What's the Average Cost of Auto Insurance in Maine?

The Zebra
Oct. 11, 2018

Car insurance is typically inexpensive in Maine. The average auto insurance premium in Maine is $927 per year — 35.1% less than the US average.

Your car insurance rates are impacted by more than just state lines. Car insurance premiums price based on myriad components, including one's marital status, driving history, credit rating, gender, and age.

We analyzed average Maine car insurance premiums by all of the major pricing components. See below how much car insurance costs in each state — or submit your zip to receive personalized prices from top car insurers.


Average Auto Insurance Expenditure in Maine by Age

It’s a fact of life: as you age, your car insurance premiums shift. Typically, car insurance is more expensive for young drivers, as insurers see inexperienced motorists as less responsible.

In Maine, car insurance costs $4,701 annually for a 16-year-old driver, versus $845 per annum for a driver in his or her 50s.


MAINE CAR INSURANCE PRICES BY AGE BRACKET
Age Average Yearly Rate
16 $4,700.61
17 $4,323.11
18 $3,999.48
19 $2,423.32
20s $1,335.19
30s $913.91
40s $878.76
50s $844.83
60s $836.15
70s $831.40



Average Car Insurance Outlays in Maine by Gender

While gender does not have as sizable an impact on car insurance rates as state or age, it is used as a rating factor. Women pay less than do men for auto insurance in Maine, but the gap is just $27.95 annually.

MAINE CAR INSURANCE PRICES BY GENDER
Gender Average Annual Premium
Male $926.95
Female $899.00



Average Auto Insurance Premiums in Maine by Marital Status

A benefit of wedlock — in addition to the honeymoon — is the better deal you may get on car insurance. In Maine, married drivers save $95 annually on car insurance. This is a better deal than the national average of $76.


MAINE AUTO INSURANCE PRICES BY MARITAL STATUS
Marital Status Average Annual Premium
Single $926.95
Married $832.36
Divorced $926.95
Widowed $916.09



Average Car Insurance Prices in Maine by Credit

Car insurance underwriters utilize credit history as a way of determining how responsible a customer will be. Data suggest motorists who maintain superior credit are usually more insurable auto insurance customers: they're less likely to file claims insurance companies have to cover.

In Maine, a driver who holds exceptional credit saves $832.25 each year in insurance payments, compared to a driver who has a low credit rating. Read more about how credit can impact car insurance outlays:


MAINE CAR INSURANCE COSTS BY CREDIT SCORE
Credit Score Average Annual Premium
Very Poor (300-579) $1,661.19
Fair (580-669) $1,373.06
Good (670-739) $1,161.07
Very Good (740-799) $971.91
Exceptional (800-850) $828.94



Average Car Insurance Costs for Drivers with Bad Records in Maine

If you are defined as at fault after a driving incident or found guilty of a driving offense, your auto insurance premiums are bound to grow. The more violations you accumulate, the more costly your auto insurance gets.

In Maine, your first minor at-fault incident will cost you $432.48 each year in auto insurance premiums. A DUI — among the most serious driving violations — could lift your annual insurance expenditure in Maine by as much as $486.58.


MAINE CAR INSURANCE COSTS AFTER INFRACTIONS
Age Average Yearly Premium
DUI or DWI $1,413.59
Reckless Driving $1,352.88
At-Fault Accident (<$1,000) $1,359.49
At-Fault Accident ($1,000-$2,000) $1,961.51
At-Fault Accident (>$2,000) $1,359.49
Open Container $2,305.64
Speeding (21-25 MPH > limit) $1,503.52
Speeding (16-20 MPH > limit) $1,503.52

If you're facing above-average auto insurance costs, consider getting quotes to discover inexpensive coverage that fits your budget.


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