- 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
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.
When determining insurance premiums, companies study crime rates, traffic conditions, car thefts and population density in different areas. This research helps them assess the associated risk and set competitive prices for their policies.
As a result, residents in higher-risk neighborhoods in Maine pay more for premiums than those in lower-risk areas.
Use our simple tool to see how much you’ll have to pay for car insurance. Just type in your ZIP code, and you’ll get quotes for different coverage options quickly.
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)
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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
As drivers age, their auto insurance premiums change – with younger and teen drivers paying higher rates than experienced drivers. The crash rate for teen drivers is four times higher than that of drivers aged 20 and 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 $1,779 annually.
Drivers aged 16-19 pay $4,652 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 $6,431 per year for a full coverage car insurance policy.
- For young adults: Drivers aged 20-25 can expect to pay $3,085 yearly for a full coverage policy.
- For average-aged adult drivers: Drivers aged 30 to 60 can expect to pay $1,779 annually in Maine.
- For senior drivers: Drivers aged 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
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 66% 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 36% 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.
Find below how much your car insurance rate increases depending on driving incidents:
- Speeding ticket: Up to 36% increase
- DUI conviction: 66% increase
- At-fault accident (bodily injury and property damage): 60% increase
Even if you’ve received a traffic ticket, you can still save money by comparing insurance quotes.
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
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 are the details of Maine car insurance companies and their 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 Maine’s most expensive city for car insurance at an average cost of $1,789 annually. Westbrook is the state’s least expensive city, with an average car insurance rate of $1,604 annually.
Car insurance costs differ from city to city in Maine, mainly because of traffic congestion. Cities with more traffic usually see more accidents and insurance claims, which makes insurance more expensive.
Rates can also be influenced by factors such as uninsured motorist statistics, expenses related to repairs and medical treatment, as well as the overall crime rate in the city.
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.
How much does car insurance cost in Maine per month?
The average cost of a full-coverage car insurance policy in Maine costs $151 monthly for coverage 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.
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 | 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
When it comes to car insurance, one size doesn’t fit all. Drivers prioritize different things. Some value top-notch customer service and are willing to pay extra for it. Others focus on finding the cheapest rates possible. Some look for insurance companies with user-friendly mobile apps for managing claims and payments.
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 2026.
- USAA. “How credit affects insurance premiums.” Accessed March 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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