How Much Does Car Insurance Cost in Maine?

The Zebra
Feb. 8, 2019

Auto insurance is relatively cheap in Maine. The average auto insurance rate in Maine is $927 annually — less than the national average by 35.1%.

Your auto insurance premiums are impacted by factors aside from geography. Car insurance premiums price based on an array of factors, including the insured party's age, credit rating, driving history, gender, and marital status.

We examined mean Maine car insurance rates by each of the major rating qualifications. Continue reading to learn how much car insurance costs in your state — or submit your zip code to receive tailored prices from leading auto insurance companies.


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Average Maine car insurance costs by:


  1. Age
  2. Gender
  3. Marital status
  4. Credit score
  5. Driving violations
  6. Coverage level

Average Auto Insurance Prices in Maine by Age

It's unavoidable: as you age, your auto insurance rates shift. As a general rule, auto insurance is pricier for teenage drivers, as car insurance companies see inexperienced drivers as more risky.

In Maine, auto insurance runs $4,701 per year for a 16-year-old driver, compared to $845 yearly for a driver aged between 50 and 59.


MAINE AUTO INSURANCE RATES BY AGE
AgeAverage Yearly Premium
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

If you're facing the frightful prospect of finding insurance for a teen driver, consider that Maine is the 6th cheapest state in which to buy auto insurance for a 16-year-old.




Average Car Insurance Rates in Maine by Gender

While gender does not carry as sizable an effect on auto insurance rates as location or age, it is used as a pricing factor by insurers.


MAINE AUTO INSURANCE PRICES BY GENDER
GenderAverage Annual Premium
Male$926.95
Female$899.00

If you think you aren't getting the best value for your money with your current auto insurance company, the best thing to do is to shop around and compare rates.




Average Car Insurance Rates in Maine by Marital Status

One benefit of marriage — aside from the wedding gifts — is the improved deal you typically receive on car insurance. In Maine, married motorists save $95 per year on car insurance policies. This is a better deal than the US post-wedding price break of $76.


MAINE AUTO INSURANCE PRICES BY MARITAL STATUS
Marital StatusAverage Annual Rate
Single$926.95
Married$832.36
Divorced$926.95
Widowed$916.09

Car insurance coverage for divorced drivers in Maine is the third cheapest in the nation. If you are paying too much for your coverage, do some shopping. You could find a great policy for less!




Average Car Insurance Premiums by Coverage Tier in Maine

How much you pay per month for car insurance depends on how much coverage you select. Liability-only coverage generally is less costly, while lower-deductible comprehensive coverage usually costs more. In Maine, the price gap between liability-only coverage and comprehensive coverage with a $500 deductible is $611.


MAINE CAR INSURANCE RATES BY COVERAGE LEVEL
Coverage LevelAverage Yearly Rate
$100K/$300K/$100K Bodily Injury/Property Damage — Liability Only$473
$100K/$300K/$100K Bodily Injury/Property Damage — $1,000 Comprehensive/Collision$950
$100K/$300K/$100K Bodily Injury/Property Damage — $500 Comprehensive/Collision$1,082
$50K/$100K/$50K Bodily Injury/Property Damage — Liability Only$421
$50K/$100K/$50K Bodily Injury/Property Damage — $1,000 Comprehensive/Collision$899
$50K/$100K/$50K Bodily Injury/Property Damage — $500 Comprehensive/Collision$1,031
State Minimum — Liability Only$416
State Minimum — $1,000 Comprehensive/Collision$894
State Minimum — $500 Comprehensive/Collision$1,027

If you're tired of dealing with expensive car insurance, it's worth shopping policies to discover reasonably priced coverage that meets your requirements.


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Average Car Insurance Costs in Maine by Credit Score

Car insurance underwriters rely on credit as a way of determining a potential customer's reliability. Trended data indicate drivers who maintain solid credit are more dependable car insurance customers: they are less likely to file claims for which insurance companies pay.

In the state of Maine, a driver who has outstanding credit saves $832.25 per year in insurance payments, compared to a driver who has a bad credit score. Learn more about how credit history affects auto insurance expenditures:


MAINE AUTO INSURANCE COSTS BY CREDIT LEVEL
Credit ScoreAverage Yearly Rate
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

Finding inexpensive car insurance if you have a low credit score is sometimes hard. But we're here to help out. Check out our tips on finding car insurance with poor credit and start saving!




Average Auto Insurance Premiums for High-Risk Drivers in Maine

If you’re found at fault for a car accident or found guilty of a vehicular violation, your car insurance rates are bound to rise. The more violations you amass, the more expensive your car insurance policy gets.

In Maine, your first minor at-fault collision results in a penalty of $432.48 annually in car insurance premiums. A DUI — among the most grievous driving infractions — could raise your annual insurance expenditure in Maine by as much as $486.58.


MAINE CAR INSURANCE COSTS AFTER OFFENSES
AgeAverage Yearly Premium
DUI/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 car insurance costs, it's worth getting quotes to discover reasonably priced coverage that suits you.