GEICO as a great fit for many Mainers ↓
*Note:Â USAA offers the cheapest liability-only rates in Maine but is excluded from this list due to its strict eligibility requirements. The Zebra focuses on insurers accessible to most drivers. If you or a family member qualify for USAA, it's an excellent option.
What are the best car insurance companies in Maine?
We used a combination of third-party ratings, cheap overall cost and coverage options to decide on GEICO as the best option for most drivers in Maine. Below are the pros and cons of GEICO plus more of the best-rated companies in Maine.
-
Below average rates
-
Above average customer satisfaction score from J.D. Power
-
Robust online tools and mobile app
-
Lots of discount and coverage options
-
Few physical offices for those preferring in-person interactions
-
Above average NAIC complaint index
-
While you can bundle, their homeowners policies are underwritten by various third-party partners
Updating data...
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| USAA | $461 | $77 |
| GEICO | $733 | $122 |
| State Farm | $925 | $154 |
| Allstate | $926 | $154 |
Source: The Zebra
How did we pick what company has the "Best Value" in Maine?
The author's recommendation for "best value" is based on:
- The Zebra's 2024 Customer Satisfaction Survey
- J.D. Power's 2023 Regional Customer Satisfaction Study
- Each company's average cost of car insurance in Maine
- Available coverage options
- The author's 5+ years of insurance industry experience
Our reviews are based on The Zebra's unbiased and impartial editorial standards. Our ratings of insurance companies are never commissioned-based nor is our content impacted by any partnerships.
For more information, see our editorial standards page.
Cheap full coverage insurance in Maine
In 2025, the average cost of a 6-month full coverage policy in Maine is $751. It’s a popular option for many drivers, with 63% of The Zebra’s Maine customers opting for full coverage.[2]
While full coverage generally costs more than liability-only policies, Mainers looking for cheap full coverage rates should check out quotes from Travelers and USAA, two of the cheapest providers in the state.
Updating data...
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Travelers | $398 | $66 |
| USAA | $461 | $77 |
| GEICO | $733 | $122 |
| Progressive | $787 | $131 |
| State Farm | $925 | $154 |
| Allstate | $926 | $154 |
Source: The Zebra
The Zebra’s auto insurance data methodology
The Zebra’s Dynamic Insurance Rating Tool for home and auto insurance rates utilizes the latest ZIP code-level rate filings from across the U.S., sourced from Quadrant Information Services and S&P Global. These filings, typically updated annually or biennially by insurers, are verified through Quadrant’s QA process and then integrated into The Zebra’s estimator.
The displayed rates are based on a dynamic home and auto profile designed to reflect the content of the page. This profile is tailored to match specific factors such as age, location, and coverage level, which are adjusted based on the page content to show how these variables can impact premiums.
For a comprehensive understanding, see our detailed methodology.
Find the best coverage and price in Maine with The Zebra.
Cheap liability insurance in Maine
In 2025, the average cost for a 6-month liability policy in Maine is $275. For drivers looking for the lowest rates, Travelers and USAA consistently offer some of the most affordable liability coverage in the state.
Liability-only insurance is significantly cheaper than full coverage, making it an attractive option for budget-conscious Mainers. The table below highlights monthly and 6-month quotes from Maine’s top insurance providers.
Updating data...
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| USAA | $158 | $26 |
| Progressive | $254 | $42 |
| GEICO | $257 | $43 |
| Travelers | $288 | $48 |
| State Farm | $333 | $55 |
| Allstate | $394 | $66 |
Source: The Zebra
Based on our data, 37% of Maine drivers opt for liability-only coverage. The state of Maine requires minimum liability limits of 50/100/25, which translates to $50,000 per person and $100,000 per accident for bodily injury, along with $25,000 for property damage per accident.
Maine also requires uninsured/underinsured motorist coverage at $50,000 per person and $100,000 per accident as well as $2,000 in medical payments coverage per personto help cover medical expenses after an accident. For a deeper dive into Maine's car insurance requirements and regulations, see Maine car insurance limits and laws.
Maine has some of the highest minimum liability limits in the country. However, if you want to be on the safer side, increasing them even more isn't a bad idea given:
- Maine's low population density and accident rates make car insurance relatively cheaper.
- 50/100/25 won't be enough if you're in a catastrophic car accident, especially when it involves serious injuries, significant property damage, or fatalities.
At a minimum, we recommend increasing property damage to $50,000 given the high costs of vehicles and repairs. Then, increase your bodily injury liability limits and UMBI/UMPD coverage as you can afford and add comprehensive and collision coverage if you own a newer or more expensive car.
Ross Martin, insurance writer with 5+ years industry experience
Updating data...
| Company | Liability Coverage | Full Coverage |
|---|---|---|
| USAA | $158 | $461 |
| Progressive | $244 | $788 |
| GEICO | $269 | $784 |
| Travelers | $288 | $398 |
| State Farm | $355 | $988 |
| Allstate | $400 | $947 |
Source: The Zebra
Cheap auto insurance for teens and young drivers in Maine
Young drivers in Maine also face high car insurance costs due to their lack of driving experience. Teen drivers can expect to pay significantly more than those in their 20s and 30s, on average — more.
In Maine, the average 6-month premium for teen drivers is , which is around 25% less than the national average. However, there are affordable options available. If you're a teen or have a teen driver comparing insurance companies, Travelers and USAA offer the cheapest average car insurance rates in Maine.
Updating data...
| Company | Avg. Annual Premium |
|---|---|
| Travelers | $2,304 |
| USAA | $2,804 |
| GEICO | $4,256 |
| Allstate | $5,004 |
| State Farm | $7,408 |
| Progressive | $7,806 |
Source: The Zebra
Updating data...
| Company | Avg. Monthly Premium | Avg. 6 Mo. Premium |
|---|---|---|
| Travelers | $252 | $1,514 |
| USAA | $323 | $1,940 |
| GEICO | $430 | $2,582 |
| Allstate | $448 | $2,689 |
| Progressive | $834 | $5,003 |
| State Farm | $834 | $5,005 |
Source: The Zebra
Zebra tip: 3 ways young drivers can save on car insurance
- Complete an approved defensive driving course to qualify for discounts and reduce accident risk.
- Choose a less expensive car with good safety ratings and low repair costs over high-performance models.
- Stay on a parent's policy to save money and benefit from their good insurance history.
Car insurance in popular Maine cities
Your location in Maine can have a big impact on your car insurance costs. In busier areas like Portland and Lewiston, premiums tend to be higher due to more traffic and accident risks.
Living in coastal or winter-prone regions can also raise rates. Insurers see these areas as riskier because comprehensive coverage needs to protect against flooding, storms, and other weather-related hazards.
Updating data...
| City | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| South Portland | $699 | $116 |
| Portland | $730 | $122 |
| Bangor | $741 | $123 |
| Auburn | $755 | $126 |
| Lewiston | $766 | $128 |
Source: The Zebra
Maine auto insurance quotes after an accident or ticket
It can be challenging to secure affordable car insurance in Maine after an accident. Insurers review your driving history, including accidents and tickets, to assess your risk level. If you're found at fault in an accident, your insurance premiums could rise significantly, with rates reaching as high as annually.
Below is a breakdown of what top insurance companies in Maine typically charge after an at-fault accident.
Updating data...
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Travelers | $556 | $93 |
| USAA | $693 | $116 |
| Allstate | $1,183 | $197 |
| GEICO | $1,215 | $202 |
| State Farm | $1,240 | $207 |
| Progressive | $1,252 | $209 |
Source: The Zebra
Zebra tip: Don't forget about claims satisfaction
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. By how much depends on the violation, your insurer's pricing standards, and differing local insurance regulations and risks.
Source: The Zebra
The Zebra's guide to Maine car insurance laws for high-risk drivers
Certain violations, like a DUI or driving without insurance, can complicate your insurance situation. We provide in-depth guides to help you navigate Maine’s car insurance laws and regulations. Learn more about car insurance requirements in the state of Maine with our helpful guide.
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.
Â
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 --% 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 --% above average.
Updating data...
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Travelers | $592 | $99 |
| Progressive | $888 | $148 |
| USAA | $947 | $158 |
| Allstate | $1,197 | $200 |
| GEICO | $1,383 | $231 |
| State Farm | $1,460 | $243 |
Source: The Zebra
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
An SR-22 is a routine legal requirement triggered by a violation such as a DUI conviction, a ticket for driving without insurance, an at-fault collision, driving with a suspended license, or accumulating too many points on your license. It is not a type of insurance policy, but a form issued by your insurance company with the state of Maine to ensure that you remain insured.
Finding cheap auto insurance with an SR-22 in Maine might be tricky, but some research could pay off in the end.
Â
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.Â
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.
Â
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.
Â
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.
Â
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.
Find an affordable policy in Maine in minutes!
How have car insurance costs in Maine changed?
Car insurance rates in Maine have fluctuated over the years. In 2024, the average premium rose to $1,299, up $62 from the previous year. After a slight decrease in 2023, the most significant recent change was in 2022, when premiums jumped by $204. While the market has seen occasional dips, like a $798 drop in 2018 (likely due to fewer claims), overall, rates have trended upward over the last decade.
| Year | Avg. Annual Premium | Yearly Change |
|---|---|---|
| 2024 | $1,299 | $62 |
| 2023 | $1,237 | -$2 |
| 2022 | $1,239 | $204 |
| 2021 | $1,035 | -$65 |
| 2020 | $1,100 | $165 |
| 2019 | $935 | -$3 |
| 2018 | $938 | Â -$798 |
| 2017 | $1,736 | $288 |
| 2016 | $1,448 | -$29 |
| 2015 | $1,477 | $46 |
Maine car insurance FAQs
Below you'll find answers to some of the most commonly asked questions regarding Maine auto insurance.
Start saving money on your next car insurance policy!
Data Methodology. The Zebra’s Dynamic Insurance Rating Tool
Anonymized User Surveys. The Zebra
J.D. Power. Auto Insurance Customer Satisfaction Plummets as Rates Continue to Surge, J.D. Power Finds
2024 Customer Satisfaction Survey. The Zebra
Related content
RECENT QUESTIONS ABOUT CAR INSURANCE IN ME
Other people are also asking...
Can I still get insurance if I just found out that my car has structural damage?
Failure to submit a breathalyzer's impact on car insurance rates?
Will my renters insurance pay for me to stay in a hotel if my house is damaged?
Learn more about car insurance in Maine:
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 editorial 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.