The cost of car insurance in Maine varies significantly depending on the type and amount of insurance coverage you buy, your location, age and driving history. Auto-Owners offers the cheapest rates at $707 a year for full coverage.
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?
CarInsurance.com data found that drivers in Maine pay $98 monthly for full coverage car insurance.
Understanding the average insurance cost can give you a head start in budgeting for your coverage. It’s important to consider that premium costs vary from person to person and will depend largely on the make/model of your car, your driving record and other factors.
Average cost of auto insurance in Maine by coverage level
In Maine, car insurance rates can differ depending on how much coverage you choose. Drivers in Maine are required by law to have minimum insurance coverage limits of 50/100/25 to drive legally.
Liability-only insurance policies are the most affordable option and provide the minimum coverage required in Maine. However, they don’t offer much 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 is more expensive, but it offers extensive protection. It helps cover your vehicle in case of accidents, theft, natural disasters, and animal collisions. Full coverage can make you feel more secure, knowing you’re well-protected if something happens.
Full coverage car insurance 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
Maine laws mandate that all drivers carry insurance with minimum liability limits of $50,000 for bodily injury liability per person, $100,000 for bodily injury liability per accident and $25,000 for 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 be aware of the minimum car insurance requirements to remain legally compliant.
Liability-only car insurance in Maine
The average cost of liability-only insurance in Maine is $341 for the coverage limits of 50/100/50, based on a recent data analysis by CarInsurance.com.
This policy covers the cost of damages caused to others but not damages to the policyholder’s vehicle or passengers. While it is less expensive than a full coverage plan, liability-only insurance does not protect against an accident or theft of the insured vehicle.
Full coverage car insurance in Maine
On average, premiums for full coverage car insurance in Maine cost $1,175 per year 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.
Experts recommend that drivers purchase full coverage insurance with the highest liability limits they can afford to be financially protected. Full coverage car insurance policies include liability, comprehensive and collision coverage.
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Calculate the cost of car insurance in Maine
A policy that is perfect for someone living in one ZIP code might be expensive for a driver living in another.
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
Estimate car insurance in Maine by car model
In Maine, car insurance costs depend on the type of car you drive. If you have a luxury or electric vehicle that’s more expensive to repair, you’ll pay higher insurance rates than someone with a car that’s cheaper to repair.
For instance, Maserati, BMW, Porsche and Audi are some of the most expensive cars to insure. Subaru, Hyundai, Honda and Mazda are among the cheapest cars to insure.
Find out how much car insurance costs for your car 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
Younger drivers and teenagers typically pay more for insurance than older, more experienced drivers. This is because teenagers are more likely to get into car accidents. In fact, teenagers are four times more likely to crash than drivers who are 20 or older, according to the Insurance Institute for Highway Safety.
Car insurance companies know teen drivers are less experienced and riskier to insure. Maine drivers aged 30 to 60 have the lowest average auto insurance rates 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
A history of DUI, speeding, or at-fault accidents often results in significant hikes in insurance premiums. In Maine, a DUI conviction lead to increased rates and you may see a rate hike of up to 48% as insurers categorize you as a high-risk driver.
If you receive a speeding ticket in Maine, be prepared for your car insurance rates to rise by up to 26% when you renew your policy. This increase might last for about three years. However, the exact amount of the increase depends on the specific laws in your state, your insurance provider and your driving record.
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
In Maine, if you’re a high-risk driver, you’ll pay more for car insurance. Factors such as past accidents, speeding tickets, and having a low credit score can increase your insurance costs.
Luckily, there are ways for high-risk drivers to reduce their premium payments. Shopping around and comparing quotes is a great place to start, as each company will have its own rate structure tailored to individual needs.
Use this tool to determine which company has the best prices for drivers with speeding tickets, DUIs, or at-fault accidents on their driving records.
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
Average car insurance cost in different states of U.S.
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Our apologies, we cannot display the data due to availability or spelling errors. Please check the spelling and try again. For assistance, reach out us via Compare car insurance quotes in Maine
In Maine, drivers can save on car insurance by comparing prices from different companies. Many factors affect how much you pay, like your driving history and the type of car you drive. Luckily, there are plenty of choices to help you find good insurance that fits your budget.
Compare the best car insurance options in Maine by getting quotes from different insurance companies.
Below is a breakdown of car insurance companies in Maine and their average 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 Maine’s most expensive city for car insurance at an average cost of $1,261 annually. Yarmouth is the state’s least expensive city, with an average car insurance rate of $1,048 annually.
Car insurance premiums differ across cities in Maine and are influenced by traffic conditions. Cities with heavier traffic often experience more frequent accidents and insurance claims, which results in higher insurance costs.
The number of uninsured drivers, crime rates, and the average cost of repairs and medical bills also influence car insurance rates.
Find below the average annual car insurance cost for drivers in some of Maine’s major 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?
The average cost of a full-coverage car insurance policy in Maine costs $98 monthly for coverage limits of 100/300/100.
Opting for monthly car insurance payments can be a budget-friendly strategy for some people. It allows for spreading the cost throughout the year, making it easier to manage than a hefty annual payment. This approach provides more flexibility and avoids the burden of a large upfront sum.
While paying your car insurance in full upfront at renewal can sometimes get you a discount, the best choice will depend on your 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
The ideal car insurance company varies depending on what matters most to you. Some prioritize excellent customer service, even if it costs slightly more. Others focus on finding the cheapest rates. Some drivers also value the convenience of handling everything through a mobile app, while some prefer the personalized touch of a dedicated agent.
It’s really important to figure out what you need and find the best insurance policy for your car without breaking the bank while driving in Maine.
Resources & Methodology
Sources
- Insurance Institute for Highway Safety. “Teenagers.” Accessed September 2024.
- USAA. “How credit affects insurance premiums.” Accessed September 2024.
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.
Ask the Insurance Expert
Laura Longero
Executive Editor
Laura Longero is an insurance expert and Executive Editor at CarInsurance.com, where she specializes in helping consumers navigate the complexities of the financial and insurance industries. She has 15 years of experience educating people about finance and car insurance. Prior to joining CarInsurance.com, she worked as a reporter and editor at the USA Today Network. Her expertise provides readers with practical guidance, helping them make informed choices about their financial and insurance needs.
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John McCormick
Editorial Director
John is the editorial director for CarInsurance.com, Insurance.com and Insure.com. Before joining QuinStreet, John was a deputy editor at The Wall Street Journal and had been an editor and reporter at a number of other media outlets where he covered insurance, personal finance, and technology.
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Leslie Kasperowicz
Executive Editor
Leslie Kasperowicz is an insurance educator and content creation professional with nearly two decades of experience first directly in the insurance industry at Farmers Insurance and then as a writer, researcher, and educator for insurance shoppers writing for sites like ExpertInsuranceReviews.com and InsuranceHotline.com and managing content, now at CarInsurance.com.
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Nupur Gambhir
Managing Editor
Nupur Gambhir is a content editor and licensed life, health, and disability insurance expert. She has extensive experience bringing brands to life and has built award-nominated campaigns for travel and tech. Her insurance expertise has been featured in Bloomberg News, Forbes Advisor, CNET, Fortune, Slate, Real Simple, Lifehacker, The Financial Gym, and the end-of-life planning service.
Guide to car insurance (with rates) in cities of Maine