Compare the best rates from 9 car insurance companies in Maine.
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.
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%.
|Rating Factor||$ Savings||% Savings|
|No Traffic Tickets||$228||19.72%|
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.
|Age||Annual Rate with Parents||Annual Rate Alone|
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.
|Rating Factor||Annual Rate||% Increase|
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.
The Zebra compares over 200 companies & 1,800 products, so you can save way more than 15% and find the cheapest car insurance in Maine.
If you happen to find yourself pulled over by a police officer in Maine you won't have to rifle through your glovebox wondering if you remembered to replace that expired insurance card last month. Instead, you can provide proof of coverage with your smartphone.
Car insurance companies calculate your rate based on many factors, location of the vehicle being an important one. The cheapest car insurance is found in Saco, Maine, and the most expensive in Ellsworth, Maine.
|Rank||City||Avg. Annual Premium|
|24||Old Orchard Beach||$758|
Which state would I need to get insurance in if my daughter will be attending graduate school out-of-state and the car is in my name?
I recently purchased a 2012 Chevy Impala with a bank loan (she did not qualify for a car loan even ...
Is there such thing as ‘too much renters insurance’?
My new property manager is requiring a renters insurance policy that provides liability coverage of at least $500,000 per occurrence. ...
Will my renters insurance pay for me to stay in a hotel if my house is damaged?
My neighbor just had a tree fall on their house and they aren’t able to stay in the home until ...
Driving with a blood alcohol content higher than the number above will put you at risk of being arrested for driving under the influence. If arrested you’ll face harsh consequences and may face varying degrees of jail time, fines, driver’s license suspensions, and reinstatement requirements.If convicted of a DUI, you can expect the financial obligations to extend beyond the DUI ticket to court costs, attorney fees, higher insurance rates, and potentially the installation of a Ignition Interlock Device to serve as a breathalyzer test each time you start your vehicle.
At The Zebra, we know better than most just what a pain buying car insurance can be. We also know that students suffer from higher-than-average policy rates. Talk about a double-whammy. That’s why, this year, we’ve decided to continue The Zebra’s annual scholarship with the goal of helping to alleviate the financial pressures of college-bound students in the Maine area, while also getting an insider view of the Pine Tree State.
So, Maine students, we want to see your favorite road trip destination(s) in your state— from your unique perspective. If it makes sense to hit the open road and be our virtual tour guide, that’s great! But there are no limits to what we’re looking for: a narrated animation, a slideshow of memorabilia, an illustrated map of the best roadside attractions on the way. This is a chance for you to showcase any place you love in as an original way as possible.
Applicants must be currently enrolled at or planning to attend a four-year university, graduate program, community college, or trade school located in the continental United States. Upon notification, winner(s) must supply a current proof of enrollment or letter of acceptance.