The average cost of full coverage car insurance in Maine is $1,096 per year. Compared to the U.S. average of $1,638, Maine drivers enjoy some of the cheapest car insurance rates in the nation.
Maine drivers can still save even more car insurance. Policygenius can help you see quotes from top companies and find the coverage you need at the price that works best for you.
Methodology & why you can trust our rates
Policygenius has analyzed car insurance rates provided by Quadrant Information Services for every ZIP code in all 50 states plus Washington, D.C. For full coverage policies, the following coverage limits were used:
Bodily injury liability: 50/100
Property damage liability: $50,000
Uninsured/underinsured motorist: 50/100
Comprehensive: $500 deductible
Collision: $500 deductible
In some cases, additional coverages were added where required by state or insurer.
Rates for overall average rate, rates by ZIP code, and cheapest companies determined using averages for single drivers ages 30, 35, and 45. Our sample vehicle was a 2017 Toyota Camry LE driven 10,000 miles/year.
Rates for driving violations and “Poor” credit determined using average rates for a single male 30-year-old driver with a credit score under 578.
Some carriers may be represented by affiliates or subsidiaries. Rates provided are a sample of costs. Your actual quotes may differ.
Cheapest car insurance companies in Maine
Car insurance providers all use pretty much the same information to calculate insurance rates. Your age, driving record, the car you drive, and where you live are some of the biggest factors — but not all companies charge the same amount for coverage, which is why it’s so important to shop around.
Company | Average cost | JD Power Rating |
|---|---|---|
USAA | $51/month | 890 |
Concord Group | $57/month | -- |
State Farm | $62/month | 882 |
GEICO | $64/month | 874 |
MMG | $69/month | -- |
Cheapest car insurance companies by age in Maine
Young drivers are more likely to have an accident and need to file a claim, which is why they see the highest car insurance rates. But rates typically fall over time as drivers approach 25, so as long as they maintain a clean driving record, teens and younger drivers should see their car insurance rates level out.
Age | Cheapest company | Average cost |
|---|---|---|
16 | Concord Group | $1,896 |
18 | Concord Group | $1,520 |
21 | USAA | $885 |
25 | USAA | $713 |
30 | USAA | $631 |
35 | USAA | $607 |
45 | USAA | $591 |
55 | USAA | $591 |
60 | USAA | $591 |
65 | USAA | $591 |
70 | USAA | $591 |
Choosing the right car insurance company in Maine
There’s no one car insurance company that’s right for every driver. The car insurance company with the best rates for you might not be best for your neighbor. The only way to find the best coverage for your specific needs is to shop around and compare costs.
Policygenius can help you see quotes from top companies so you can choose the policy that’s best for you.
Car insurance rates for drivers with driving violations in Maine
Accidents and moving violations like speeding and running through red lights can double your car insurance rates with some companies. More serious offenses, like a DUI conviction, can lead to even bigger rate increases.
Violation | USAA | Concord Group | State Farm | GEICO | MMG |
|---|---|---|---|---|---|
At-fault accident | $961 | $1,162 | $889 | $1,271 | $1,014 |
Suspended license | $1,232 | $1,324 | $818 | $767 | $1,416 |
Open container | $883 | $1,299 | $818 | $807 | $1,416 |
Expired registration | $724 | $1,000 | $818 | $767 | $926 |
Driving without lights | $724 | $1,000 | $818 | $767 | $926 |
Running a red light | $724 | $1,000 | $818 | $807 | $926 |
Following too closely | $724 | $1,000 | $818 | $767 | $926 |
Hit and run | $1,333 | $1,324 | $818 | $2,053 | $1,416 |
Not-at-fault accident | $643 | $772 | $757 | $807 | $843 |
Passing a school bus | $883 | $1,000 | $818 | $767 | $1,416 |
Reckless driving | $883 | $1,324 | $818 | $1,592 | $1,416 |
Cheapest car insurance for drivers with a DUI in Maine
Maine drivers should expect to pay much more for their car insurance if they get a DUI. The average annual cost for car insurance in Maine is $1,096, but drivers can expect to pay an average of of $2,391 per year if they have a DUI, which is an increase of 118%.
According to our research, State Farm, USAA, and Concord Group have the lowest rates for drivers with a DUI or DWI in Maine.
Company | Rates for drivers with DUIs |
|---|---|
State Farm | $818 |
USAA | $1,281 |
Concord Group | $1,299 |
MMG | $1,416 |
GEICO | $2,053 |
Cheapest car insurance for drivers with a speeding ticket in Maine
Getting a speeding ticket in Maine can cause your car insurance rates to go up. The average cost of car insurance for a driver with a speeding ticket in Maine is $1,437 per year. Our research shows the companies offering the lowest rates for drivers with a speeding ticket are USAA, State Farm, and Concord Group.
Company | Rates for drivers with speeding tickets |
|---|---|
USAA | $724 |
State Farm | $818 |
Concord Group | $889 |
MMG | $1,010 |
GEICO | $1,207 |
Cheapest car insurance for drivers with bad credit in Maine
Generally, the lower your credit score, the more you’ll pay for car insurance. With some insurers, a low credit score can raise your rates by hundreds of dollars, so if you’re got poor credit, take time to shop around and compare quotes to find affordable coverage.
Company | Rates for drivers with bad credit |
|---|---|
USAA | $1,043 |
Concord Group | $1,149 |
GEICO | $1,347 |
MMG | $1,357 |
Travelers | $1,443 |
Car insurance costs in Maine cities
Where you live has a big impact on what you’ll pay for car insurance. Local factors like the number of accidents and claims in an area, rates of car theft and vandalism, and even the cost of car repairs in your city will affect what you’ll pay for car insurance. Here’s what drivers pay for coverage in the 10 biggest cities in Maine.
Portland: $1,100
Lewiston: $1,138
Bangor: $1,063
South Portland: $1,055
Auburn: $1,123
Biddeford: $1,025
Sanford: $1,095
Saco: $1,049
Westbrook: $1,055
Augusta: $1,098
If you live in an area with high insurance rates, maintaining a safe driving record can help you lower your insurance costs.
Buying car insurance in Maine
Maine state law says that all drivers have to meet the following minimum coverage requirements (although most drivers need more than the required amounts to be fully protected):
Bodily injury liability coverage per person: $50,000
Bodily injury liability coverage per accident: $100,000
Property damage liability coverage: $25,000
Medical payments coverage: Maine requires motorists to carry $2,000 in coverage for any injuries they or their passengers incur (this isn’t technically PIP)
Uninsured/underinsured motorist coverage: $50,000 per person; $100,000 per accident
Maine is an at-fault state when it comes to car accidents. That means that after an accident, the insurance company of the driver responsible for the accident has to pay for the other party’s injuries and repair bills.
How to get cheap car insurance in Maine
Taking advantage of available discounts is one way to ensure you’re getting the lowest rates possible. Most car insurance companies offer a range of discounts, some of the most common include:
Bundling discount: For getting multiple policies, like home and auto insurance, through the same company
Safe-Driver discount: For drivers with no accidents on their record
Low Mileage discount: For drivers who commute fewer than 7,500 miles per year
Multi-car discount: For insuring multiple cars under the same policy
Military discount: For active-duty military personnel and their families
Not all Mainers will qualify for these discounts, so comparing quotes can help you find affordable coverage.
Frequently asked questions
Who has the cheapest car insurance in Maine?
USAA has the lowest average rates for full coverage in the state, at $610 per year, but the cheapest car insurance company for one driver isn’t necessarily the cheapest for another, so you should still shop around and find the best rates for you.
How much does it cost to insure a car in Maine?
On average, it costs $1,096 per year to insure a car in Maine. While your cost of coverage depends on where you live in the state, car insurance in Maine is usually much cheaper than average.
Is car insurance required in Maine?
Like most states, Maine requires drivers to carry auto insurance. Maine requires you to get at least $50,000 of bodily injury coverage per person, $100,000 per accident, and $25,000 of property damage liability. Drivers also have to carry uninsured motorist coverage and $2,000 of medical payments coverage.
Is Maine a no-fault state?
Maine is not a no-fault state. Drivers have to carry medical payments coverage, but not personal injury protection. They're also not limited on claiming damages from a responsible driver's insurance company after an accident.
