- The average cost of car insurance in Maine is $1,808 a year or $151 per month, based on our data analysis.
- Minimum liability coverage in Maine costs around $461 annually for limits of 50/100/25, while liability-only coverage costs $470 per year for limits of 50/100/50.
- Travelers provides the most affordable annual rates for full coverage car insurance in Maine, costing $977 per year.
- In Maine, driving incidents can significantly increase premiums, with a speeding ticket raising rates by up to 36%, a DUI raising rates by 66%, and an at-fault accident by up to 60%.
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. Travelers offers the cheapest rates at $977 a year for full coverage.
This guide makes buying car insurance in Maine easy. We’ve done the hard work by researching and analyzing what different drivers might pay for insurance.
Keep reading to get a clear idea of how car insurance in Maine works and how much coverage you need.
How much is car insurance in Maine?
According to CarInsurance.com data, drivers in Maine pay about $151 per month for full coverage car insurance.
Understanding the average insurance cost can help you budget effectively for your coverage. Remember that insurance premiums can differ significantly based on your vehicle’s make and model and your driving history.
See how rates change in Maine based on driver profile:
- Teen drivers in Maine pay the most — about $536 a month or $6,431 a year.
- Young drivers in their 20s pay an average of $272 monthly or $3,263 annually, for car insurance.
- Senior drivers pay around $141 monthly or $1,687 a year.
- A speeding ticket can increase your rates to $205 monthly or $2,465 annually.
- An at-fault accident increases car insurance rates to $241 a month or $2,894 a year.
- Poor credit drivers usually see their car insurance costs increase to $345 monthly or $4,141 annually.
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 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.
In the table below, see the car insurance premiums in Maine for three different coverages.
| Coverage level | Monthly rates | Annual rates |
|---|---|---|
| State Minimum BI/PD | $38 | $461 |
| Liability Only – 50/100/50 BI/PD | $39 | $470 |
| Full Coverage – 100/300/100 BI/PD – 500 Comp/Coll | $151 | $1,808 |
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 $461 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 insurance coverage requirements to stay compliant.
Liability-only car insurance in Maine
The average cost of liability-only insurance in Maine is $470 for the coverage limits of 50/100/50, based on a recent data analysis by CarInsurance.com.
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
On average, premiums for full coverage car insurance in Maine cost $1,808 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.
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.
As a result, people living in higher-risk neighborhoods of Maine have to pay more than those living where the risks are lower.
With our easy-to-use tool, you can get insurance quotes for different coverage limits for your ZIP code in minutes. Enter your ZIP code into our free tool to see how much you can save.
Calculate car insurance rates by ZIP code in Maine
Rates vary by location. Our tool helps you understand how your ZIP code impacts your premium.
For 30 year old Male ( Full - 100/300/100)
Speak with a friendly agent and get your quote in minutes!
Estimate car insurance in Maine by car model
Car insurers in Maine use the make and model of your car to determine your insurance rates. Cars deemed more expensive to repair, such as luxury cars and EVs, may raise your rates more than those that may cost less to fix.
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.
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
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.
Insurers know that teenage drivers are less experienced and pose a higher risk, resulting in higher insurance premiums. Maine drivers between the ages of 30 to 60 typically enjoy the lowest average auto insurance rates, at about $1,779 annually.
Car insurance for drivers aged 16-19 costs $4,652 more annually than Maine drivers aged 30-60.
See the average rates by age group below:
- For teen drivers: Teens aged 16-19 can expect to pay $6,431 per year for a full coverage car insurance policy.
- For young adults: Drivers aged 20-25 can expect to pay $3,085 a year for a full coverage policy.
- For average-aged drivers: Drivers aged 30 to 60 can expect to pay $1,779 per year in Maine.
- For senior drivers: Drivers age 65 and older can expect to pay $1,687 per year.
Check out our detailed guide on average car insurance rates by age
Rates based on driver profile, history and habits in Maine
If your driving record includes a DUI, speeding ticket or an at-fault accident, your rates will increase significantly. A DUI conviction in Maine can increase your premiums by up to 66% because insurers see you as a risky driver.
Similarly, if you get a speeding ticket in Maine, you’ll likely see an increase in your car insurance premium by up to 36% upon your policy renewal. Typically, you’ll pay more for three years. However, your rate increase also depends on state laws, your insurance company and your driving record.
Here is how much your car insurance rate increases in Maine after driving incidents:
- Speeding ticket: Up to 36% increase
- DUI conviction: 66% increase
- At-fault accident (bodily injury and property damage): 60% increase
But even with a traffic ticket, comparison shopping can save you money.
Car insurance cost in Maine for high-risk drivers
In Maine, drivers deemed high-risk face higher car insurance premiums due to the increased risk. Factors such as past accidents, traffic infractions and low credit scores significantly affect premium costs.
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 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.
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 is a breakdown of car insurance companies in Maine and their average annual premiums.
| Company | State Minimum | 50/100/50 | 100/300/100 |
|---|---|---|---|
| Travelers | $369 | $370 | $977 |
| GEICO | $341 | $346 | $1,364 |
| Auto-Owners | $376 | $380 | $1,639 |
| Progressive | $342 | $344 | $1,827 |
| Allstate | $561 | $561 | $1,889 |
| MMG Insurance | $480 | $486 | $2,073 |
| Farmers | $419 | $434 | $2,306 |
| State Farm | $805 | $842 | $2,389 |
Car insurance rates by city in Maine
Lewiston is the most expensive city in Maine, with an average car insurance rate of $1,789 a year. Westbrook is the cheapest city for Maine drivers at an average rate of $1,604 annually.
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.
Other factors that can affect rates include the number of uninsured drivers, the cost of repairs and medical bills and the crime rate in the city.
Below, you’ll see the average annual car insurance cost of major cities in Maine.
Select your city below to see the insurance company and its average full coverage rates.
How much does car insurance cost in Maine per month?
In Maine, a full coverage car insurance policy with 100/300/100 limits typically costs about $151 per month.
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.
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 | Monthly rates |
|---|---|
| State Minimum BI/PD | $38 |
| Liability Only – 50/100/50 BI/PD | $39 |
| Full Coverage – 100/300/100 BI/PD – 500 Comp/Coll | $151 |
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.
Ultimately, understanding your needs to find the best policy at the most competitive price is critical. Shop around for a good deal that provides peace of mind when hitting the open road in Maine.
Resources & Methodology
Sources
- Insurance Institute for Highway Safety. “Teenagers.” Accessed April 2026.
- USAA. “How credit affects insurance premiums.” Accessed April 2026.
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.
Read the detailed methodology for more information.
Note: USAA is only available to military community members and their families.
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