Cheap Maine Car Insurance

Across the Pine Tree State, there are 46,750 miles of road just waiting to be driven. We’ll get you prepped, then you take the wheel.

Cheap Car Insurance

Cheap Insurance for Good Drivers in Maine

Drivers with good driving records typically enjoy lower car insurance costs than drivers with histories of speeding tickets, at-fault accidents, or DUI citations. Maine drivers without a recent at-fault accident typically save 31% on their car insurance premiums, which approaches the national average of 32%. In addition to earning a cheaper premium for driving incident-free, you may qualify for a safe-driving bonus through your car insurance company. The amount of these discounts may vary, but they typically run between 5 and 10%.

Cheap Insurance for Young Drivers in Maine

Young drivers (those between the ages of 16 and 25) pay extraordinarily high auto insurance rates, with those aged 16-19 paying the most expensive premiums of all. Because of the risk presented by inexperienced drivers, teens pay more than three times the national average for car insurance. Maine is a relatively affordable state for teen drivers: the typical teen driver pays $3,528 per year — about $1,400 less than the national average for teens, but still far more than the Maine driver average across all age groups.

Cheap Car Insurance for Bad Drivers in Maine

If you have a clean driving record — no at-fault accidents, speeding tickets, DUIs, or other recent citations — you'll probably enjoy relatively cheap car insurance rates. On the other hand, a poor driving record will raise your rates: car insurance premiums typically increase by 34% after a DUI, 31% after an at-fault accident, and 19% after a speeding ticket in Maine. The post-incident penalties assessed by car insurance companies in Maine roughly align with national averages. If your driving record is citation-free, be sure to inquire about your insurance company's safe driver discount.

What are the Best Car Insurance Companies in Maine?

Every auto insurer advertises its low prices. But as with any product, the cheapest car insurance option isn't always the best choice. Considering the financial stakes, it's worthwhile to do the homework to discover the policy that will cover your car adequately in the event of an incident. Hunt for a great value, rather than settling for the cheapest car insurance in your state.

Review top auto insurers' financial strength and claims satisfaction ratings to better understand the level of service you can expect. Claims satisfaction — measured by J.D. Power — is ranked on a scale of 2 to 5, with 5 being "among the best" and 2 being "the rest." Financial strength — calculated by A.M. Best and running from "Poor" to "Superior" — assesses an insurer's financial strength and ability to satisfy its policy and contractual obligations.

What is the Best Car Insurance Coverage in Maine?

The minimum required insurance level in Maine is $50,000 Bodily Injury per person, $100,000 Bodily Injury per accident, and $25,000 Property Damage per accident.

For the minimum allowed coverage in Maine, you could owe a mean of $405 yearly. This is cheaper than the national average by 38%. If you opt for a higher level of car insurance coverage, you can choose a policy with comprehensive and collision coverage, which will protect against the costs of car-versus-car wrecks, theft and vandalism, or weather conditions. It's worth noting that better car insurance comes with a cost: in Maine, a comprehensive policy with a $1,000 deductible costs $837, 107% more than liability-only car insurance. For a comprehensive policy with a $500 deductible, expect to pay 133% more than you would for basic coverage.

Compare average rates for basic, better, and best policy options in the below table.

Car Insurance Laws

State minimum insurance requirements in Maine

In Maine, the state minimum coverage requirements are as follows:

Liability

• Bodily Injury $50,000 per person
• Bodily Injury $100,000 per accident
• Property Damage $25,000 per accident

Uninsured/Underinsured Motorist

• Bodily Injury $50,000 per person
• Bodily Injury $100,000 per accident

Medical Payments

• $2,000 per person

Optional coverage in Maine (varies by carrier):

• Comprehensive
• Collision
• Loan/Lease Payoff
• Rental Car Reimbursement
• Roadside Assistance

Liability coverage is legally required in Maine and pays for injury and lost wages that you cause to another driver or their passengers as well as damage to the other driver’s vehicle in the event that you are considered “at fault” in an accident. The coverage limits are determined by each individual state and normally split into three categories. In Maine, the minimum is listed as 50/100/25 and explained below:

• $50,000 bodily injury coverage per person. This is the maximum dollar amount that pays for a single person that you injure in an auto accident.
• $100,000 bodily injury coverage per accident. This is the maximum dollar amount that pays for all injuries that you cause in an accident if more than one person is hurt.
• $25,000 property damage per accident. This is the maximum dollar amount that pays for damage that you cause in an accident.

Uninsured/Underinsured Motorist coverage is legally required in Maine and pays for injury and lost wages that you or your passengers may suffer in the event that you are hit by an uninsured/underinsured driver who is at fault. The coverage limits are determined by each individual state and normally split into two categories. In Maine, the minimum is listed as 50/100 and explained below:

• $50,000 bodily injury coverage per person. This is the maximum dollar amount that pays for a single person injured in your vehicle by an uninsured/underinsured driver.
• $100,000 bodily injury coverage per accident. This is the maximum dollar amount that pays for all injuries in your vehicle by an uninsured/underinsured driver if more than one person is hurt.

Medical Payments provides coverage for injuries that you and your passengers incur in an accident regardless of fault. In Main, a minimum Medical Payments coverage amount of $2,000 per person is required.

These numbers reflect the minimum limits required in Maine but higher coverage amounts are available with most companies.

Car Insurance FAQs

Do you need car insurance in Maine?

Yes — you need car insurance in Maine in order to legally drive and park your vehicle on public roads.

Does Maine have no-fault car insurance?

Maine is not a no-fault state so this coverage is not available.

What type of car insurance does Maine require?

At a minimum, you need bodily injury (limits of $50,000/$100,000), property damage ($25,000), Medical Payments ($2,000), and uninsured motorist coverage. If you have a loan or lease on your vehicle, you will need additional coverage.

How Do Tickets Impact Maine Car Insurance Premiums?

If you get a ticket, your car insurance rates will probably rise. How much your rates rise depends on the violation, your insurer's pricing standards, and local insurance regulations. That's why tickets may have a different impact on insurance in your state compared to the national average.

Below is a look at average auto insurance rates in Maine after a few common violations.