Drivers typically see an increase in car insurance rates starting at age 65, according to CarInsurance.com data. The Centers for Disease Control and Prevention reports that older drivers have higher fatal crash rates than those aged 35 to 54.
However, seniors in Maine can still find affordable car insurance. Our guide provides tips on securing the cheapest rates for seniors in Maine and helps save on auto insurance premiums.
- A 65-year-old driver in Maine pays an average of $1,107 annually for full coverage car insurance.
- In Maine, a 70-year-old driver’s car insurance rates are 3% more for full coverage than for a 65-year-old driver.
- Compared to a 65-year-old driver, a 75-year-old driver in Maine pays 3% more a full-coverage car insurance.
- To get the best car insurance rates in Maine, shop for quotes every six months or when your policy is up for renewal.
Cheapest car insurance companies for seniors in Maine
Below are the cheapest, full-coverage car insurance rates in Maine for drivers at various ages:
- Cheapest for seniors, overall: Auto-Owners, $57 per month.
- Cheapest for seniors at age 65: Auto-Owners, $57 per month.
- Cheapest for seniors at age 70: Auto-Owners, $57 per month.
- Cheapest for seniors at age 75: Auto-Owners, $57 per month.
Compare cheap car insurance quotes for senior drivers in Maine
State minimum car insurance refers to the least amount of coverage that a driver is legally required to have in a particular state. This typically includes liability insurance, which covers bodily injury and property damage to others if you are at fault in an accident. Each state sets its own minimum requirements for coverage limits.
Liability car insurance with limits of 50/100/50 means:
- $50,000 per person for bodily injury
- $100,000 per accident for bodily injury per accident
- $50,000 per accident for property damage
A liability policy covers expenses for injuries and damages you cause to others in an accident, but not your own injuries or vehicle damage.
Full coverage insurance with limits of 100/300/100 includes higher liability limits:
- $100,000 per person for bodily injury
- $300,000 per accident for bodily injury to multiple people
- $100,000 per accident for property damage
Full coverage also typically includes:
- Collision coverage: Pays for damages to your car from a collision.
- Comprehensive coverage: Covers damages to your car from non-collision events (e.g., theft, fire, vandalism).
Full coverage ensures you are covered for a wide range of incidents, both for your liability to others and for your own vehicle’s damage.
Below, find the cheapest car insurance rates in Maine from major insurers for three coverage levels: state minimum, liability-only with limits of 50/100/50 and full coverage with 100/300/100 limits.
Select your age and type of coverage below to see the average annual and monthly rates.
| Company Name | Avg. Annual Premium | Avg. Monthly Premium |
|---|---|---|
- Full coverage: 100/300/100 liability with $500 comprehensive/collision deductible
- Liability only: 50/100/50 liability only
- State minimum: State minimum coverage
Why do car insurance rates increase for senior drivers in Maine?
Insurance rates for older drivers tend to increase due to several factors. Statistics suggest that seniors are more likely to be involved in accidents compared to younger drivers, excluding teen drivers, according to the Insurance Institute for Highway Safety.
Despite decades of driving experience, older drivers face age-related problems like hearing or vision loss, slower reflexes, side effects from medication and other health concerns that make driving more challenging.
The CDC found that drivers older than 70 have higher crash death rates per 1,000 crashes than drivers aged 35-54 and NHTSA statistics show that senior drivers 65 and older were involved in 13% of fatal accidents in 2020, which is up 26% from 2011.
In addition, seniors are more likely to require medical care, even after a less severe accident, and expensive hospital bills will increase the insurance cost.
“Unfortunately, as we move past middle age, the odds of being more severely injured or dying in a car crash increase significantly,” says Carole Walker, executive director at Rocky Mountain Insurance Association.
“Statistically, older drivers have a higher risk of causing a crash, but an even bigger factor adding to higher car insurance bills are common health problems that make them more prone to being hurt and incurring medical bills – even in low-speed or less serious crashes,” she says.
According to an analysis by CarInsurance.com, rates start to climb for most senior drivers in their mid-60s and continue to increase from then on.
In Maine, the average cost for a full coverage policy is $1,107 for a 65-year-old and $1,137 for a 70-year-old.
CarInsurance.com found that 70-year-old drivers pay 3% more for full coverage than 65-year-old drivers in Maine, and 75-year-old drivers pay 3% more for a full coverage policy.
The table below shows the annual average rate increase for senior drivers by age in Maine for different coverage levels:
| Age | State minimum | Liability only | Full coverage |
|---|---|---|---|
| 65 | $324 | $329 | $1,107 |
| 70 | $330 | $335 | $1,137 |
| 75 | $330 | $335 | $1,135 |
Coverage types:
- Full coverage: 100/300/100 liability with $500 comp/coll deductible
- Liability only: 50/100/50 liability only
- State minimum: State minimum coverage only
Find out how much insurance costs for seniors
Cheapest car insurance for seniors with tickets in Maine
A speeding ticket or other moving violation will raise your insurance rates regardless of your age. Insurers love statistics, and data show that a driver with a ticket on their record is more likely to get in an accident that may result in a claim.
While the increase will vary by the insurance company, according to CarInsurance.com, Maine, drivers can expect their rates to go up 30% after a speeding ticket that is 1-29 mph over the limit.
Seniors with a speeding ticket or minor moving violation should expect to pay more for coverage. According to our analysis, the best insurance companies for seniors with tickets are mentioned below.
| Company | Annual rates with 1 speeding ticket | Monthly rates with 1 speeding ticket |
|---|---|---|
| Auto-Owners | $784 | $65 |
| Allstate | $1,185 | $99 |
| Travelers | $1,186 | $99 |
| State Farm | $1,312 | $109 |
| Progressive | $1,462 | $122 |
| Geico | $1,590 | $133 |
| Frankenmuth Insurance | $1,798 | $150 |
| Farmers | $2,098 | $175 |
| USAA* | $934 | $78 |
Compare senior car insurance rates in neighboring states
Cheapest car insurance for seniors with DUIs in Maine
A DUI is a serious driving violation; your insurance rates will soar once it hits your driving record. In most cases, your insurance premium will double if you have a DUI. According to CarInsurance.com in some states, the increase can be as much as 86% after your first DUI. If you manage to rack up a second DUI, the increase could be as much as 214%.
Getting affordable coverage (or any coverage) becomes challenging after a DUI, but our data show these are some affordable insurers for seniors with a DUI in Maine:
| Company | Annual rates with DUI first offense | Monthly rates with DUI first offense |
|---|---|---|
| Auto-Owners | $1,138 | $95 |
| Travelers | $1,239 | $103 |
| Progressive | $1,264 | $105 |
| State Farm | $1,312 | $109 |
| Allstate | $1,460 | $122 |
| Farmers | $2,281 | $190 |
| Geico | $3,114 | $260 |
| Frankenmuth Insurance | $6,377 | $531 |
| USAA* | $1,678 | $140 |
Cheapest car insurance for seniors after an accident in Maine
Similar to a ticket or DUI, an accident on your record will lead to higher insurance rates. Although the exact increase depends on the insurer, data show drivers can expect a 48% hike in premiums after an at-fault accident with property damage over $2,000.
Typically, the premium increase remains for three to five years, making it essential to find an affordable insurer. According to our data, the following companies provide the cheapest car insurance for seniors in Maine after an accident.
| Company | Annual rates with 1 at-fault accident | Monthly rates with 1 at-fault accident |
|---|---|---|
| Auto-Owners | $1,014 | $85 |
| Travelers | $1,162 | $97 |
| State Farm | $1,423 | $119 |
| Allstate | $1,514 | $126 |
| Frankenmuth Insurance | $1,790 | $149 |
| Progressive | $1,829 | $152 |
| Geico | $1,900 | $158 |
| Farmers | $2,297 | $191 |
| USAA* | $1,255 | $105 |
How can seniors save on car insurance in Maine?
Auto insurance for seniors can be costly, but there are several ways to save. Here are some simple ways to lower your premiums:
- Shop around: Regularly comparing car insurance rates – every six months or annually when it’s time to renew – can help you secure the best deal.
- Raise your deductible: Raising your deductible from $500 to $1,000 can save you money each month, but ensure you have the funds available to cover the higher deductible if needed.
- Ask about discounts Bundling with homeowners insurance, loyalty discounts and discounts for years of being licensed are great ways to save on car insurance. Find more details on discounts below.
Editor’s Tip:Take a senior driving course: With an approved defensive driving course, seniors can save up to 5% on their car insurance in Maine. The American Automobile Association(AAA) and AARP offer defensive driving courses for senior drivers in Maine.
Car insurance discounts for senior drivers in Maine
Seniors can take advantage of these car insurance discounts to reduce their insurance costs.
| Discount type | Potential annual savings |
|---|---|
| Air bags | 1% |
| Anti-theft device | 1% |
| Daily commute | 4% |
| Days advanced purchase | 10% |
| Days per week driven | 3% |
| Defensive driver | 5% |
| Education | 4% |
| Electronic funds transfer | 3% |
| Electronic signature | 10% |
| Homeowner | 5% |
| Lower annual mileage | 5% |
| Loyalty – years renewal with company | 14% |
| Marital status | 10% |
| Multi policy | 11% |
| Paperless/electronic documents | 3% |
| Payment type | 8% |
| Primary use | 6% |
| Profession | 16% |
| Safety devices | 3% |
| Telematics | 10% |
| Years insured | 12% |
| Years licensed | 27% |
Choosing the cheapest and best car insurance for seniors in Maine
Senior drivers pay higher premiums than young adult drivers (excluding teens, of course). To find an affordable policy, assess your needs and determine the right amount of coverage.
When comparing insurance options, consider the cost, customer service and discounts offered. Search for the best auto insurance companies with affordable rates and user-friendly websites or apps.
FAQ: Cheap car insurance for seniors in Maine
Who has the cheapest state minimum auto insurance for seniors in Maine?
Based on our data, $222 offers the lowest state minimum auto insurance rates for seniors in Maine, at $222 yearly. Frankenmuth Insurance and Geico also provide affordable rates on state minimum coverage for seniors in Maine.
Which companies offer the cheapest liability car insurance for seniors in Maine?
According to CarInsurance.com, Auto-Owners offers the cheapest liability car insurance for seniors in Maine at $224 per year. Frankenmuth Insurance and Travelers also offer inexpensive rates.
Does State Farm offer a senior discount in Maine?
State Farm doesn’t offer a specific senior discount in Maine, but it provides several discounts that seniors can use to reduce their insurance rates. These include discounts for completing a defensive driving course, safe driving, being a long-term customer, bundling policies and vehicle advanced safety features.
Bottom line
A CarInsurance.com analysis found that Auto-Owners provides the cheapest full-coverage car insurance quotes for senior drivers in Maine.
Shopping around and comparing online rates from different insurers can help seniors find the best car insurance deals. Additionally, senior drivers might qualify for discounts by taking defensive driving courses or bundling their car insurance with another policy.
Check out how to shop for car insurance for seniors
Resources & Methodology
Additional Resources
There are several resources available for older drivers who want to stay safe behind the wheel and save on their insurance premiums:
- American Automobile Association: AAA helps senior drivers to continue driving for as long and safely as possible.
- AARP (American Association of Retired Persons): AARP’s smart driver program helps senior drivers to learn proven driving techniques and save money on car insurance.
- National Institute on Aging: The NIA provides tips to senior drivers about health and driving and offers free publications to aging seniors to answer health-related queries.
- Fitness-to-Drive Screening Measure Online: This web-based tool helps family members identify at-risk drivers.
- Eldercare Locator: Helps senior drivers maintain their independence, and provides information about highway safety for aging drivers and services.
Sources:
- Centers for Disease Control & Prevention. “Older Adult Drivers.” Accessed March 2025.
- Insurance Institute for Highway Safety. “Fatality Facts 2021 Older People.” Accessed March 2025.
- National Safety Council. “Motor Vehicle: Age Group Comparisons.” Accessed March 2025.
- National Highway Traffic Safety Administration “U.S. Department of Transportation’s Fatality Analysis Reporting System (FARS).” Accessed March 2025.
Methodology
CarInsurance.com gathered car insurance rates for senior drivers from Quadrant Information Services. The rates are for a full coverage policy with limits 100/300/100 and a $500 comprehensive and collision deductible based on sample profiles of 65, 70 & 75 year old male and female drivers with clean driving records. We have compared 53,409,632 car insurance quotes across 34,588 ZIP codes from 170 national and regional car insurance companies.
To determine car insurance rates for senior drivers with a history of traffic violations, CarInsurance.com used a sample profile of a 65-year-old driver who owns a Honda Accord LX. We have compared 50,73,544 insurance quotes from 138 companies across 1,468 ZIP codes.
Car insurance rates are calculated by evaluating the sample profile of a 65-year-old male and female driver with the following incidents applied
- One at-fault property damage accident over $2K
- One at-fault property damage accident under $2K
- At-fault bodily injury accidents
- DUI/DWI first offense.
- Speeding ticket (1-10 MPH over the limit,11-29 MPH over the limit & 30+ over limit)
These are sample rates and should only be used for comparison purposes.
Note: USAA is only available to military community members and their families.
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