Short-Term Auto Insurance in Maine

If you are looking for insurance flexibility, you could be considering a temporary car insurance policy. Truth is, temporary auto insurance is hard to come by for multiple reasons.

For one, major insurers don't tend to provide policy terms for periods shorter than six months. As car coverage is required by law in most places in the US, it can be risky to jump between policies. Additionally, you risk creating gaps in your insurance history by changing policies frequently, which could lead to higher prices in the long run.

Good news: auto insurance policies typically last for just six months. This allows insurance companies to frequently “re-rate” — or re-price — your costs based on your up-to-date driving record and personal profile.

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The six-month mark also serves as the perfect opportunity for you to reevaluate your insurance situation by considering other insurers. Getting quotes online is easy and complimentary, and there’s no penalty for changing insurers at the start of a new policy — or even mid-policy, assuming you never let your insurance lapse.

The short-term nature of auto insurance makes it easy to find with little advance notice. If you require a policy before you can drive your new vehicle off the lot, trying to find a policy for a longer-term car rental, or searching for insurance on a car you don't own but regularly drive, think about purchasing a six-month policy and ending the agreement as needed.

Temporary car insurance in Maine

See below average auto insurance rates in Maine, ordered by top companies and cities. If you're paying more than the rates listed below, consider other options.

Insurance CompanyAverage 6-Month RateAverage Monthly Rate
Maine State Average — All Companies$464$77
State Farm$515$86
MMG Insurance$478$80

The most affordable option for temporary car insurance in Maine is Concord, through which you can save $14 per month, compared to the next-best option, State Farm. In Maine, the average per-month cost of auto insurance is $77, or $464 over a six-month term.

Where you live has just as large an effect on your car insurance rates as the insurance company you choose. Car insurance companies take into account the frequency of claims in a given area when assigning rates by ZIP code. Take a look at insurance rates in the biggest cities in Maine and compare how much you’re paying.

Insurance CompanyAverage 6-Month RateAverage Monthly Rate
South Portland$385$84

If your premiums don’t align with those listed above, think about shopping around. The short-term nature of a car insurance agreement increases the importance of remaining in-the-know and ready to shop.

Find out more about temporary auto insurance or use The Zebra to compare policies today.

Additional resources

Is it possible to get car insurance with no credit history?

Learn more about weekend-only car insurance.

Check out the best car insurance options for teen drivers.

Find cheap auto insurance for new drivers.

Find temporary insurance now!

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Kristine Lee LinkedIn

Kristine is a licensed insurance agent and one of The Zebra’s in-house content strategists. With a background in copywriting, she covers the ins and outs of the home and car insurance industries. She has been a contributor to numerous publications focused on the nuances of insurance, including