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 agents. Reference our data methodology and learn more about how we make money.

Author profile picture

Ava Lynch

Insurance Analyst

  • 7+ years of Experience in the Insurance Industry

Ava joined The Zebra as a writer and licensed insurance agent in 2016. She now works as a senior insurance contributor, providing insights and data a…

Author profile picture

Kristine Lee

Insurance Analyst

  • Licensed Insurance Agent — Property and Casualty
  • 4+ years of Experience in the Insurance Industry

Kristine is a licensed insurance agent who joined The Zebra in 2019 as an in-house content researcher and writer. Before joining The Zebra, she was a…

Auto insurance is relatively cheap in Maine. The average auto insurance rate in Maine is $927 annually — less than the national average by 35.1%.

Your auto insurance premiums are impacted by factors aside from geography. Car insurance premiums price based on an array of factors, including the insured party's age, credit rating, driving history, gender, and marital status.

We examined mean Maine car insurance rates by each of the major rating qualifications. Continue reading to learn how much car insurance costs in your state — or submit your zip code to receive tailored prices from leading auto insurance companies.


Average Maine car insurance costs by:

  1. Age
  2. Gender
  3. Marital status
  4. Credit score
  5. Driving violations
  6. Coverage level


Average Auto Insurance Prices in Maine by Age

It's unavoidable: as you age, your auto insurance rates shift. As a general rule, auto insurance is pricier for teenage drivers, as car insurance companies see inexperienced drivers as riskier.

In Maine, auto insurance runs $4,701 per year for a 16-year-old driver, compared to $845 yearly for a driver aged between 50 and 59.

Age Average Yearly Premium
16 $4,700.61
17 $4,323.11
18 $3,999.48
19 $2,423.32
20s $1,335.19
30s $913.91
40s $878.76
50s $844.83
60s $836.15
70s $831.40

If you're facing the frightful prospect of finding insurance for a teen driver, consider that Maine is the sixth-cheapest state in which to buy auto insurance for a 16-year-old.



Average Car Insurance Rates in Maine by Gender

While gender does not carry as sizable an effect on auto insurance rates as location or age, it is used as a pricing factor by insurers.

Gender Average Annual Premium
Male $926.95
Female $899.00

If you think you aren't getting the best value for your money with your current auto insurance company, the best thing to do is to shop around and compare rates.


Average Car Insurance Rates in Maine by Marital Status

One benefit of marriage — aside from the wedding gifts — is the improved deal you typically receive on car insurance. In Maine, married motorists save $95 per year on car insurance policies. This is a better deal than the US post-wedding price break of $76.

Marital Status Average Annual Rate
Single $926.95
Married $832.36
Divorced $926.95
Widowed $916.09

Car insurance coverage for divorced drivers in Maine is the third cheapest in the nation. If you are paying too much for your coverage, do some shopping. You could find a great policy for less!



Average Car Insurance Premiums by Coverage Tier in Maine

How much you pay per month for car insurance depends on how much coverage you select. Liability-only coverage generally is less costly, while lower-deductible comprehensive coverage usually costs more. In Maine, the price gap between liability-only coverage and comprehensive coverage with a $500 deductible is $611.

Coverage Level Average Yearly Rate
$100K/$300K/$100K Bodily Injury/Property Damage — Liability Only $473
$100K/$300K/$100K Bodily Injury/Property Damage — $1,000 Comprehensive/Collision $950
$100K/$300K/$100K Bodily Injury/Property Damage — $500 Comprehensive/Collision $1,082
$50K/$100K/$50K Bodily Injury/Property Damage — Liability Only $421
$50K/$100K/$50K Bodily Injury/Property Damage — $1,000 Comprehensive/Collision $899
$50K/$100K/$50K Bodily Injury/Property Damage — $500 Comprehensive/Collision $1,031
State Minimum — Liability Only $416
State Minimum — $1,000 Comprehensive/Collision $894
State Minimum — $500 Comprehensive/Collision $1,027

If you're tired of dealing with expensive car insurance, it's worth shopping for policies to discover reasonably priced coverage that meets your requirements.



Average Car Insurance Costs in Maine by Credit Score

Car insurance underwriters rely on credit as a way of determining a potential customer's reliability. Trended data indicate drivers who maintain solid credit are more dependable car insurance customers: they are less likely to file claims for which insurance companies pay.

In the state of Maine, a driver who has outstanding credit saves $832.25 per year in insurance payments, compared to a driver who has a bad credit score. Learn more about how credit history affects auto insurance expenditures:

Credit Score Average Yearly Rate
Very Poor (300-579) $1,661.19
Fair (580-669) $1,373.06
Good (670-739) $1,161.07
Very Good (740-799) $971.91
Exceptional (800-850) $828.94

Finding inexpensive car insurance if you have a low credit score is sometimes hard. But we're here to help out. Check out our tips on finding car insurance with poor credit and start saving!


Average Auto Insurance Premiums for High-Risk Drivers in Maine

If you’re found at fault for a car accident or found guilty of a vehicular violation, your car insurance rates are bound to rise. The more violations you amass, the more expensive your car insurance policy gets.

In Maine, your first minor at-fault collision results in a penalty of $432.48 annually in car insurance premiums. A DUI — among the most grievous driving infractions — could raise your annual insurance expenditure in Maine by as much as $486.58.

Violation Average Yearly Premium
DUI/DWI $1,413.59
Reckless Driving $1,352.88
At-Fault Accident (<$1,000) $1,359.49
At-Fault Accident ($1,000-$2,000) $1,961.51
At-Fault Accident (>$2,000) $1,359.49
Open Container $2,305.64
Speeding (21-25 MPH > limit) $1,503.52
Speeding (16-20 MPH > limit) $1,503.52

If you're facing above-average car insurance costs, it's worth getting quotes to discover reasonably priced coverage that suits you.


Compare over 100 insurance companies at once!

Location pin icon
No junk mail. No spam calls. Free quotes.

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.