Car insurance in Augusta for an adult with a clean driving record and good insurance score costs $1,107 a year for a full coverage policy, according to CarInsurance.com data.

But that’s just an average. Insurance companies look at drivers as individuals, factoring in their age, driving history, the make and model of their car and other factors.

Where you live is also a big factor. Car insurance rates can vary greatly from city to city and even from ZIP code to ZIP code within a city.

More traffic typically translates to more accidents and claims, so insurers look at neighborhoods and consider population density, road conditions, weather and other factors.

Some ZIP codes have much more auto theft than other areas. Insurers will thus charge higher premiums in those zip codes because the risk of loss is much higher. Other ZIP codes have a lot more car wrecks and the insurance company will charge higher premiums to cover the risk,” says James Brau, professor of finance at Brigham Young University. “Imagine a densely-crowded ZIP code where a lot of folks are driving versus a code out in a rural area where you hardly ever see another car. The odds of more wrecks and thefts are higher where there are a ton of vehicles — it becomes a statistics exercise.

Knowing where you live and what you’re likely to pay can be a big help when shopping for auto insurance.

That’s why our experts have created this comprehensive guide to help you make intelligent decisions about car insurance. The guide provides the average car insurance rates in Augusta by coverage levels, age, city and ZIP code. It also lists the cheapest car insurance carriers and rates in Augusta.

Key Highlights
  • Car insurance in Augusta is almost same as car insurance in Maine for full coverage policies.
  • The average cost of a full-coverage car insurance policy in Augusta is $1,107 per year or $92 per month.
  • In Augusta, Auto-Owners offers the cheapest full coverage car insurance at $58 per month.
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Written by:
Katrina Raenell
Contributing Researcher
Katrina Raenell is a writer, editor and educator with 20 years of experience in content and communications for international organizations, nonprofits and start-ups. In her previous roles, she was a communications manager for study abroad, content project manager for higher education and finance websites, reported on arts and culture, and was a managing editor for an online health and wellness publication.
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Reviewed by:
Laura Longero
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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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What is the average cost of car insurance in Augusta, ME?

The average auto insurance rates in Augusta, ME at various coverage levels are listed below:

  • State minimum: $371 per year
  • Liability-only coverage (50/100/50): $376 per year
  • Full coverage (100/300/100): $1,107 per year

The cost of car insurance can vary significantly depending on the coverage level you choose. The three most-talked-about coverage levels are:

State minimum car insurance, which is the minimum liability coverage your state requires; liability car insurance coverage, which pays for the medical bills of anyone you injure with your car and pays to repair or replace any cars or property you hit; and full coverage car insurance, which includes collision and comprehensive insurance that pays for damage to your car.

Average annual rates by company for different coverage levels

CompanyState MinimumLiability OnlyFull Coverage
Auto-Owners$256$258$694
Geico$250$253$794
Travelers$364$366$796
USAA$239$244$806
State Farm$337$352$925
Progressive$388$389$1,011
Frankenmuth Insurance$332$338$1,315
Allstate$440$440$1,508
Farmers$731$740$2,114

Note:

  • State Minimum: State minimum liability only
  • Liability Only: 50/100/50 liability only
  • Full Coverage: 100/300/100 liability with $500 comprehensive/collision deductible

What are the cheapest car insurance companies in Augusta, ME?

Out of all the carriers available in Augusta, Auto-Owners offers the cheapest full coverage car insurance at $58 per month.

The second-cheapest car insurance company in Augusta is Geico, offering car insurance at $66 monthly.

Cheapest CompanyFull Coverage Monthly Rates
Auto-Owners$58
Geico$66
Travelers$66
USAA$67
State Farm$77
Progressive$84
Frankenmuth Insurance$110
Allstate$126
Farmers$176

Note: Full Coverage: 100/300/100 liability with $500 comprehensive/collision deductible

Comparing quotes from multiple insurers can help you save money on your car insurance premiums.

Which companies offer the cheapest rates for high-risk drivers in Augusta, ME?

Car insurance is more expensive for high-risk drivers. A high-risk driver in Maine is considered as such because they have:

  • Multiple speeding tickets or other traffic infractions in the last three- to five-year period.
  • An injury or a high-cost accident in the last three- to five-year period
  • A DUI conviction
  • A teen/inexperienced driver on their policy
  • A high-performance sports car
  • A poor credit score (a few states — California, Hawaii, Maryland, Massachusetts and Michigan — prohibit insurance companies from using credit to set rates)
  • A recent lapse in car insurance

Cheapest rates for drivers with two speeding tickets in Augusta, ME

See the average annual premium for drivers with two speeding tickets on their records in Augusta, ME in the table below.

Cheapest CompanyFull Coverage Monthly Rates with 2 Speeding Tickets
Auto-Owners$85
State Farm$85
Geico$97
USAA$98
Travelers$112
Progressive$131
Allstate$149
Farmers$271

Note:

  • Full Coverage: 100/300/100 liability with $500 comprehensive/collision deductible
  • Insurance rates after receiving 2 speeding tickets for speeds 11 mph or over.

Cheapest rates for drivers with a DUI conviction in Augusta, ME

See the average annual premium for a driver convicted of DUI in Augusta, ME in the table below.

Cheapest CompanyFull Coverage Monthly Rates with 1 DUI
State Farm$85
Auto-Owners$95
Progressive$101
Travelers$109
USAA$136
Geico$161
Allstate$172
Farmers$211

Note: Full Coverage: 100/300/100 liability with $500 comprehensive/collision deductible

Companies with the cheapest insurance by driver profile in Augusta, ME

Personal factors can affect how much you pay for car insurance in states that allow it. Insurance companies do use a driver’s age as a rating factor as more driving experience leads to lower rates – and vice versa. However, not all states allow gender and credit score to be used when setting car insurance rates.

Cheapest rates for drivers in Augusta, ME, by age

Age is a key factor when considering car insurance rates in most cities, including Augusta – it’s one of several key factors taken into account by insurers to determine premiums.

Teens (age 16 to 19) are more prone to accidents because they’re inexperienced drivers. According to the Centers for Disease Control and Prevention (CDC), teen drivers are far more likely to be involved in fatal collisions than adult drivers. The higher the chances of an accident, the higher the car insurance rates.

Drivers in their 40s, 50s and 60s pay less for their car insurance premiums when compared to teen drivers because they are more likely to follow traffic rules, according to the Insurance Information Institute.

AgeCheapest CompanyFull Coverage Monthly Rates
16Allstate$374
16Auto-Owners$170
16Geico$255
16Farmers$765
16Frankenmuth Insurance$482
16Progressive$602
16State Farm$321
16Travelers$306
16USAA$346
17Allstate$353
17Auto-Owners$153
17Geico$230
17Farmers$557
17Frankenmuth Insurance$482
17Progressive$534
17State Farm$281
17Travelers$247
17USAA$256
18Allstate$313
18Auto-Owners$138
18Geico$209
18Farmers$542
18Frankenmuth Insurance$482
18Progressive$493
18State Farm$247
18Travelers$194
18USAA$195
19Allstate$307
19Auto-Owners$120
19Geico$165
19Farmers$402
19Frankenmuth Insurance$477
19Progressive$292
19State Farm$216
19Travelers$160
19USAA$166
20Allstate$276
20Auto-Owners$110
20Geico$130
20Farmers$368
20Frankenmuth Insurance$452
20Progressive$264
20State Farm$189
20Travelers$141
20USAA$148
21Allstate$233
21Auto-Owners$101
21Geico$118
21Farmers$259
21Frankenmuth Insurance$285
21Progressive$181
21State Farm$160
21Travelers$124
21USAA$105
22Allstate$206
22Auto-Owners$94
22Geico$104
22Farmers$235
22Frankenmuth Insurance$226
22Progressive$160
22State Farm$143
22Travelers$111
22USAA$98
23Allstate$183
23Auto-Owners$87
23Geico$89
23Farmers$222
23Frankenmuth Insurance$226
23Progressive$145
23State Farm$126
23Travelers$100
23USAA$92
24Allstate$164
24Auto-Owners$81
24Geico$89
24Farmers$207
24Frankenmuth Insurance$226
24Progressive$131
24State Farm$115
24Travelers$92
24USAA$88
25Allstate$142
25Auto-Owners$76
25Geico$74
25Farmers$178
25Frankenmuth Insurance$161
25Progressive$109
25State Farm$100
25Travelers$74
25USAA$83
30Allstate$126
30Auto-Owners$65
30Geico$66
30Farmers$178
30Frankenmuth Insurance$123
30Progressive$96
30State Farm$80
30Travelers$72
30USAA$73
35Allstate$126
35Auto-Owners$61
35Geico$66
35Farmers$178
35Frankenmuth Insurance$120
35Progressive$91
35State Farm$78
35Travelers$72
35USAA$70
40Allstate$126
40Auto-Owners$58
40Geico$66
40Farmers$176
40Frankenmuth Insurance$110
40Progressive$84
40State Farm$77
40Travelers$66
40USAA$67
45Allstate$126
45Auto-Owners$56
45Geico$66
45Farmers$174
45Frankenmuth Insurance$108
45Progressive$83
45State Farm$76
45Travelers$66
45USAA$67
50Allstate$125
50Auto-Owners$56
50Geico$59
50Farmers$173
50Frankenmuth Insurance$107
50Progressive$83
50State Farm$75
50Travelers$66
50USAA$67
55Allstate$122
55Auto-Owners$56
55Geico$59
55Farmers$172
55Frankenmuth Insurance$106
55Progressive$83
55State Farm$75
55Travelers$59
55USAA$67
60Allstate$119
60Auto-Owners$56
60Geico$59
60Farmers$172
60Frankenmuth Insurance$106
60Progressive$83
60State Farm$75
60Travelers$58
60USAA$67
65Allstate$118
65Auto-Owners$56
65Geico$59
65Farmers$167
65Frankenmuth Insurance$105
65Progressive$83
65State Farm$75
65Travelers$58
65USAA$67
70Allstate$118
70Auto-Owners$56
70Geico$59
70Farmers$167
70Frankenmuth Insurance$105
70Progressive$83
70State Farm$75
70Travelers$58
70USAA$67
75Allstate$117
75Auto-Owners$56
75Geico$59
75Farmers$162
75Frankenmuth Insurance$104
75Progressive$83
75State Farm$75
75Travelers$58
75USAA$67

Note: Full Coverage: 100/300/100 liability with $500 comprehensive/collision deductible

Cheapest rates for drivers in Augusta, ME, with poor credit

Except in states that don’t allow it – California, Hawaii, Massachusetts, Washington and Michigan – drivers who have poor credit will pay higher rates for car insurance because they’re viewed as riskier by auto insurers.

Cheapest CompanyFull Coverage Monthly Rates with Bad Credit
Auto-Owners$84
Geico$90
USAA$108
Travelers$111
Progressive$153
Allstate$191
Farmers$230
State Farm$236

Final thoughts: Car insurance cost in Augusta, ME

Shopping for a new auto insurance policy at renewal time is the best way to make sure you have the cheapest car insurance in Augusta, ME. Maximize your discounts, drive a vehicle with plenty of safety features and maintain a good driving record to pay less for car insurance.

Resources & Methodology

Sources:

  1. Centers for Disease Control and Prevention. “Teen drivers.” Accessed August 2023.
  2. Insurance Information Institute. “Senior driving safety and insurance tips.” Accessed August 2023.

Methodology:

CarInsurance.com, commissioned Quadrant Information Services to gather data on the average costs of car insurance for drivers residing in Augusta, Maine.

The rates were derived from a sample profile of a 40-year-old male driving a Honda Accord LX, with no history of violations and a good insurance score. This sample profile opted for full coverage policies with limits of up to 100/300/100 and a $500 comprehensive and collision deductible.

The data was collected across approximately 34,523 ZIP codes, resulting in a total of 56,838,240 quotes obtained from 41 companies.

Laura Longero

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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.

John McCormick

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John McCormick

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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.

Leslie Kasperowicz

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Leslie Kasperowicz

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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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Contributing Researcher

Katrina Raenell is a writer, editor and educator with 20 years of experience in content and communications for international organizations, nonprofits and start-ups. In her previous roles, she was a communications manager for study abroad, content project manager for higher education and finance websites, reported on arts and culture, and was a managing editor for an online health and wellness publication.