As many drivers can attest, auto insurance rates tend to increase each year. But auto insurance pricing is complex: the reasons for rate hikes or price breaks are myriad, and vary based on the driver's location.
Location is among the primary rating factors used by insurance companies to assign rates. The state, city, and ZIP code in which a vehicle is parked and operated are weighed when setting auto insurance rates — this comes down to state law and the variable risk associated with insuring a vehicle in a particular area.
Due to the dynamic nature of car insurance pricing, rate trends vary widely by state. Auto insurance rates might be rising year-over-year in one state while they drop in a neighboring area.
Please see trending auto insurance rates in Maine. If your insurance isn't following your state's trend, consider shopping for a more affordable policy. The Zebra's auto insurance comparison tool gathers rates based on your individual profile — enter your ZIP below to get started.
Car insurance price trends in Maine
In Maine, average annual auto insurance premiums went down by $13 in the past year. A driver in Maine typically now pays an average rate of $896 each year.
The general trend in Maine leans toward more expensive car insurance. Between 2015 and 2018, rates increased by $13 each year. Meanwhile, auto insurance rates nationwide have gone up recently, climbing from $1,280 in 2015 to $1,470 in 2018.
MAINE AUTO INSURANCE TRENDS
|Year||Avg. Annual Premium — Maine||Yearly Change — Maine||Avg. Annual Premium — US||Yearly Change — USA|
If your policy pricing trend doesn't align with the above, the best step to take is to shop around.
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How are auto insurance rates changing in the biggest cities in Maine?
Auto insurance policies are priced at a granular geographic level with myriad variables influencing the area's rates. That means drivers could see major differences in their insurance rates, based solely on their city or ZIP code. For example, drivers in Portland faced a bigger year-over-year rate increase (0.5%) than their intrastate neighbors in Auburn (0.4%) between 2018 and 2017.
See below annual rate changes in large Maine cities. If your city is expensive — and moving isn't a feasible option — you can always get quotes and try to find a more reasonable rate.
|City||Avg. Rate Increase — 2018 vs. 2017|