Short-Term Auto Insurance in Maine

Learn more about the pros and cons of temporary auto insurance in Maine.

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If you're looking for a creative approach to car insurance, you could be interested in a temporary car insurance policy. However, short-term auto insurance contracts are uncommon for multiple reasons.

Some major insurance underwriters don’t offer policy terms for fewer than six months. Since auto coverage is compulsory in every state but one, swapping policies often can be risky. You also risk having gaps in your record by changing policies often, leading to more expensive prices down the road.

Thankfully, auto insurance policies usually run for just six months. This short duration allows car insurance companies to re-rate — or re-price — your premium using your updated driving history and personal info.

The end of a policy period also provides a perfect opportunity to reset your policy and considering other insurers. Comparing rates online is quick and complimentary, and there is no penalty for switching auto insurance companies at the start of a new policy — or even in the middle of your policy term, as long as you don't let your insurance lapse.

Car insurance's flexible nature makes it easy to buy quickly. If you need an insurance policy to drive a new vehicle off the lot, shopping for a policy for a relatively long-term rental or searching for coverage for a car you don't own but drive regularly, consider purchasing a half-year policy and ending the term as needed.



Temporary insurance in Maine

See below average car insurance rates in Maine, ordered by major auto insurance companies and major cities. If you’re paying substantially more than the rates listed below, consider other options.

Insurance CompanyAverage 6-Month RateAverage Monthly Rate
Maine State Average — All Companies$468$78
Concord Group Insurance$489$81
State Farm$498$83
MMG Insurance$515$86

The most affordable option for temporary auto insurance in Maine is USAA, through which you can save $11 per month, compared to the next-cheapest company, Concord Group Insurance. In Maine, the average monthly cost of auto insurance is $78, or $468 over a biannual term.

Where you store your car has a major effect on your auto insurance rates. Car insurance companies take into account the frequency of claims in a given area when pricing policies by ZIP code. View insurance prices in the biggest cities in Maine and compare them to the amount you’re paying.

CityAverage 6-Month RateAverage Monthly Rate
South Portland$443$86

Because of the myriad factors involved in setting insurance rates, your quotes may not match the totals displayed above. If your current rates exceed those listed above, take the time to shop around. The short-term timetable of an auto insurance agreement enhances the importance of remaining informed and ready to shop.

Learn more about temporary auto insurance or use The Zebra to compare rates today.

Compare quotes and find a cheap policy today.

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Kristine Lee
Kristine Lee LinkedIn

Kristine is a licensed insurance agent and one of The Zebra’s in-house content strategists. With a background in copywriting, she covers the ins and outs of the home and car insurance industries. She has contributed to numerous publications focused on the nuances of insurance, including Automoblog,, and