Car insurance costs in Maine vary greatly depending on various factors, including the type of coverage you choose, coverage limits, your address and personal factors. Auto-Owners offers the cheapest annual rates for full coverage car insurance in Maine at $707 annually.
This comprehensive guide to buying car insurance for Maine drivers is based on data research and expert advice from CarInsurance.com’s team of insurance analysts and editors. We spent countless hours doing the homework for you and analyzed rates for various driver demographics to show you what you can expect to pay.
Keep reading to get a clear idea of how car insurance in Maine works and how much coverage you need.
- Auto-Owners provides the most affordable annual rates for full coverage car insurance in Maine, costing $707 per year.
- In Maine, insurance costs are influenced by various factors, including coverage limits, age, location, make/model of your vehicle and your driving history.
- Minimum liability coverage in Maine costs around $335 annually for limits of 50/100/25, while liability-only coverage costs $341 per year for limits of 50/100/50.
- In Maine, driving incidents can significantly increase premiums, with a speeding ticket raising rates by up to 26%, a DUI raising rates by 48%, and an at-fault accident by up to 49%.
How much is car insurance in Maine?
According to CarInsurance.com data, drivers in Maine pay about $98 per month for full coverage car insurance.
Understanding the average insurance cost can help you plan your budget. Remember, car insurance rates vary widely, depending on the type of car you drive, your driving history and other personal factors.
Average cost of auto insurance in Maine by coverage level
In Maine, the cost of car insurance can vary depending on how much coverage you purchase. Maine drivers need at least the minimum insurance coverage limits of 50/100/25 to legally drive.
Liability-only insurance is the least expensive coverage and meets the minimum legal requirements in Maine, but it doesn’t offer adequate protection.
While liability insurance protects you from financial loss by covering legal defense and damages if you’re found responsible for causing injury or property damage to others, it doesn’t protect your vehicle or passengers.
On the other hand, full coverage car insurance costs more but provides a lot more protection. It covers damage to your car in accidents, theft, natural events and animal collisions. If you have full coverage, you can be reassured that you’re well-protected.
Full coverage comprises liability, comprehensive, collision and any other coverage required by your state.
Below, you will find the rates for car insurance in Maine for different coverage levels.
| Coverage Level | Avg. Monthly Cost | Avg. Annual Cost |
|---|---|---|
| State Minimum – Liability Only BI/PD | $28 | $335 |
| Liability Only – 50/100/50 BI/PD | $28 | $341 |
| Full Coverage – 100/300/100 Liability BI/PD with $500 Comp/Coll Deductible | $98 | $1,175 |
State minimum car insurance in Maine
In Maine, minimum car insurance requirements include $50,000 of bodily injury liability per person, $100,000 of bodily injury liability per accident and $25,000 of property damage liability.
In Maine, you can get state minimum car insurance for $335 per year. However, this minimum coverage doesn’t offer enough protection. Drivers can add other types of insurance, such as comprehensive and collision, increase their liability limits and buy personal injury coverage for added protection.
Drivers in Maine must purchase the minimum required car insurance to operate their vehicles on the road.
Liability-only car insurance in Maine
Liability-only car insurance costs $341 in Maine for coverage limits of 50/100/50, according to CarInsurance.com data.
Liability only pays for damage you cause to other people’s property or for injuries to others in an accident, but it doesn’t cover your passengers’ medical expenses. It’s cheaper than full coverage insurance, but it won’t help if your own car is damaged or stolen.
Full coverage car insurance in Maine
In Maine, you can expect to pay around $1,175 per year for full coverage car insurance for the limits of 100/300/100 – $100,000 in bodily injury coverage, $300,000 in bodily injury coverage per accident and $100,000 in property damage coverage.
When it comes to car insurance, experts recommend opting for full coverage with the highest liability limits you can afford. It includes liability, comprehensive and collision coverage with a deductible. Full coverage car insurance protects you from unexpected events on the road. with a deductible.
Calculate the cost of car insurance in Maine
Insurance costs can vary depending on where you live. An affordable policy for someone in one area might be more expensive for someone living elsewhere.
Different areas pose more or less risk based on crime rate, traffic, car thefts and population density. Insurance companies research each area’s risks and then use that information to determine what they can charge for premiums.
This means that residents in higher-risk neighborhoods in Maine have to bear greater financial burdens than those in areas with lower risks.
Our tool lets you quickly obtain insurance quotes for different coverage limits specific to your ZIP code within minutes. Input your ZIP code to see how much you can save on premiums.
Maine car insurance rates by ZIP Code
For 30 year old Male ( Liability - Minimum)
Estimate car insurance in Maine by car model
Maine car insurance providers use the make and model of your vehicle to determine premiums. If you drive a luxury car, which can be expensive to repair, expect to pay more for insurance than cars that are easier and cheaper to fix.
For instance, luxury brands like Maserati, BMW, Porsche, and Audi usually have higher insurance costs. Cars like Subaru, Hyundai, Honda and Mazda are often cheaper to insure.
See how much you’ll pay for car insurance for your specific make and model in Maine.
Insurance rates by car model
Guide: How to estimate car insurance using our car insurance estimator tool
Car insurance rates by age group in Maine
As you age, the cost of your car insurance might change. As a young driver, you’ll pay more than an experienced, older driver. This is because younger drivers are more prone to accidents. The Insurance Institute for Highway Safety reports that the crash rate for teen drivers is four times higher than for drivers 20 years old or older.
Auto insurance companies understand that teenage drivers typically have less experience and pose a higher risk to insure. In Maine, drivers aged 30 to 60 enjoy the lowest average auto insurance premiums, at $1,166 annually.
Drivers aged 16-19 pay $2,916 more for car insurance than Maine drivers aged 30-60 per year.
See the average rates by age group below:
- For teen drivers: Teens aged 16-19 can expect to pay $4,082 per year for a full coverage car insurance policy.
- For young adults: Drivers aged 20-25 can expect to pay $2,029 yearly for a full coverage policy.
- For average-aged adult drivers: Drivers aged 30 to 60 can expect to pay $1,166 annually in Maine.
- For senior drivers: Drivers aged 65 and older can expect to pay $1,126 per year.
Check out our detailed guide on average car insurance rates by age
Rates based on driver profile, history and habits in Maine
Having a DUI, speeding ticket or being at fault in an accident can substantially increase your insurance rates. In Maine, a DUI conviction often results in higher premiums and you may see an increase of up to 48% as insurers perceive you as a high-risk driver.
If you get caught speeding in Maine, your car insurance rates will increase by 26% when you renew your policy. Typically, you’ll pay the increased premiums for three years. But how much your rates go up can vary depending on the laws in your state, the insurance company you’re with, and your driving history.
Here’s a breakdown of how much your car insurance rate goes up in Maine following driving incidents:
- Speeding ticket: Up to 26% increase
- DUI conviction: 48% increase
- At-fault accident (bodily injury and property damage): 49% increase
Even if you’ve received a traffic ticket, comparing quotes can still help you save money.
Car insurance cost in Maine for high-risk drivers
High-risk drivers in Maine pay more for car insurance than other drivers because they are considered riskier. Factors like accident history, traffic violations and poor credit scores influence how much the policyholder will pay for insurance coverage.
High-risk drivers can lower their insurance premiums by comparing price quotes from different insurance companies. Each company offers different prices, so shopping around and finding the best deal that fits your needs is a good idea.
Use this tool to compare prices from different companies and find out which is cheaper for drivers with speeding tickets, DUI convictions or at-fault accidents.
Select your state and risk factor below to see the insurance company and its
average annual full coverage rates.
| Company Name | Insurance Rates |
|---|---|
| Auto-Owners | $1,051 |
| USAA | $1,255 |
| Travelers | $1,312 |
| State Farm | $1,473 |
| Allstate | $1,634 |
| Progressive | $1,830 |
| Frankenmuth Insurance | $1,966 |
| Geico | $1,975 |
| Farmers | $2,427 |
Learn more: The 10 most important factors that affect car insurance rates
Explore car insurance costs in your neighboring states
Compare car insurance quotes in Maine
Drivers in Maine can save hundreds of dollars by shopping around and comparing quotes. While many factors influence the cost of your car insurance, from driving record to the type of car you drive, there are many options to get the coverage you need at a price that works for you.
Start your search for the best car insurance policy in Maine by getting quotes from several insurers for comparison.
Below are the details of Maine car insurance companies and their annual premiums.
| Company | State Minimum | 50/100/50 | 100/300/100 |
|---|---|---|---|
| Auto-Owners | $229 | $230 | $707 |
| Travelers | $331 | $332 | $853 |
| Progressive | $460 | $461 | $1,106 |
| Allstate | $458 | $458 | $1,147 |
| Geico | $318 | $323 | $1,228 |
| State Farm | $328 | $342 | $1,262 |
| MMG Insurance | $379 | $383 | $1,461 |
| Frankenmuth Insurance | $310 | $317 | $1,492 |
| Farmers | $310 | $322 | $1,664 |
| USAA | $232 | $237 | $827 |
Car insurance rates by city in Maine
Cutler is the priciest city in Maine for car insurance, costing an average of $1,261 annually. On the other hand, Yarmouth is the most affordable city, where drivers pay an average of $1,048 per year for car insurance.
Car insurance rates vary by city in Maine for several reasons. One of the most significant factors is traffic congestion. Areas with more traffic typically have higher rates of accidents and claims, which leads to higher premiums.
The number of uninsured drivers, crime rates, and the average cost of repairs and medical bills also influence car insurance rates.
The table below shows the average annual car insurance premiums for Maine’s largest cities.
Select your city below to see the insurance company and its average full coverage rates.
| Company Name | Insurance Rates |
|---|---|
| Auto-Owners | $689 |
| Travelers | $819 |
| USAA | $887 |
| Progressive | $1,026 |
| Geico | $1,107 |
| Allstate | $1,184 |
| State Farm | $1,296 |
| Frankenmuth Insurance | $1,371 |
| Farmers | $1,627 |
| MMG Insurance | $1,630 |
How much does car insurance cost in Maine per month?
Car insurance in Maine costs an average of $98 a month for a full coverage policy with limits of 100/300/100.
Paying car insurance monthly can offer individuals greater budget flexibility. By spreading the cost over time, they can avoid the strain of a hefty lump sum payment and manage their expenses more comfortably.
Alternatively, paying your car insurance in full upon renewal may earn you a discount. Ultimately, the ideal choice depends on your needs and situation.
| Coverage Level | Avg. Monthly Rates |
|---|---|
| State Minimum – Liability Only BI/PD | $28 |
| Liability Only – 50/100/50 BI/PD | $28 |
| Full Coverage – 100/300/100 Liability BI/PD with $500 Comp/Coll Deductible | $98 |
Final thoughts on choosing car insurance in Maine
There’s no one best car insurance for everyone. Some drivers are willing to pay a bit more for outstanding customer service, some want the lowest rates, others prefer carriers who can handle claims and payments through mobile apps and some prefer agents.
Understanding your needs and finding the best insurance policy at a great price are important. So, take your time and check out different options to find the right policy for you.
Resources & Methodology
Sources
- Insurance Institute for Highway Safety. “Teenagers.” Accessed March 2025.
- USAA. “How credit affects insurance premiums.” Accessed March 2025.
Methodology
CarInsurance.com commissioned Quadrant Information Services to get car insurance rates in Maine. The average premiums are based on the sample profile of a 40-year-old male and female driving a Honda Accord LX with a good insurance score and a clean driving record.
The rates are for different coverage limits. It includes:
- Full coverage car insurance with a coverage limit of $100,000 in bodily injury per person, $300,000 in bodily injury coverage per accident, $100,000 in property damage coverage per accident and a $500 collision/comprehensive deductible.
- Liability-only car insurance rates with a limit of 50/100/50.
- State minimum coverage limit of 50/100/25.
To evaluate the rates, we have compared 53,409,632 insurance quotes from 75 company groups across 34,588 ZIP codes. The average premiums are for comparison purposes only; your exact rates may vary.
Note: USAA is only available to military community members and their families.
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