Cheap Maine Car Insurance

Compare the best rates from 10 car insurance companies in Maine.

Here's what you need to know when driving 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.

Cheap Car Insurance

It's cheap to get car insurance in Maine!

Whoa! Maine is one of the cheapest states for car insurance. Let's see how much you'll save!
At The Zebra we're all about helping you save money on car insurance. Our engine looks for the cheapest insurance provider to find the best fit for you and your vehicle. Since Maine might have cheaper premiums that makes our job a breeze! It's easy to get started—we just need some basic information to begin finding the best auto discounts for you.
What's the cheapest car insurance in Maine?
Rank Company Premium
1 Travelers $618
2 USAA $635
3 Countryway Insurance $706
4 Vermont Mutual $707
5 Patriot $724
6 The Hartford $735
7 MetLife $786
8 Concord $848
9 OneBeacon $850
10 MMG Insurance $905
11 Progressive $948
12 State Farm $962
13 Peerless $1,002
14 Liberty Mutual $1,114
15 GEICO $1,217
16 Allstate $1,292
17 Bristol West $1,685
18 Sentry $1,982
19 Hanover $2,110

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%.

Rating Factor $ Savings % Savings
No Traffic Tickets $228 19.72%
No Accidents $433 31.82%
Good Credit $734 44.20%

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.

Age Annual Rate with Parents Annual Rate Alone
16 $3,405 $4,701
17 $3,255 $4,323
18 $3,257 $3,999
19 $2,862 $2,423

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.

Rating Factor Annual Rate % Increase
At-Fault Accident $1,359 31.82%
DUI $1,414 34.43%
Speeding Violation $1,155 19.72%
Bad Credit $1,661 44.20%
Car Insurance Laws

State minimum insurance requirements in Maine

In Maine, the state minimum coverage requirements are as follows:
Uninsured/Underinsured Motorist
Medical Payments
Optional coverage in Maine (varies by carrier):

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.

Top Maine Car Insurance 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.

Car Insurance FAQs

Are digital insurance cards accepted in Maine?


What does this mean for you?

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.

Do I need uninsured motorist coverage in Maine?

Uninsured Drivers in Maine




Did you know?

Uninsured motorist coverage protects you from damage caused by other drivers without insurance and hit-and-runs.

How much does car insurance cost in Maine cities?

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
1 Ellsworth $846
2 Skowhegan $843
3 Winslow $830
4 Auburn $827
5 Lewiston $824
6 Belfast $824
7 Waterville $822
8 Old Town $814
9 Portland $813
10 Orono $813
11 Augusta $812
12 Brewer $811
13 Bangor $810
14 Rockland $802
15 Sanford $799
16 Bath $792
17 Brunswick $784
18 Caribou $781
19 Gorham $775
20 Westbrook $774
21 Presque Isle $770
22 South Portland $769
23 Biddeford $760
24 Old Orchard Beach $758
25 Saco $756

Recent Maine Car Insurance Questions and Answers

Do I have to repair damage less than $1000

Jun 27, 2018

Car stopped for red light & truck bumps into my rear bumper do I have to report to insurance to ...

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?

Aug 27, 2017

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’?

Jun 18, 2017

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?

Apr 14, 2017

My neighbor just had a tree fall on their house and they aren’t able to stay in the home until ...

Driving Laws

Maine Texting and Driving Laws

  1. Ban on all cell phones for drivers <18 years
  2. Ban on text messaging for all drivers
Alcohol Related Fatalities


Per Year in Maine
Annual DUI Arrests
US Average
DUI Legal Limit


Blood Alcohol Content
Average DUI Cost


Nationally, For First Offenders
What does this mean for you?

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.

Maine Tour Guide Scholarship

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.

Please Note:

  • The length of the road trip to your feature destination is inconsequential. So if you have an awesome spot in mind that’s just two miles from home, we want to see it.

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.

How to Apply:
  • Entrants should create an original video not exceeding 2 minutes. Each video submission must be hosted on YouTube or Vimeo, and should be submitted by email to
  • With your submission, please include your name, address, and phone number.
  • Selected winner(s) will be awarded a check for $1,000.
  • Applications must be received no later than 11:59 p.m. CST on December 31st, 2017.
  • Winner(s) will be selected and notified by e-mail by January 31st, 2018.
  • Submissions will be judged by The Zebra and the winner will be selected based on creativity in the content and presentation.
  • Upon notification, winner(s) must also supply a current proof of enrollment at a four-year university, graduate program, community college, or trade school located in the continental United States.

Fine Print

  • By participating, entrants represent that the video submitted is their sole and original work and does not infringe the intellectual property rights of any other party. In other words, no copyrighted music or images may be used.
  • Employees of The Zebra and their immediate family members are not eligible to participate in the contest.
  • Written credits for any technical or talent positions (e.g., editor, director, actors) should be included with your submission, along with any sources used to create the video.