Car Insurance in Maine
- Progressive offers the cheapest liability at $31/mo.
- Travelers has the cheapest full coverage at $69/mo.
Enter your ZIP code to start your search for Maine car insurance:
The Zebra works with 100+ insurance partners to connect you with the best coverage in Maine at the right price.
About The Zebra's recommendations
Beth joined The Zebra in 2022 as an Associate Content Strategist. A licensed insurance agent, she specializes in creating clear, accessible content t…
Credentials
- Licensed Insurance Agent — Property and Casualty
- Associate in Insurance (AINS)
- Professional Risk Consultant (PRC)
- Associate in Insurance Services (AIS)
Drew joined The Zebra as a Senior Content Specialist in 2026, bringing more than a decade of content writing and research experience to help develop …
Credentials
- SEO Copywriting Certification — SEO Content Institute
Kristine joined The Zebra in 2019 as an in-house content researcher and writer, with a property and casualty insurance license. Before joining The Ze…
Credentials
- Licensed Insurance Agent — Property and Casualty
- 6+ years of Experience in the Insurance Industry
Car insurance quotes in Maine
The average car insurance rate in Maine is $795 for a six-month policy — 32% cheaper than the U.S. average.[1] But your location is just one factor out of many. Car insurance rates in Maine are shaped by a variety of factors, including your age, driving history and more.
Best customer service in ME
- Amica Mutual Insurance scored 702 in JD Power's latest study — the highest in Maine.
Cheapest full coverage in ME
- Travelers offered the cheapest full coverage in Maine at $69/mo.
Cheapest liability coverage in ME
- Progressive offered the cheapest liability coverage in Maine at $31/mo.
*Note: USAA offers the cheapest liability-only rates in Maine but is excluded from this list due to its strict eligibility requirements. The Zebra focuses on insurers accessible to most drivers. If you or a family member qualify for USAA, it's an excellent option.
What are the best car insurance companies in Maine?
We’ve named Amica Mutual Insurance as Maine's top car insurance provider. Our decision is based on a combination of consumer feedback, expert evaluations from sources like JD Power, Trustpilot, and AM Best, as well as a thorough review of their discounts and coverage options.
Add insurance companies to the tool below to see how each stacks up against our pick on a national level.
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Cheap full coverage insurance in Maine
In 2026, the average cost of full coverage insurance in Maine is $795 for a six-month policy. Full coverage is a popular choice here, with 63% of The Zebra’s Maine customers opting for quotes that offer this more comprehensive protection.[2]
In Maine, our average user data shows Travelers has the cheapest full coverage quotes at $69 per month.
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| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Travelers | $415 | $69 |
| USAA | $559 | $93 |
| Progressive | $698 | $116 |
| GEICO | $775 | $129 |
| State Farm | $946 | $158 |
| Allstate | $982 | $164 |
| Bristol West | $1,056 | $176 |
Source: The Zebra
Cheap liability insurance in Maine
The average cost for liability insurance in Maine is $295 for a 6-month policy.[1] For our user profile, Progressive offers the most affordable liability insurance options in the state at $31/mo.
According to our data, 37% of Maine drivers carry only the state-required liability coverage.[2] In Maine, the law mandates minimum liability limits of 50/100/25. Learn more about car insurance requirements in the state of Maine with our helpful guide.
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| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| USAA | $184 | $31 |
| Progressive | $186 | $31 |
| GEICO | $269 | $45 |
| Travelers | $312 | $52 |
| Allstate | $393 | $65 |
| State Farm | $407 | $68 |
| Bristol West | $451 | $75 |
Source: The Zebra
The Zebra’s auto insurance data methodology
The Zebra’s Dynamic Insurance Rating Tool for home and auto insurance rates utilizes the latest ZIP code-level rate filings from across the U.S., sourced from Quadrant Information Services and S&P Global. These filings, typically updated annually or biennially by insurers, are verified through Quadrant’s QA process and then integrated into The Zebra’s estimator.
The displayed rates are based on a dynamic home and auto profile designed to reflect the content of the page. This profile is tailored to match specific factors such as age, location, and coverage level, which are adjusted based on the page content to show how these variables can impact premiums.
For a comprehensive understanding, see our detailed methodology.
Maine requires every auto insurance policy to include Medical Payments (MedPay) coverage of at least $2,000 per person.[4] Unlike liability coverage, MedPay helps pay for medical expenses for you and your passengers after a covered accident, regardless of who was at fault. This benefit can help cover costs such as ambulance rides, hospital visits, and other necessary medical treatment, providing immediate financial assistance while other insurance claims are being resolved.
Renata Balasco, licensed agent and insurance writer at The Zebra
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| Company | Liability Coverage - 6mo | Full Coverage - 6mo |
|---|---|---|
| Vermont Mutual | $229 | $693 |
| USAA | $184 | $559 |
| Travelers | $312 | $415 |
| State Farm | $407 | $946 |
| Progressive | $186 | $698 |
| MetLife | $322 | $956 |
| MMG Insurance Company | $191 | $567 |
| GEICO | $269 | $775 |
| Concord Group | $321 | $704 |
| Bristol West | $451 | $1,056 |
| Allstate | $393 | $982 |
Source: The Zebra
Local insights
Drivers near you in Maine weigh in
"I use MMG Insurance and have for ten years. Never had a problem."
-Reddit user on r/Maine
"Progressive. I have 6 cars and pay only $500 for 6 month policy."
-Reddit user on r/Maine
Car insurance in popular Maine cities
Car insurance companies calculate your rate based on many factors, the location of the vehicle being an important one. The cheapest car insurance is found in Biddeford, Maine and the most expensive in Lewiston, Maine.
Have a look at the table below to see average car insurance costs in some of Maine's biggest cities.
Source: The Zebra
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Source: The Zebra
Helping you insure with confidence
With over 6 years of industry experience spanning commercial and personal insurance lines, Nicholas is a dedicated insurance professional lending his…
Credentials
- Licensed Insurance Agent — Property and Casualty
Erica began at The Zebra in 2020 as a Licensed Service Agent, bringing six years of insurance experience from her career at Progressive where she spe…
Credentials
- Licensed Insurance Agent — Property and Casualty
- 10+ years in the insurance industry
Blake joined The Zebra in 2021 after a 5-year career at GEICO, where he started as a producer selling auto, property, cycle, RV, and boat policies be…
Credentials
- Licensed Insurance Agent - Property and Casualty
- 7+ years insurance experience
Maine auto insurance quotes after an accident or ticket
Your driving history plays a major role in what you’ll pay for car insurance in Maine. Even one at-fault accident can send your premiums soaring. Insurers see your past accidents as a sign of risk, so even a single incident can lead to a steep rate increase. Check out the average cost of coverage from top Maine insurers after an at-fault accident.
Source: The Zebra
Source: The Zebra
Maine car insurance for high-risk drivers
For high-risk drivers in Maine with serious infractions like a DUI or reckless driving, the consequences extend far beyond fines — they can significantly impact your car insurance. These violations often lead to higher premiums, potential policy cancellations, and challenges in finding coverage.
Understanding Maine's insurance requirements is crucial for staying on the road legally. Our comprehensive guide breaks down the essentials, from mandatory coverage to the penalties for non-compliance, helping you navigate the complexities of high-risk auto insurance in the state.
How much does OUI insurance cost in Maine?
In Maine, an OUI/DUI offense can increase your annual car insurance premium substantially. Finding affordable auto insurance in the wake of an OUI violation isn’t simple. In fact, it often brings about a bigger premium increase than any single road violation — more than an at-fault accident, racing, or reckless driving.
Rate increase: +$672
The average 6-month premium increase after an OUI in Maine. This premium increase typically lasts 3-5 years.
First time OUI penalties
- $500 fine
- 150-day driver's license suspension
- Up to 364 days in jail
OUI record impact timeline
- DMV record: Lifetime
- Criminal record: Permanent (Maine does not allow expungement)
Cheap car insurance after an OUI in Maine
If you're convicted of an OUI/DUI violation in Maine, it’s key to mull over each of your insurance choices carefully. Auto insurance premiums following a DUI can vary substantially by insurer. Check out the table below to see average rates by top insurers in Maine.
Updating data...
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Travelers | $620 | $103 |
| Progressive | $856 | $143 |
| Bristol West | $860 | $143 |
| USAA | $1,157 | $193 |
| Allstate | $1,226 | $204 |
| GEICO | $1,370 | $228 |
| State Farm | $1,416 | $236 |
Source: The Zebra
There is no car insurer in particular that offers inexpensive DUI car insurance. The recommended way to save in the wake of a DUI citation is to shop around.
Maine SR-22 laws
An SR-22 is a routine legal requirement triggered by a violation such as a DUI conviction, a ticket for driving without insurance, an at-fault collision, driving with a suspended license, or accumulating too many points on your license. It is not a type of insurance policy, but a form issued by your insurance company with the state of Maine to ensure that you remain insured. In Maine, drivers with an OUI must have an SR-22 for three years.
Finding cheap auto insurance with an SR-22 might require some research, but it could pay off in the end.
How to acquire an SR-22 in Maine
For currently insured drivers
If you already have auto insurance, getting an SR-22 certificate is straightforward. Contact your car insurance company and ask them to file an SR-22 request for you. If your insurer isn’t willing to file a request, you'll need to look for a new insurer.
For uninsured drivers
When filing for a new policy, you might be saddled with an up-front fee to have your prospective insurer file an SR-22 request for you and to cover your high-risk driving profile. Needing an SR-22 might disqualify you from purchasing insurance from some companies, while others would be happy to sell you a policy.
For drivers without a vehicle
Not owning a vehicle makes it more difficult to obtain an SR-22, as you will need to furnish proof of insurance to receive the certificate. In this scenario, purchase a non-owners car insurance policy before filing an SR-22 request. Non-owners auto insurance is typically less expensive than traditional coverage since it doesn't protect against material damage to your vehicle.
Find an affordable policy in Maine in minutes!
How have average car insurance costs in Maine changed?
Maine's auto insurance market has experienced notable ups and downs in recent years, with premiums shifting alongside economic conditions, regulatory changes, and evolving risk factors. Rates have seen periods of sharp increases, often tied to rising claim costs and broader inflation trends, as well as occasional slowdowns or declines.
This kind of volatility highlights why it pays to shop around — insurance prices can vary widely depending on timing, market conditions, and individual factors, making regular comparison one of the easiest ways for drivers to avoid overpaying.
| Year | Avg. Annual Premium |
|---|---|
| 2026 | $1,502 |
| 2025 | $1,551 |
| 2024 | $1,299 |
| 2023 | $1,237 |
| 2022 | $1,239 |
| 2021 | $1,035 |
| 2020 | $1,100 |
| 2019 | $935 |
| 2018 | $938 |
| 2017 | $1,736 |
| 2016 | $1,448 |
| 2015 | $1,477 |
Start saving money on your next car insurance policy!
Maine car insurance FAQs
Below you'll find answers to some of the most commonly asked questions regarding Maine auto insurance.
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Data Methodology. The Zebra’s Dynamic Insurance Rating Tool
Data Methodology. The Zebra’s Dynamic Insurance Rating Tool
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Anonymized User Surveys. The Zebra
Anonymized User Surveys. The Zebra
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U.S. Auto Insurance Study. JD Power
U.S. Auto Insurance Study. JD Power
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Medical Payments (MedPay) coverage. Mandatory Medical Payments
Medical Payments (MedPay) coverage. Mandatory Medical Payments
RECENT QUESTIONS ABOUT CAR INSURANCE IN MAINE
Can I still get insurance if I just found out that my car has structural damage?
Failure to submit a breathalyzer's impact on car insurance rates?
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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.
