Explore insurance rating factors and average costs in the state of Maine.
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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.
|Age||Average Yearly Premium|
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.
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|
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.
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|
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!
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.
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|
|Very Good (740-799)||$971.91|
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!
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|
|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|
|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.